Flexclusive ISA

An instant access cash ISA exclusively available to our main current account customers.

A cash ISA allows UK residents aged 16* or over to save up to their annual ISA allowance tax-free with one provider each year. The allowance is £15,240 for 2015/2016. With most savings accounts, if you are a tax payer the tax man gets a cut from the interest you earn, that's why it's reassuring to know that with a cash ISA all the interest you earn, you keep.

* Please note that the minimum age to apply for a Flexclusive ISA is 18.

Help with your existing ISA

Our support pages have information on interest rates, terms and conditions and FAQs.

Go to Savings & ISA support

Interest rates

Interest rates
Savings account balance AER % AER % (includes bonus) Gross % (p.a.) Net % (p.a.)
£1+ 1.50% n/a 1.50% n/a

Effective from 22 August 2014

Rates are variable


Further details on how to manage a Flexclusive ISA
How to open
  • Open online
  • Open in a branch
  • Open using our Mobile Banking app (you must be registered for our Internet Bank)
How to manage Check balance and statements:
  • Via the Internet Bank
  • Using our Mobile Banking app
  • In a branch
Transferring in

Transfers accepted from other Nationwide ISAs and external providers. Find out more about transfers

Paying money in
  • Unlimited up to your annual ISA allowance, currently £15,240, in a branch, online or by standing order
  • When opening online, you can only add funds from a Nationwide current account or instant access savings account
  • Open in branch to pay in funds from another provider's account
  • Once opened, you can add funds from other accounts
Taking money out

Unlimited withdrawals ISA withdrawal note

Closing the account Full closure, or transfer to another ISA provider is allowed at any time.

Please remember

You can’t replace the money you withdraw in the same tax year, unless the amount you wish to replace is within your unused ISA allowance

Are you eligible to open this account?

  • Maximum of one account holder, minimum age 18

To be eligible to apply for a Flexclusive ISA you must be a main current account customer with us. This means that you must either:

Hold a FlexOne account and be aged 18 or over, or hold a FlexAccount with a Visa debit card (not cash card or cash card+) and have:

  • Been paying in £750+ a month for the last 3 months (excluding internal transfers); or
  • Completed an account switch to us (from a non-Nationwide account) using our Current Account Switch Team in the last 4 months;


Hold a FlexDirect or FlexPlus account.

If you're not eligible, we may have another suitable ISA. See our full range of cash ISAs

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).

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.

Please read the terms & conditions and product information before you apply.

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Financial Services Compensation Scheme

Protecting your money

Find out more - Financial Services Compensation Scheme

Summary box

Summary box
Key product information for our Flexclusive ISA Issue 8
Account Name Flexclusive ISA Issue 8
Interest Rates (AERs) See the 'Interest rates' table on the rates and features page
Tax Status


Conditions for bonus payment


Withdrawal arrangements

Instant access.

You can take out up to £500 per day in cash or larger amounts by cheque in branch. You can transfer funds online through Internet Banking or move your funds to another Nationwide account.


Online and branch

Other important information

Other important information on how to manage a Flexclusive ISA
Maximum account holders 1
Minimum age 18
  • £1 minimum opening balance
  • £1 minimum operating balance
  • Maximum balance subject to your annual ISA allowance
  • A statement will be sent to you annually
  • You can check your account online through our Internet Bank, Mobile app or at your local branch
Interest Interest is added annually on 30 September. You can choose to add interest to your Flexclusive ISA, any other Nationwide savings account (excluding Regular Savings and Flexclusive Regular Saver) or your current account.