Our ISA range

ISAs explained

Top up your ISA

Top up your ISA

The current ISA limit for tax year 2014/2015 is £11,880. You can save up to £5,940 of this in a cash ISA and the remainder in a stocks & shares ISA, or invest the full allowance in a stocks & shares ISA. It's easy to top up your Nationwide ISA to make the most of your tax-free allowance.

The government has proposed changes meaning that from 1 July 2014 the annual 2014/2015 ISA allowance will be increased from £11,880 to £15,000. Under the new rules, you'll also be able to split your £15,000 ISA allowance as you wish between a cash ISA and stocks & shares ISA.

The good news is, whether you are an existing ISA customer or intend to take one out ahead of the proposed changes, you'll be able to use your higher £15,000 ISA allowance at Nationwide from 1 July 2014. Find out more

You can top up your Cash ISA...

In branch

  • Pay money in over the counter at any Nationwide branch (this excludes Web ISA, Online ISA or e-ISA)
  • Set up a regular standing order to pay money into your ISA on a regular basis from a Nationwide current account
 

Please note:
It is not possible to top up Nationwide Fixed Rate ISAs or Tracker ISAs but you could still open another Nationwide cash ISA if you have any remaining allowance in the current tax year.

Maturing Fixed Rate ISAs

If you hold a Nationwide Fixed Rate ISA we'll write to you just before it matures to tell you the final value of your ISA and what your options are. We'll also give you details of any other accounts that could help you continue to make the most of your tax-free savings.

As long as we receive your instructions before your account is due to mature, we'll carry them out within 28 days of your account maturing. And, as part of our Savings Promises, we offer a Rate Guarantee when you take another Fixed Rate Bond or Fixed Rate ISA – if our rate changes between the date we notify you of your options and your existing product maturity date, we’ll give you the better rate as long as you get back to us by your maturity date.

If we don't hear from you before your ISA matures we'll transfer your money to a new instant access ISA account. This transfer will not count as a new ISA subscription so it will not affect your annual allowance.

If you're already registered for the Investor Portfolio Service (IPS)

If you are already registered, it’s easy to top up your stocks & shares ISA online. If you want to put more money into funds you are already invested in, or know which new funds you want to add to your stocks & shares ISA, all you need to do is log in and tell us which funds and how much.

If you are not registered for IPS visit our Investments Support section to see how you can manage your existing investment including how to top-up your stocks & shares ISA.

Advice and help

If you want to discuss your options further including how to top-up an existing ISA then please make an appointment to see one of our Financial Planning Managers.

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

Already registered for the Investor Portfolio Service?

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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