All Accounts Savings Rates

Instant Access

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
e-ISA Our new e-ISA is easy to open and manage online. Effective from:24/02/2010	£1+	1.75	2.75	2.75	n/a	More info Apply now
Champion ISA A branch based ISA that champions our customers right to a consistently competitive interest rate. Effective from:24/02/2010	£1 - £999	0.10	n/a	0.10	n/a	More info Apply in branch
	£1000+	1.15	2.50	2.50	n/a	More info Apply in branch
e-Savings Plus - interest rates payable where 3 or fewer withdrawals are made each year A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide's current account, our FlexAccount. Effective from:01/04/2009	£1 - £3,000,000	2.00	n/a	2.00	1.60	More info Apply now
We guarantee that the interest rate (AER) for customers making 3 or fewer withdrawals p.a. will pay at least 0.25% more than the Bank of England Base Rate until 1 Jan 2011. Changes to e-Savings Plus account rates will be made within one month of a Bank of England Base Rate announcement.
e-Savings Plus - interest rates payable where 4 or more withdrawals are made each year A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide's current account, our FlexAccount. Effective from:01/04/2009	£1 - £3,000,000	0.10	n/a	0.10	0.08	More info Apply now
e-Savings A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide's current account, our FlexAccount. Effective from:01/04/2009	£1 - £3,000,000	0.45	n/a	0.45	0.36	More info Apply now
e-Bond Maturity Account Only available to customers with a matured e-Bond. Effective from:01/04/2009	£1 - £3,000,000	0.45	n/a	0.45	0.36
Monthly Income 60+ Instant access passbook operated account for people aged 60 or over. Effective from:01/04/2009	£1+	0.55	n/a	0.55	0.44	More info Apply in branch
We guarantee that the Monthly Income 60+ AER will match or better the Bank of England Base Rate until 31 January 2011. Changes to Monthly Income 60+ account rates will be made within one month of a Bank of England Base Rate announcement.
InvestDirect The postal account you can run from home. Effective from:01/03/2009	£1 - £2,000,000	0.20	n/a	0.20	0.16	More info Apply now
Instant Access ISA A passbook account that gives you tax-free returns. Effective from:01/04/2009	£1 - £9,999	0.25	n/a	0.25	n/a	More info Apply in branch
	£10,000 - £24,999	0.35	n/a	0.35	n/a
	£25,000+	0.50	n/a	0.50	n/a
Regular Savings Flexible, instant access regular savings account managed via LINK cash machines or online that lets you save up to £1,000 a month. Effective from:01/04/2009	£1 - £99**	0.10	n/a	0.10	0.08	More info Apply now
	£100 - £199**	1.35	n/a	1.35	1.08
	£200 - £499**	1.85	n/a	1.85	1.48
	£500 - £1,000**	2.50	n/a	2.50	2.00
**Monthly increase in balance.
CashBuilder Card Instant access account with cash card. Effective from:01/01/2009	£1 - £2,000,000	0.10	n/a	0.10	0.08	More info Apply now
CashBuilder Book Instant access account with passbook. Effective from:01/01/2009	£1 - £2,000,000	0.10	n/a	0.10	0.08	More info Apply in branch

Notice Accounts

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
Champion Saver An account with 60 days' notice or loss of interest. Effective from:01/03/2010	£1 - £999	0.10	n/a	0.10	0.08	More info Apply in branch
	£1,000+	1.59	2.61	2.69	2.15	More info Apply in branch
*AER including bonus. The bonus is a fixed rate of 1.10% gross p.a. until 31/01/2011. Interest and the bonus are calculated daily. For any day your balance goes below £1,000 you earn a fixed interest rate of 0.10% gross p.a./AER and no bonus.
Bonus 30 Annual An account with 30 days' notice or loss of interest. Effective from:01/02/2009	£1 - £2,000,000	0.20	0.70	0.70	0.56	More info Apply in branch
Bonus 30 pays a variable bonus of 0.50% gross p.a. if you don't make any withdrawals for a full calendar year. CapitalBuilder is no longer available to open for new customers. Balances in maturing bonds will continue to be paid into CapitalBuilder if no instructions are received.

