Savings rates

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Min balance	Max balance	AER %	AER* %	Gross p.a.%	Net p.a.%	How to apply

e-Savings Plus Rates effective from 01/04/2009 A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide’s current account, our FlexAccount. Minimum age 16.						Online Apply now
£1	£3,000,000	2.00	n/a	2.00	1.60

£1	£3,000,000	0.10	n/a	0.10	0.08
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. Only available if you have a Nationwide FlexAccount.
e-Savings Rates effective from 01/04/2009 A savings facility operated online. Make transfers whenever you like, 24 hours a day, to and from Nationwide’s current account, our FlexAccount. Minimum age 16.						Online Apply now
£1	£3,000,000	0.45	n/a	0.45	0.36
Only available if you have a Nationwide FlexAccount.
Monthly Income 60+ Rates effective from 01/04/2009 Instant access passbook operated account for people aged 60 or over.						Apply in branch Branch locator
£1+		0.55	n/a	0.55	0.44
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 Rates effective from 01/03/2009 The postal account you can run from home.						Online Apply now Apply by post
£1	£2,000,000	0.20	n/a	0.20	0.16	Online Apply now Apply by post
e-ISA Rates effective from 01/09/2010 Our instant access online ISA. Open and manage your account online. You must hold a Nationwide card account (excluding Regular Savings). Minimum age 16.						Online Apply now
£1+		1.75	2.58	2.75	n/a
The bonus is a fixed rate of 1.00% gross p.a. until 30/06/2011. Interest and the bonus are calculated daily.
Champion ISA Rates effective from 01/09/2010 An instant access branch based ISA that champions our customers’ right to a consistently competitive interest rate. The minimum opening balance is £1,000. Minimum age 16.						Apply in branch Branch locator
£1	£999	0.25	n/a	0.25	n/a
£1000+		1.09	2.22	2.44	n/a
The bonus is a fixed rate of 1.35% gross p.a. until 30/06/2011. Interest and the bonus are calculated daily. For any day your balance goes below £1,000 you earn a variable interest rate of 0.25% gross p.a/AER and no bonus.
Instant Access ISA Rates effective from 01/04/2009 A passbook account that gives you instant access to your funds and tax-free returns. Minimum age 16.						Apply in branch Branch locator
£1	£9,999	0.25	n/a	0.25	n/a
£10,000	£24,999	0.35	n/a	0.35	n/a
£25,000+		0.50	n/a	0.50	n/a
Regular Savings Rates effective from 01/04/2009 Flexible, instant access regular savings account, managed via LINK cash machines or online, that lets you save up to £1,000 a month.						Online Apply now Apply in branch Branch locator
£1	£99**	0.10	n/a	0.10	0.08
£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 Rates effective from 01/01/2009 Instant access account with cash card.						Online Apply now Apply in branch Branch locator
£1	£2,000,000	0.10	n/a	0.10	0.08	Online Apply now Apply in branch Branch locator
CashBuilder Book Rates effective from 01/01/2009 Instant access account with passbook.						Apply in branch Branch locator
£1	£2,000,000	0.10	n/a	0.10	0.08	Apply in branch Branch locator
Members` ISA Bond Rates effective from 01/04/2009 Exclusive to Nationwide members of 3 years or more, it offers a higher rate of tax-free interest. Minimum age 16.						Apply in branch Branch locator
£1	£9,999	0.50	n/a	0.50	n/a
£10,000	£24,999	0.60	n/a	0.60	n/a
£25,000+		0.75	n/a	0.75	n/a
1 Year Fixed Rate ISA (Annual Interest) Rates effective from 30/07/2010 A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.						Apply in branch Branch locator
£1+		2.25	n/a	2.25	n/a	Apply in branch Branch locator
1 Year Fixed Rate ISA (Monthly Interest) Rates effective from 30/07/2010 A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.						Apply in branch Branch locator
£1		2.22	n/a	2.20	n/a	Apply in branch Branch locator
3 Year Fixed Rate ISA (Annual Interest) Rates effective from 30/07/2010 A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.						Apply in branch Branch locator
£1+		3.75	n/a	3.75	n/a	Apply in branch Branch locator
3 Year Fixed Rate ISA (Monthly Interest) Rates effective from 30/07/2010 A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.						Apply in branch Branch locator
£1+		3.71	n/a	3.65	n/a	Apply in branch Branch locator
4 Year Fixed Rate ISA (Annual Interest) Rates effective from 30/07/2010 A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.						Apply in branch Branch locator
£1+		4.00	n/a	4.00	n/a	Apply in branch Branch locator
