Savings Accounts Interest Rates

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Accounts with unlimited instant access, giving you the highest level of flexibility. You can deposit or withdraw your money whenever you need to. Limited access accounts could give you a higher rate of interest if you don't need immediate or unlimited access to your savings. Cash ISAs are savings accounts where your interest is paid tax free. You can save up to your annual ISA limit in a Cash ISA each tax year. If you can lock away a lump sum for a fixed length of time then fixed term accounts can potentially reward you with a higher savings rate. Savings accounts designed for children to manage their own savings and for parents, friends and family to save for a child's future. Savings accounts designed for clubs, societies, charities and pension fund managers.
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If you opened your account after 1 July 2011 your account does not include a bonus.
 
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Our Savings accounts range

MySave Online Plus

An easy access online account allowing you access to your money if you need it with one free withdrawal each year. Includes an introductory fixed bonus rate**. Open with £1,000+. Minimum age 16.

Rates effective from 20/03/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonus**Gross p.a.%Net p.a.%
£1£5,000,0001*N/A0.501.701.691.35
 

e-Savings Plus

An internet based savings account operated online that pays a higher rate for customers who don’t need regular access to their savings. Make transfers whenever you like, 24 hours a day, to and from a Nationwide current account. Minimum age 16.

These interest rates will apply until 31st May 2013. From 1st June 2013 the interest rate for 5 or fewer withdrawals, including closure, will be 1.70% gross p.a./AER (variable). This interest rate will apply to both new and existing customers.

Rates effective from 01/04/2009

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£5,000,0005 or lessN/A2.00n/a2.001.60
£1£5,000,0006 or moreN/A0.10n/a0.100.08
 

90 Day Saver Issue 3

A branch based, 90 day notice account with a passbook, that pays an introductory fixed bonus*. The introductory fixed bonus rate reverts to a lower rate once the bonus has expired. Open with £1,000+. Minimum age 18.

Rates effective from 01/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for withdrawalsAER%AER% including bonus*Gross p.a.%Net p.a.%
£1£999Unlimited90 Days**0.10n/a0.100.08
£1,000£5,000,000Unlimited90 Days**0.501.551.751.40
 

Save to Buy - Issue 2

A savings account to help First Time Buyers and Home Movers save for a mortgage deposit - giving not only a competitive rate of interest but also the opportunity to earn a lump sum cashback reward on completion of a Save to Buy mortgage. Minimum age 18.

Rates effective from 04/01/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£50£20,000Nonen/a2.00n/a2.001.60
£20,001+Nonen/a0.10n/a0.100.08
 

Champion Saver

A branch based, 60 day notice passbook account which includes the reassurance of a Rate Promise. Open with £1,000+. Minimum age 18.

Rates effective from 01/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£999Unlimited60 days*0.10n/a0.100.08
£1,000£5,000,000Unlimited60 days*1.17n/a1.170.94
 

e-Savings

An internet based savings account. Make transfers whenever you like, 24 hours a day, to and from a Nationwide current account. Minimum age 16.

Rates effective from 01/04/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£5,000,000UnlimitedN/A0.45n/a0.450.36
 

Regular Savings

A flexible, instant access regular savings account, managed via LINK cash machines or online, that lets you save up to £1,000 a month. Minimum age 11.

Rates effective from 01/04/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£99**UnlimitedN/A0.10n/a0.100.08
£100£199**UnlimitedN/A1.35n/a1.351.08
£200£499**UnlimitedN/A1.85n/a1.851.48
£500£1,000**UnlimitedN/A2.50n/a2.502.00
 

CashBuilder Card

An instant access account with cash card. The minimum opening balance is £100. Minimum age 11.

Rates effective from 01/01/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£5,000,000UnlimitedN/A0.10n/a0.100.08
 

Flexclusive Saver Issue 3

A branch based, instant access passbook account exclusively available to main current account customers (eligibility criteria apply). Open with £1,000. Minimum age 18.

Rates effective from 14/12/2012

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£999Unlimitedn/a0.10n/a0.100.08
£1,000£5,000,000Unlimitedn/a1.50n/a1.501.20
 

Easy Saver ISA Issue 1

An easy access cash ISA which includes a fixed introductory bonus rate which reverts to a lower variable rate once the fixed rate has expired. New ISA subscriptions only. Open with £1. Minimum age 16.

Rates effective from 06/04/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonus*Gross p.a.%Net p.a.%
£1+Unlimitedn/a0.502.252.25n/a
 

Web ISA Issue 3

An online cash ISA account for 2013/2014 tax year, which provides unlimited instant access to your savings and a tax free rate of return. Includes a fixed introductory bonus rate* which reverts to a lower variable rate once the fixed rate has expired. You will need to hold or open a Nationwide card account to apply (excludes Regular Savings). Open with £1,000+. Minimum age 16.