Cash ISA

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
Instant Access ISA A passbook account that gives you tax-free returns. Effective from:01/04/2009	£1 - £9,999	0.25	n/a	0.25	n/a	More info Apply in branch
	£10,000 - £24,999	0.35	n/a	0.35	n/a
	£25,000+	0.50	n/a	0.50	n/a
Members` ISA Bond Exclusive to Nationwide members of 3 years or more, it offers a higher rate of tax-free interest. Effective from:01/04/2009	£1 - £9,999	0.50	n/a	0.50	n/a	More info Apply in branch
	£10,000 - £24,999	0.60	n/a	0.60	n/a
	£25,000+	0.75	n/a	0.75	n/a
6 month Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
6 month Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
1 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	2.75	n/a	2.75	n/a	More info Apply in branch
1 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	2.73	n/a	2.70	n/a	More info Apply in branch
2 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
2 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
3 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	4.40	n/a	4.40	n/a	More info Apply in branch
3 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	4.39	n/a	4.30	n/a	More info Apply in branch
3 Year Over 50s Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
3 Year Over 50s Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
4 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 4 June 2009.
4 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 4 June 2009.
5 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
5 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
2yr Tracker ISA (Annual Interest) A tax-free variable rate over a fixed term. Effective from:01/04/2009	£100 - £9,999	2.00	n/a	2.00	n/a	More info Apply in branch
	£10,000 - £24,999	2.25	n/a	2.25	n/a
	£25,000+	2.50	n/a	2.50	n/a
2yr Tracker ISA (Monthly Interest) A tax-free variable rate over a fixed term. Effective from:01/04/2009	£100 - £9,999	1.97	n/a	1.95	n/a	More info Apply in branch
	£10,000 - £24,999	2.22	n/a	2.20	n/a
	£25,000+	2.48	n/a	2.45	n/a

All Nationwide cash ISAs accept transfers in from existing cash ISAs held with another provider.

