ShareSave 2023 is now closed

ShareSave 2021 - time to decide what happens next

Now these plans have ended, you have three choices

Explore your choices

ShareSave has now ended, so you need to decide what to do with your savings.

Thank you for taking part in ShareSave. You now have six months to make your choice.

You have three choices:

Buy shares at the option price and keep them

Buy shares at the option price and sell some or all of them

Have your savings returned to you as cash

To make your decision, it’s really important to compare the current share price with the option price. When the share price is higher than the option price, it's usually better to use your savings to buy shares. And when the share price is lower than the option price, you’re usually better off taking your savings back as cash.

Current share price

...

2018 option price

£1.8931

2020 option price

£1.1247

You can use our calculator to see what this means for you.

There’s detailed information on the three choices below.

Your option to buy shares lasts six months, so you’ll need to decide by 4.30pm (UK time) on 18 June 2024 if you want to buy shares. After this you’ll still be able to have your savings returned to you as cash. If you’ve missed or delayed payments, this date will be later – you’ll find it on your maturity task on EquatePlus.

We’re giving you this information to help you make your choice, but it’s not advice, or a recommendation to buy, sell or hold NatWest shares. If you’re not sure what to do, we suggest you speak to a financial adviser.

1. Buy shares at the option price and keep them

Use your savings to buy shares at the option price.

If the current share price is higher than the option price, and you buy them now, your shares will be worth more than you pay for them. You can use our calculator to see how much your shares could be worth.

Remember that share prices move up and down, so if you keep your shares, you’ll see the value of your investment rise and fall in future.

Your shares will be transferred into an online account with EquatePlus – more about this account.

You can also transfer your shares into a Stocks & Shares ISA – more on how to do this.

Read more: Should I become a shareholder when ShareSave ends?

2. Buy shares at the option price and sell some or all of them

Use your savings to buy shares at the option price.

If the current share price is higher than the option price, and you sell them now, you’ll usually make a profit. You can use our calculator to see how much this could be worth.

You can choose to sell all your shares straight away and have the money transferred to you. You’ll pay a dealing charge of 0.5% (min £13.50).

Or you can have your shares transferred into an online account with EquatePlus, and sell some of them - more about this account. If you’re keeping some shares, remember you’ll see the value of your investment rise and fall in future.

You’ll usually see the money in your bank account two days from when you make your choice, though it can take up to eight days. It’s a good idea to check your bank details are up to date in EquatePlus.

Read more: Should I become a shareholder when ShareSave ends?

3. Have your savings returned to you as cash

This is only a good idea if the current share price is lower than the option price.

When the share price is higher than the option price, you’d usually be better off buying shares and selling them – see choice 2 above. Remember to check the current share price before making your choice.

Also remember you have six months to make your choice, so if you like, you can wait to see if the share price rises. Even if you take your savings as cash, you can change your mind and buy shares instead before the six months is up. Please contact Computershare if you want to do this.

You can use our calculator to get an idea of what your savings might be worth if you choose to buy the
 shares and sell them.

How many shares can you buy?

When you joined ShareSave in 2021, we told you the maximum number of shares you can buy when you finish saving, based on the option price. But the actual number of shares you’ll be able to buy might be different, because your savings are in rupee and the option price is fixed in pounds.

If the rupee has strengthened against the pound, you’ll be able to buy the full number of shares that we told you in 2021. If the rupee has weakened against the pound, you won’t be able to buy the full number of shares.

Have you made your choice?

If you're logged into the NatWest network, visit EquatePlus.

If you're not on the network, you can go to: www.equateplus.com.

From the Overview, click on the ShareSave maturity task and follow the instructions. If you’re choosing to buy shares, you’ll be given two choices – ‘buy and keep shares’ or ‘buy and sell all shares'.

If you want to sell some of your shares, you’ll need to choose ‘buy and keep shares’, then sell the number you want from within your EquatePlus account.

Any questions?

Visit our support hub for full FAQs and ways to contact us.

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