4 Year Fixed Rate ISA (Monthly Interest) Rates effective from 30/07/2010 A branch-based one-off lump sum investment that pays a tax-free fixed rate of interest over a fixed term. Minimum age 16.						Apply in branch Branch locator
£1+		3.97	n/a	3.90	n/a	Apply in branch Branch locator
2 Year Tracker ISA (Annual Interest) Rates effective from 01/04/2009 A tax-free variable rate over a fixed term. Minimum age 16.						Apply in branch Branch locator
£100	£9,999	2.00	n/a	2.00	n/a
£10,000	£24,999	2.25	n/a	2.25	n/a
£25,000+		2.50	n/a	2.50	n/a
The annual rate (AER) pays between 1.50% and 2.00% (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.
2 Year Tracker ISA (Monthly Interest) Rates effective from 01/04/2009 A tax-free variable rate over a fixed term. Minimum age 16.						Apply in branch Branch locator
£100	£9,999	1.97	n/a	1.95	n/a
£10,000	£24,999	2.22	n/a	2.20	n/a
£25,000+		2.48	n/a	2.45	n/a
The annual rate (AER) pays between 1.50% and 2.00% (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.
Champion Saver Rates effective from 01/09/2010 Bonus expiry date: 31/08/2011 An account with 60 days’ notice or loss of interest. The minimum opening balance is £1,000.						Apply in branch Branch locator
£1	£999	0.10	n/a	0.10	0.08
£1,000+		1.75	2.55	2.55	2.04
The bonus is a fixed rate of 0.80% gross p.a. until 31/08/2011. 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 Rates effective from 01/02/2009 An account with 30 days’ notice or loss of interest.						Apply in branch Branch locator
£1	£2,000,000	0.20	0.70	0.70	0.56
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.
1 Year Tracker e-Bond (Annual Interest) Rates effective from 14/05/2010 An online 1 year investment which guarantees to track the Bank of England Base Rate. Minimum age 16.						Online Apply now
£100	£9,999	2.25	n/a	2.25	1.80
£10,000	£24,999	2.30	n/a	2.30	1.84
£25,000	£49,999	2.40	n/a	2.40	1.92
£50,000	£3,000,000	2.50	n/a	2.50	2.00
The annual interest rate (AER) pays between 1.75% and 2.00% (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 e-Bond (Monthly Interest) Rates effective from 14/05/2010 An online 1 year investment which guarantees to track the Bank of England Base Rate. Minimum age 16.						Online Apply now
£100	£9,999	2.22	n/a	2.20	1.76
£10,000	£24,999	2.27	n/a	2.25	1.80
£25,000	£49,999	2.38	n/a	2.35	1.88
£50,000	£3,000,000	2.48	n/a	2.45	1.96
1 Year Tracker Bond (Annual Interest) - Launched 14 May 2010 Rates effective from 14/05/2010 A branch-based investment which guarantees to track the Bank of England Base Rate. Minimum age 7.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£100	£9,999	2.25	n/a	2.25	1.80
£10,000	£24,999	2.30	n/a	2.30	1.84
£25,000	£49,999	2.40	n/a	2.40	1.92
£50,000	£2,000,000	2.50	n/a	2.50	2.00
The annual interest rate (AER) pays between 1.75% and 2.00% (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) - Launched 14 May 2010 Rates effective from 14/05/2010 A branch-based investment which guarantees to track the Bank of England Base Rate. Minimum age 7.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£100	£9,999	2.22	n/a	2.20	1.76
£10,000	£24,999	2.27	n/a	2.25	1.80
£25,000	£49,999	2.38	n/a	2.35	1.88
£50,000	£2,000,000	2.48	n/a	2.45	1.96
6 Month e-Bond (Annual Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	1.76	n/a	1.75	1.40	Online Apply now
6 Month e-Bond (Monthly Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	1.71	n/a	1.70	1.36	Online Apply now
1 Year e-Bond (Annual Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	2.25	n/a	2.25	1.80	Online Apply now
1 Year e-Bond (Monthly Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	2.22	n/a	2.20	1.76	Online Apply now
18 Month e-Bond (Annual Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	2.50	n/a	2.50	2.00	Online Apply now
18 Month e-Bond (Monthly Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	2.48	n/a	2.45	1.96	Online Apply now
2 Year e-Bond (Annual Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	3.25	n/a	3.25	2.60	Online Apply now
2 Year e-Bond (Monthly Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	3.25	n/a	3.20	2.56	Online Apply now
3 Year e-Bond (Annual Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	3.75	n/a	3.75	3.00	Online Apply now
3 Year e-Bond (Monthly Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	3.71	n/a	3.65	2.92	Online Apply now
5 Year e-Bond (Annual Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	4.10	n/a	4.10	3.28	Online Apply now