Rates effective from 02/04/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonus*Gross p.a.%Net p.a.%
£1£999Unlimitedn/a0.25n/a0.25n/a
£1,000£9,999Unlimitedn/a0.502.002.00n/a
£10,000+Unlimitedn/a0.502.252.25n/a
 

Flexclusive ISA Issue 3

An instant access cash ISA exclusively available to main current account customers (eligibility criteria apply). Includes a fixed introductory bonus rate which reverts to a lower variable rate once the fixed rate has expired. New ISA subscriptions only. Open with £1. Minimum age 18.

Rates effective from 06/04/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonus*Gross p.a.%Net p.a.%
£1+UnlimitedN/A1.502.502.50n/a
 

90 Day ISA Issue 3

A branch based, 90 day notice cash ISA account that gives you tax-free returns. Includes a fixed introductory bonus rate* which reverts to a lower rate once the bonus has expired. Open with £1,000+. Minimum age 16.

Rates effective from 14/12/2012

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonus*Gross p.a.%Net p.a.%
£1£9991**90 Days0.25n/a0.25n/a
£1,000£5,000,0001**90 Days0.501.751.75n/a
 

1 Year Fixed Rate ISA

A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A1.75n/a1.75n/a
Monthly interest
£1£5,000,000NoneN/A1.71n/a1.70n/a
 

2 Year Fixed Rate ISA

A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A2.10n/a2.10n/a
Monthly interest
£1£5,000,000NoneN/A2.07n/a2.05n/a
 

4 Year Fixed Rate ISA

A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A2.30n/a2.30n/a
Monthly interest
£1£5,000,000NoneN/A2.27n/a2.25n/a
 

Instant Access ISA

A passbook cash ISA account that gives you instant access to your funds and tax-free returns. The minimum opening balance is £100. Minimum age 16.

Rates effective from 01/04/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£9,999UnlimitedN/A0.25n/a0.25n/a
£10,000£24,999UnlimitedN/A0.35n/a0.35n/a
£25,000+UnlimitedN/A0.50n/a0.50n/a
 

Save to Buy ISA - Issue 2

A branch based, tax-free savings account to help First Time Buyers and Home Movers save for a mortgage deposit giving you the opportunity to earn a lump sum cashback reward on completion of a Save to Buy mortgage. Minimum age 18.

Rates effective from 04/01/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£50£20,000NoneN/A2.00n/a2.00n/a
£20,001+NoneN/A0.10n/a0.10n/a
 

Champion ISA

A branch based 60 day notice passbook cash ISA account that gives you tax-free returns and includes the reassurance of a Rate Promise. Open with £1,000+. Minimum age 16.

Rates effective from 01/05/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£9991*60 days0.25n/a0.25n/a
£1,000+1*60 days1.68n/a1.68n/a
 

6 Month e-Bond

An online account that allows you to save a lump sum and earn a fixed rate on your savings. You will need to hold a Nationwide current account to apply. Minimum age 16.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A1.25n/a1.251.00
Monthly interest
£1£5,000,000NoneN/A1.21n/a1.200.96
 

1 Year e-Bond

An online account that allows you to save a lump sum and earn a fixed rate on your savings. You will need to hold a Nationwide current account to apply. Minimum age 16.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A1.75n/a1.751.40
Monthly interest
£1£5,000,000NoneN/A1.71n/a1.701.36
 

2 Year e-Bond

An online account that allows you to save a lump sum and earn a fixed rate on your savings. You will need to hold a Nationwide current account to apply. Minimum age 16.

Rates effective from 11/01/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A2.10n/a2.101.68
Monthly interest
£1£5,000,000NoneN/A2.07n/a2.051.64
 

4 Year e-Bond

An online account that allows you to save a lump sum and earn a fixed rate on your savings. You will need to hold a Nationwide current account to apply. Minimum age 16.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A2.30n/a2.301.84
Monthly interest
£1£5,000,000NoneN/A2.27n/a2.251.80
 

6 Month Fixed Rate Bond

A branch based account that allows you to save a lump sum and earn a fixed rate on your savings. Minimum age 7.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A1.25n/a1.251.00
Monthly interest
£1£5,000,000NoneN/A1.21n/a1.200.96
 

1 Year Fixed Rate Bond

A branch based account that allows you to save a lump sum and earn a fixed rate on your savings. Minimum age 7.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A1.75n/a1.751.40
Monthly interest
£1£5,000,000NoneN/A1.71n/a1.701.36
 

2 Year Fixed Rate Bond

A branch based account that allows you to save a lump sum and earn a fixed rate on your savings. Minimum age 7.