Bonds

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
6 Month e-Bond (Annual Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £3,000,000	2.26	n/a	2.25	1.80	More info Apply now
6 Month e-Bond (Monthly Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £3,000,000	2.22	n/a	2.20	1.76	More info Apply now
1 Year e-Bond (Annual Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £3,000,000	2.75	n/a	2.75	2.20	More info Apply now
1 Year e-Bond (Monthly Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £3,000,000	2.73	n/a	2.70	2.16	More info Apply now
18 Month e-Bond (Annual Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £9,999	2.75	n/a	2.75	2.20	More info Apply now
	£10,000 - £24,999	3.00	n/a	3.00	2.40
	£25,000 - £3,000,000	3.20	n/a	3.20	2.56
18 Month e-Bond (Monthly Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £9,999	2.73	n/a	2.70	2.16	More info Apply now
	£10,000 - £24,999	2.99	n/a	2.95	2.36
	£25,000 - £3,000,000	3.20	n/a	3.15	2.52
2 Year e-Bond (Annual Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £3,000,000	3.50	n/a	3.50	2.80	More info Apply now
2 Year e-Bond (Monthly Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £3,000,000	3.45	n/a	3.40	2.72	More info Apply now
3 Year e-Bond (Annual Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £3,000,000	4.40	n/a	4.40	3.52	More info Apply now
3 Year e-Bond (Monthly Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £3,000,000	4.39	n/a	4.30	3.44	More info Apply now
5 Year e-Bond (Annual Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £3,000,000	4.75	n/a	4.75	3.80	More info Apply now
5 Year e-Bond (Monthly Interest) Online lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £3,000,000	4.75	n/a	4.65	3.72	More info Apply now
3 Year Stepped Rate Bond (Annual Interest) A lump sum fixed term account with rates that are guaranteed to increase.	£5,000 - £2,000,000.00	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 6 November 2009.
3 Year Stepped Rate Bond (Monthly Interest) A lump sum fixed term account with rates that are guaranteed to increase.	£5,000 - £2,000,000.00	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 6 November 2009.
4 Year Stepped Rate Bond (Annual Interest) A lump sum fixed term account with rates that are guaranteed to increase. Effective from:12/03/2010	£5,000 - £2,000,000 (Year 1)	3.75	n/a	3.75	3.00	More info Apply in branch
	£5,000 - £2,000,000 (Year 2)	4.25	n/a	4.25	3.40
	£5,000 - £2,000,000 (Year 3)	4.75	n/a	4.75	3.80
	£5,000 - £2,000,000 (Year 4)	5.25	n/a	5.25	4.20
4 Year Stepped Rate Bond (Monthly Interest) A lump sum fixed term account with rates that are guaranteed to increase. Effective from:12/03/2010	£5,000 - £2,000,000 (Year 1)	3.71	n/a	3.65	2.92	More info Apply in branch
	£5,000 - £2,000,000 (Year 2)	4.23	n/a	4.15	3.32
	£5,000 - £2,000,000 (Year 3)	4.75	n/a	4.65	3.72
	£5,000 - £2,000,000 (Year 4)	5.22	n/a	5.10	4.08
6 Month Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £2,000,000	2.26	n/a	2.25	1.80	More info Apply in branch
6 Month Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £2,000,000	2.22	n/a	2.20	1.76	More info Apply in branch
1 Year Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £2,000,000	2.75	n/a	2.75	2.20	More info Apply in branch
1 Year Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £2,000,000	2.73	n/a	2.70	2.16	More info Apply in branch
18 Month Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £9,999	2.75	n/a	2.75	2.20	More info Apply in branch
	£10,000 - £24,999	3.00	n/a	3.00	2.40
	£25,000 - £2,000,000	3.20	n/a	3.20	2.56
18 Month Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £9,999	2.73	n/a	2.70	2.16	More info Apply in branch
	£10,000 - £24,999	2.99	n/a	2.95	2.36
	£25,000 - £2,000,000	3.20	n/a	3.15	2.52
2 Year Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £2,000,000	3.50	n/a	3.50	2.80	More info Apply in branch
2 Year Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £2,000,000	3.45	n/a	3.40	2.72	More info Apply in branch
3 Year Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £2,000,000	4.40	n/a	4.40	3.52	More info Apply in branch
3 Year Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/02/2010	£1 - £2,000,000	4.39	n/a	4.30	3.44	More info Apply in branch
4 year Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest.	£1 - £2,000,000	n/a	n/a	n/a	n/a	Please note: this product was withdrawn on 24 March 2009
4 year Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest.	£1 - £2,000,000	n/a	n/a	n/a	n/a	Please note: this product was withdrawn on 24 March 2009
5 Year Fixed Rate Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £2,000,000	4.75	n/a	4.75	3.80	More info Apply in branch
5 Year Fixed Rate Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Effective from:12/03/2010	£1 - £2,000,000	4.75	n/a	4.65	3.72	More info Apply in branch
1 year Tracker Bond (Annual interest) A 1 year variable rate bond. Effective from:01/04/2009	£100 - £9,999	2.55	n/a	2.55	2.04	More info Apply in branch
	£10,000 - £24,999	2.60	n/a	2.60	2.08
	£25,000 - £49,999	2.70	n/a	2.70	2.16
	£50,000+	2.80	n/a	2.80	2.24
The annual interest rate (AER) pays between 2.05% and 2.30% (dependent on the account balance) above the Bank of England Base Rate and is guaranteed to track changes in the Base Rate. Any changes will be made within one month of a Bank of England announcement.
1 year Tracker Bond (Monthly interest) A 1 year variable rate bond. Effective from:01/04/2009	£100 - £9,999	2.48	n/a	2.45	1.96	More info Apply in branch
	£10,000 - £24,999	2.53	n/a	2.50	2.00
	£25,000 - £49,999	2.63	n/a	2.60	2.08
	£50,000+	2.73	n/a	2.70	2.16
1 Year Combination Savings Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond. Effective from:12/02/2010	£3,000 - £2,000,000	4.00	n/a	4.00	3.20	More info Apply in branch
1 Year Combination Savings Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond. Effective from:12/02/2010	£3,000 - £2,000,000	3.97	n/a	3.90	3.12	More info Apply in branch
1 Year Guaranteed Savings Bond (Annual Interest) A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond.	£3,000 - £2,000,000	n/a	n/a	n/a	n/a	Please note: this product was withdrawn on 23 January 2010
1 Year Guaranteed Savings Bond (Monthly Interest) A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond.	£3,000 - £2,000,000	n/a	n/a	n/a	n/a	Please note: this product was withdrawn on 23 January 2010
6 month Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
6 month Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
1 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	2.75	n/a	2.75	n/a	More info Apply in branch
1 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	2.73	n/a	2.70	n/a	More info Apply in branch
2 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
2 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
3 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	4.40	n/a	4.40	n/a	More info Apply in branch
3 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term. Effective from:24/02/2010	£1+	4.39	n/a	4.30	n/a	More info Apply in branch
3 Year Over 50s Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
3 Year Over 50s Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
4 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 4 June 2009.
4 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 4 June 2009.
5 Year Fixed Rate ISA (Annual Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.
5 Year Fixed Rate ISA (Monthly Interest) A tax-free fixed rate of interest over a fixed term.	£1+	n/a	n/a	n/a	n/a	Please note this product was withdrawn on 23 February 2010.