5 Year e-Bond (Monthly Interest) Rates effective from 30/07/2010 Online lump sum fixed term account with a guaranteed rate of interest. Minimum age 16.						Online Apply now
£1	£3,000,000	4.07	n/a	4.00	3.20	Online Apply now
4 Year Stepped Rate e-Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with rates that are guaranteed to increase. Minimum age 16.						Online Apply now
£5,000 (Year 1)	£3,000,000	2.50	n/a	2.50	2.00
£5,000 (Year 2)	£3,000,000	3.50	n/a	3.50	2.80
£5,000 (Year 3)	£3,000,000	4.50	n/a	4.50	3.60
£5,000 (Year 4)	£3,000,000	5.50	n/a	5.50	4.40
4 Year Stepped Rate e-Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with rates that are guaranteed to increase. Minimum age 16.						Online Apply now
£5,000 (Year 1)	£3,000,000	2.48	n/a	2.45	1.96
£5,000 (Year 2)	£3,000,000	3.45	n/a	3.40	2.72
£5,000 (Year 3)	£3,000,000	4.49	n/a	4.40	3.52
£5,000 (Year 4)	£3,000,000	5.48	n/a	5.35	4.28
1 Year Fixed Rate Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	2.25	n/a	2.25	1.80
1 Year Fixed Rate Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	2.22	n/a	2.20	1.76
18 Month Fixed Rate Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	2.50	n/a	2.50	2.00
18 Month Fixed Rate Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	2.48	n/a	2.45	1.96
2 Year Fixed Rate Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	3.25	n/a	3.25	2.60
2 Year Fixed Rate Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	3.25	n/a	3.20	2.56
3 Year Fixed Rate Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	3.75	n/a	3.75	3.00
3 Year Fixed Rate Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	3.71	n/a	3.65	2.92
4 Year Fixed Rate Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	4.00	n/a	4.00	3.20
4 Year Fixed Rate Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	3.97	n/a	3.90	3.12
5 Year Fixed Rate Bond (Annual Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	4.10	n/a	4.10	3.28
5 Year Fixed Rate Bond (Monthly Interest) Rates effective from 30/07/2010 A lump sum fixed term account with a guaranteed rate of interest.						Apply in branch Branch locator Apply by phone Call 0800 111 44 30
£1	£2,000,000	4.07	n/a	4.00	3.20
1 Year Combination Savings Bond (Annual Interest) Rates effective from 23/08/2010 A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond.						Online Apply now Apply in branch Branch locator Apply by phone Call 0800 171 2391
£3,000	£2,000,000	3.25	n/a	3.25	2.60
1 Year Combination Savings Bond (Monthly Interest) Rates effective from 23/08/2010 A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond.						Online Apply now Apply in branch Branch locator Apply by phone Call 0800 171 2391
£3,000	£2,000,000	3.25	n/a	3.20	2.56
3 Year Combination Savings Bond (Annual Interest) Rates effective from 23/08/2010 A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond.						Online Apply now Apply in branch Branch locator Apply by phone Call 0800 171 2391
£3,000	£2,000,000	4.10	n/a	4.10	3.28
3 Year Combination Savings Bond (Monthly Interest) Rates effective from 23/08/2010 A lump sum fixed term account with a guaranteed rate of interest. Customers must also purchase a Protected Equity Bond.						Online Apply now Apply in branch Branch locator Apply by phone Call 0800 171 2391
£3,000	£2,000,000	4.07	n/a	4.00	3.20
Cash Child Trust Fund Rates effective from 01/04/2009 Cash savings fund open to children born on or after 1 September 2002, to help you save for your child’s future.						Online Apply now Apply in branch Branch locator
£1+		1.10	2.10	2.10	n/a
Cash Child Trust Fund pays a conditional bonus of 1.00% gross p.a. which will only be paid if £240 or more is paid into the account each year. This does not include Government contributions. The bonus is variable. Funds can only be accessed on your child’s 18th birthday.
Treasurers' Account Rates effective from 01/03/2009 Instant access savings account for clubs, societies and charities.						Apply in branch Branch locator
£1	£2,000,000	0.01	n/a	0.01	0.01	Apply in branch Branch locator
PortfolioInvestor Rates effective from 01/03/2009 Savings account for pension fund managers.						Apply in branch Branch locator
£1	£2,000,000	0.01	n/a	0.01	0.01	Apply in branch Branch locator
Smart (Card) Rates effective from 01/04/2009 Instant access savings account for 0-17 year olds. If you are 11 or over you can apply online.						Online Apply now Apply in branch Branch locator
£1+		0.75	n/a	0.75	0.60	Online Apply now Apply in branch Branch locator

