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 £5 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?
ShareSave 2025 opens on 20th October.
The option price for ShareSave 2025 is £4.6688.
First, choose how much you want to save each month. It can be between £5 and £100. 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. You’ll get paid interest too – this is called the ShareSave bonus, and the rates are set by HMRC.
ShareSave lasts either three or five years – the choice is yours. You can even do both, so long as you stay within the £100 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.
The bonus rates
You’ll get paid some interest on your money while you’re saving in ShareSave. This is your ShareSave ‘bonus’. The rates are set by HMRC.
For ShareSave 2025 the bonus rate for the three-year plan is 0.5 times your monthly amount. So if you’re saving £50 each month, you’ll get £25 added to your savings at the end of the plan. The rate for the five-year plan is 1.5 times your monthly amount. You can use your bonus along with your savings to buy shares at the end of the plan.
What type of saver are you?
Not sure where to begin?
Whether you're just starting out or already thinking big, ShareSave can work for you. From cautious savers to bold investors, everyone’s journey looks a little different. And that’s the point. Meet three types of savers and see how ShareSave fits into their financial universe Which one sounds like you?
Ali
The Cautious Explorer
Saves £5 a month
(the minimum)
Ali has chosen to save the minimum £5 a month, because they like the idea of growing their money gently, without taking on too much risk. They see ShareSave as a simple way to dip a toe into something new – without stretching their comfort zone.
Ali saved £5 each month with an Option Price of £3.
At the end of the plan the NatWest share price was £5.
They used their £180 to buy 60 NatWest shares (at £3 per share). They then sold them straight away for £300 (at £5 per share), making a profit of £120.
Lou
The Steady Saver
Saves £40 a month
Saving £40 a month into ShareSave fits right into how Lou already manages their finances – forward-thinking but not flashy. They love the idea of turning regular savings into a potential future reward, and they’re curious to see where the journey might take them.
Lou saved £40 each month with an Option Price of £3.
At the end of the plan the NatWest share price was £5 and they had saved a total of £1,440.
They used their £1,440 to buy 480 NatWest shares (at £3 per share). They kept hold of their shares in are now a NatWest shareholder. They can vote on decisions about the future of NatWest at the AGM, and may receive additional payments if dividends are declared.
Sam
The Bold Voyager
Saves £100 a month
(the maximum)
Sam’s gone all in with the full £100 a month, because they’re excited by the chance to invest in the business they’re part of. They see ShareSave as a smart, long-term opportunity to grow their universe of investments – and they’re here for it.
Sam saved £100 each month with an Option Price of £3.
At the end of the plan the NatWest share price was £5 and they had saved a total of £3,600.
They used their £3,600 to buy 1,200 NatWest shares (at £3 per share). They sold 600 shares for a total of £3,000 and kept the remaining 600 in their share account. As a NatWest shareholder, they can vote on decisions about the future of NatWest at the AGM, and may receive additional payments if dividends are declared.
What could your savings be worth?
Use our calculator to see what your savings could become at different share prices.
Use our calculator
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 £100 a month going into each.
Transmissions from the universe
Meet the colleagues who’ve already launched their ShareSave journeys – and are here to share how far the plan has taken them.
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:
- You want a chance to make a profit with no risk of losing money during the savings period
- You can spare the money from your pay
- You can afford to lock that money away for three or five years
- You’re planning to stay at NatWest for the long term
But it might not be the right time if:
- You’re in debt or other financial difficulties
- You’re likely to need the money in the next three years
- You’re thinking of leaving us shortly
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.