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ShareSave 2021 – time to decide what happens next

Now this plan has ended, you have three 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.

The good news is the current NatWest share price is significantly higher than the 2021 option price of £1.7942. That's the price you'll pay for your shares if you choose to buy them.

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

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 Monday 18 June 2025 if you want to buy shares. After this you'll still be able to have your savings returned to you as cash. 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 your Share Plan Account on EquatePlus – more about this account.

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 could 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) and a WIRE fee of £10.

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.

Visit the support hub to find out more about when you can expect to see the money in your bank account after you submit your sale instruction. Before you make your choice, 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.

Where the current share price is higher than the option price, you’d usually be better off buying shares and keeping or selling them.

Also remember you have six months to make your choice, so if you like, you can wait to see if the share price rises.

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 złoty and the option price is fixed in pounds.

If the złoty has strengthened against the pound, you’ll be able to buy the full number of shares that we told you in 2021. If the złoty 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.

Ask us a question