Rates effective from 11/01/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A2.10n/a2.101.68
Monthly interest
£1£5,000,000NoneN/A2.07n/a2.051.64
 

4 year Fixed Rate Bond

A branch based account that allows you to save a lump sum and earn a fixed rate on your savings. Minimum age 7.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A2.30n/a2.301.84
Monthly interest
£1£5,000,000NoneN/A2.27n/a2.251.80
 

Smart Junior ISA

Our Smart Junior ISA is a tax-efficient way for an adult to save and invest on behalf of a child and is available to UK resident children under 16 who have never been issued with a Child Trust Fund voucher. Includes a fixed introductory bonus rate until 31 January 2015 which reverts to a lower rate once the bonus has expired. Open with £1+. Minimum age 0.

Rates effective from 14/03/2012

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1+None*N/A2.103.253.25n/a
 

90 Day Smart Saver

A branch based, 90 day notice account that may be opened by an adult on behalf of a child under the age of 18 years, includes the reassurance of a Rate Promise. Open with £100+.

Rates effective from 24/10/2011

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1+Unlimited90 days*2.10n/a2.101.68
 

1 year Smart Fixed Rate Bond

A branch based account that allows you to save a lump sum and earn a fixed rate of interest on your savings. May be opened by an adult on behalf of a child under the age of 18 or by anyone aged 7 years or over.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£5,000,000NoneN/A1.75n/a1.751.40
Monthly interest
£1£5,000,000NoneN/A1.71n/a1.701.36
 

Smart

Instant access savings account for 0-17 year olds. If you are 11 or over you can choose to have a cash card and manage your savings online. Minimum age 0.

Rates effective from 01/04/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1+UnlimitedN/A0.75n/a0.750.60
 

Cash Child Trust Fund

Cash savings fund open to children born between 1 September 2002 and 31 December 2010, to help you save for your child’s future. No minimum age. In light of the Government announcement to end the Child Trust Fund (CTF) scheme, Nationwide no longer accepts new applications. If you hold an existing CTF with another provider, you can transfer it to Nationwide.

Rates effective from 01/04/2009

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1+NoneN/A1.102.102.10n/a
 

Business Saver Instant Access

Our instant access Business Saver account is right for you if your employee headcount is no more than 250 people and either turnover or assets is less than £45 million.

Rates effective from 03/05/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1,000£10,000,000UnlimitedN/A1.10n/a1.10n/a
Apply by post
 

95 Day Business Saver

This notice account could be right for you if you don't need immediate access to your savings and you're after a higher rate of interest. Your employee headcount must be no more than 250 people and either turnover or assets less than £45 million.

Rates effective from 03/05/2013

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£10,000£10,000,000Unlimited95 Days*1.40n/a1.40n/a
Apply by post
 

Business Saver 6 Month Fixed Rate Bond

With our 6 Month Business Saver Bond you will get a fixed rate of return on your money over the fixed term. Your employee headcount must be no more than 250 people and either turnover or assets less than £45 million.

Rates effective from 03/05/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£10,000£10,000,000NoneN/A1.60n/a1.60n/a
Apply by post
 

Business Saver 1 Year Fixed Rate Bond

With our 1 Year Business Saver Bond you will get a fixed rate of return on your money over the fixed term. Your employee headcount must be no more than 250 people and either turnover or assets less than £45 million.

Rates effective from 04/03/2013

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£10,000£10,000,000NoneN/A1.80n/a1.80n/a
Apply by post
 

Treasurers’ Trust

Instant access savings account for clubs, societies and charities. The minimum opening balance is £50. Minimum age 18.

Rates effective from 01/03/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£2,000,000UnlimitedN/A0.01n/a0.010.01
 

PortfolioInvestor

Savings account for pension fund managers. Minimum age 18.

Rates effective from 01/03/2009

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1£5,000,000UnlimitedN/A0.01n/a0.010.01
 

Interest rate definitions:

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

The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.

FSCS - Protecting your money. Find out more

FSCS - Protecting your money

Your eligible deposits with Nationwide Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. This limit is applied to the total of any deposits you have with the following: Nationwide Building Society, Cheshire Building Society, Derbyshire Building Society, Dunfermline Building Society and Nationwide UK (Ireland). Any total deposits you hold above the £85,000 limit between these brands are not covered.

Please click here for further information or visit www.fscs.org.uk