Our ISA range

ISAs explained

Changes from 1 July

Top up your ISA

Topping up a Nationwide ISA

The annual cash ISA and Stocks & Shares ISA allowance has increased from £11,880 to £15,000, lots of ISA customers can now benefit from adding extra to their ISA for the tax year 2014/2015.

If you haven't already used your full ISA allowance for this tax-year you may be able to top up your ISA, use our handy tool to find out how.

Topping up Fixed Rate ISAs

To help you benefit from the changes, for a limited time only, customers who have subscribed to a Fixed Rate ISA in this tax year will be able to top up to the new allowance between 1 - 31 July 2014.

Find out more

How do I top up my Nationwide ISA?

I've already opened a Nationwide ISA for the 2014/2015 tax year

Top up your Smart Junior ISA
You can top up your Smart Junior ISA to the maximum £4,000 allowance. You can put extra in whenever you like up until the end of the 2014/2015 tax year. You can add to it online through our Internet Bank or at a branch.

Not registered for Internet Banking? Why not register now.

Top up your Fixed Rate ISA
If you've put in at least £1 of your 2014/2015 allowance into your fixed rate ISA, you can top it up to the maximum £15,000 allowance. You can do that until the 31st of July 2014.

You can top up your Fixed Rate ISA by completing a Fixed Rate ISA Top Up Form (SF278). You can get this form by visiting your local branch or by calling us on 0800 30 20 11 and requesting a form to be sent to you.

Or, if you’re topping up from an eligible Nationwide account, you can submit your request online.

If you've reinvested an existing fixed rate ISA without adding any of this year's allowance, you can't add to it. You can however open another one of our ISAs for your 2014/2015 allowance.

To top up online you will need

  • About 5 minutes to complete the online form
  • Either a Nationwide current account or instant access savings account to transfer the funds from

You can already use your full allowance
It’s already possible to be saving up to £1,250 a month into the Regular Saver ISA. Over the year, this adds up to the new full allowance of £15,000.

From 1 March 2015 the maximum monthly deposit limit is removed. So if you’ve saved less than the total £15,000 by 1 March 2015, you can top up your Regular Saver ISA between then and 1 April 2015.

Top up your cash ISA
You can top up your cash ISA up to the maximum £15,000 allowance at any time up until 5 April 2015.

If you manage your ISA online you'll be able to top it up online. Otherwise, you can do it at a branch.

Not registered for Internet Banking? Why not register now.

Top up your Stocks & Shares ISA
You can top up your Stocks & Shares ISA up to the maximum £15,000 at any time until the end of the 2014/2015 tax year. The way to do this will depend on the sort of investments you have.

The value of your investment can go down as well as up, so you could get back less than you invested.

I haven't opened a Nationwide ISA for the 2014/2015 tax year yet

Top up your cash ISA
You can top up your cash ISA up to the maximum £15,000 allowance at any time up until 5 April 2015.

If you manage your ISA online you'll be able to top it up online. Otherwise, you can do it at a branch.

Not registered for Internet Banking? Why not register now.

Sorry, you can't top up your Fixed Rate ISA

But provided you haven't subscribed to another cash ISA provider in this tax year you could open a new ISA for the tax year 2014/2015.

If you do this, you'll be able to put up to your maximum £15,000 in your new ISA.

Top up your Stocks & Shares ISA
You can top up your Stocks & Shares ISA up to the maximum £15,000 at any time until the end of the 2014/2015 tax year. The way to do this will depend on the sort of investments you have.

The value of your investment can go down as well as up, so you could get back less than you invested.

Did you know...

You can't carry over any unused ISA allowance to the next tax year. So if you've got money to save, and you haven't used all your allowance yet, why not top up today?

Jargon explained

Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.

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