Features and benefits

Rates and information

Smart account interest rates and account information

Please make sure that you have read and understand this important information before applying for this account.

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Financial Services Compensation Scheme

Protecting your money

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Smart Junior ISA

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.

Smart Limited Access

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.

Nationwide Education

The Nationwide Education website helps young people to understand more about how to manage their finances and achieve their dreams and aspirations.

Jargon explained

* 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.

Managing your account

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