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Our Smart instant access account is a great way for under 18s to start saving
Part of our range of accounts designed for children to manage their own savings and for parents, friends and family to save for a child's future.
Smart pays the same interest rate on every pound in your account, however much you have in it, making saving simpler
1 account holder if opened by a child aged 7 or over, or 2 account holders if opened by an adult on behalf of a child under 16
You can save as much or as little as you want, whenever you want, and you can withdraw your money as often as you like
You can open your account with as little as £1 in any Nationwide branch or request an application pack online
Ready to apply for a Smart account?
Protecting your money
Designed to help you give your children a helping hand when they reach 18 by
building up tax-free savings they can then use for whatever they are dreaming of.
A limited access account for adults looking to save for a child's future or for a child to save for themselves. Its ideal for those who don't need regular access but with the reassurance of access should you need it.
The Nationwide Education website helps young people to understand more about how to manage their finances and achieve their dreams and aspirations.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.AER includes conditional bonus (if applicable)
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.