All Nationwide cash ISAs accept transfers in from existing cash ISAs held with another provider.

Accounts for under 18s

Under 18s Accounts

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
Smart (Card) Instant access savings account for 0-17 year olds. If you are 11 or over you can apply online. Effective from:01/04/2009	£1+	0.75	n/a	0.75	0.60	More info Apply in branch
Cash CTF Cash savings fund open to children born on or after 1 September 2002. Effective from:01/04/2009	£1+	1.10	2.10	2.10	n/a	More info Apply in branch

16+ Accounts

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
Instant Access ISA Tax free instant access passbook account. Effective from:01/04/2009	£1 - £9,999	0.25	n/a	0.25	n/a	More info Apply in branch
	£10,000 - £24,999	0.35	n/a	0.35	n/a
	£25,000+	0.50	n/a	0.50	n/a
e-Savings Plus - interest rates payable where 3 or fewer withdrawals are made each year A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide's current account, our FlexAccount. Effective from:01/04/2009	£1 - £3,000,000	2.00	n/a	2.00	1.60	More info Apply now
We guarantee that the interest rate (AER) for customers making 3 or fewer withdrawals p.a. will pay at least 0.25% more than the Bank of England Base Rate until 1 Jan 2011. Changes to e-Savings Plus account rates will be made within one month of a Bank of England Base Rate announcement.
e-Savings Plus - interest rates payable where 4 or more withdrawals are made each year A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide's current account, our FlexAccount. Effective from:01/04/2009	£1 - £3,000,000	0.10	n/a	0.10	0.08	More info Apply now
e-Savings Instant access online savings account. Effective from:01/04/2009	£1 - £3,000,000	0.45	n/a	0.45	0.36	More info Apply now
CashBuilder Card Instant access account with cash card. Effective from:01/01/2009	£1 - £2,000,000	0.10	n/a	0.10	0.08	More info Apply now
CashBuilder Book Instant access account with passbook. Effective from:01/01/2009	£1 - £2,000,000	0.10	n/a	0.10	0.08	More info Apply in branch

Business Accounts

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
PortfolioInvestor Savings account for pension fund managers. Effective from:01/03/2009	£1 - £2,000,000	0.01	n/a	0.01	0.01	More info Apply in branch
Treasurers’ Account Instant access savings account for clubs, societies and charities. Effective from:01/03/2009	£1 - £2,000,000	0.01	n/a	0.01	0.01	More info Apply in branch

Accounts no longer available

Rate information for accounts no longer available.

Interest rate definitions:

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