ShareSave – where could it take you?
ShareSave gives you the opportunity to become a shareholder in the future, with next to no risk while you're saving.
Explore ShareSave – a great way to expand your financial universe
You can take a bold step towards becoming a part-owner of NatWest, and enjoy some fantastic benefits.
ShareSave lets you buy shares in NatWest at a 20% discount. You choose a fixed amount to save each month, and we take it straight from your pay.
Then at the end of the plan, you can choose to buy shares at the discounted price we set at the start. And the best thing of all? If the share price has gone down at the end of the plan, you can get your money back in full. It’s all the upside of potential share price increases over the course of the plan, but without the downside.
Join ShareSave and embrace a new world of financial possibilities.
Here are some of the great benefits ShareSave has to offer
Celebrate success
When NatWest thrives, so do you!
Affordable
You can join from just ₹500 a month
Safe and sound
If the share price is lower at the end, you won’t lose a penny
Super-flexible
You can change your mind any time
It’s straightforward
It’s an easy way to get familiar with the world of shares
A great way to save
Get into the savings habit and start putting a little by each month
How does it work?
Here's how ShareSave works. You choose how much you want to save each month. It can be between ₹500 and ₹6,000. Make sure you’re happy with your amount as you can’t change it.
We take this straight from your pay – after tax is taken off – and put it away in a savings account.
ShareSave lasts either three or five years – the choice is yours. You can even do both, so long as you stay within the ₹6,000 a month limit.
At the end, you can use your savings to buy shares in NatWest.
Here’s the best part: the price you pay for your shares is fixed at the start, and includes a 20% discount on the share price. This price is called the ‘option price’.
If the share price is higher when the plan ends, you’ll make money. And if it’s lower, you can rest easy, as you’ll get your money back in full.
Let's see how it works in practice
Example 1 - share price rises
The option price is ₹297*
You choose to save ₹1,000 a month over three years
In total you save ₹36,000
Over three years the share price rises to £4.00 (₹440)
At the end of the plan you can choose to buy 121 shares in NatWest at ₹297 per share
Your shares are worth ₹53,240 – you’ve made a profit of ₹17,240
Example 2 - share price falls
The option price is ₹297*
You choose to save ₹1,000 a month over three years
In total you save ₹36,000
Over three years the share price falls to £2.00 (₹220)
At the end of the plan you can choose to buy 121 shares in NatWest at ₹297 per share
But these shares would only be worth ₹26,620, so instead you choose to have your ₹36,000 returned in full
What could your savings be worth?
Use our calculator to see what your savings could become at different share prices.
Are you already in another year’s ShareSave plan?
Don’t worry – you can still join this year’s plan. You can join every year and have up to five years’ plans running at once, with up to ₹6,000 a month going into each.
What are the risks?
Like all investments, shares in NatWest can go down as well as up in value.
But the benefit of ShareSave is that if the share price falls below the option price by the end of the plan, you can just have your money back. So you can’t get back less than you put in.
If you choose to buy shares at the end of the plan and keep them, you’ll see the normal ups and downs of the stock market from then on.
As with any savings account, there’s also a risk that the spending power of your money is eroded by inflation.
Why should I join?
ShareSave could be great for you if:
But it might not be the right time if:
You should only put in an amount you can comfortably afford for the long term. If you’re not sure the plan is right for you, you should seek independent financial advice.
How to join ShareSave
If you’re logged into the NatWest network, visit EquatePlus. EquatePlus is the portal run by Computershare, who manage the plan.
If you’re not on the network you can go to: www.equateplus.com. You’ll need the User ID from your invitation email. If you can't find your User ID, you’ll need to call +44 (0)370 702 0109.
When you’re logged in, select ‘Join’ in ‘Your Tasks’ and follow the instructions.
If you're already set up on the EquateMobile app, you can also join this year's plan from there.
Remember it is only possible to join ShareSave at certain times - we'll let you know when ShareSave is open to join and you'll see a joining task on EquatePlus.