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.
AER* - AER including bonus.
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).

Savings rates

Results

e-Savings Plus

e-Savings

Monthly Income 60+

InvestDirect

e-ISA

Champion ISA

Instant Access ISA

Regular Savings

CashBuilder Card

CashBuilder Book

Members` ISA Bond

1 Year Fixed Rate ISA (Annual Interest)

1 Year Fixed Rate ISA (Monthly Interest)

3 Year Fixed Rate ISA (Annual Interest)

3 Year Fixed Rate ISA (Monthly Interest)

4 Year Fixed Rate ISA (Annual Interest)

4 Year Fixed Rate ISA (Monthly Interest)

2 Year Tracker ISA (Annual Interest)

2 Year Tracker ISA (Monthly Interest)

Champion Saver

Bonus 30 Annual

1 Year Tracker e-Bond (Annual Interest)

1 Year Tracker e-Bond (Monthly Interest)

1 Year Tracker Bond (Annual Interest) - Launched 14 May 2010

1 Year Tracker Bond (Monthly Interest) - Launched 14 May 2010

6 Month e-Bond (Annual Interest)

6 Month e-Bond (Monthly Interest)

1 Year e-Bond (Annual Interest)

1 Year e-Bond (Monthly Interest)

18 Month e-Bond (Annual Interest)

18 Month e-Bond (Monthly Interest)

2 Year e-Bond (Annual Interest)

2 Year e-Bond (Monthly Interest)

3 Year e-Bond (Annual Interest)

3 Year e-Bond (Monthly Interest)

5 Year e-Bond (Annual Interest)

5 Year e-Bond (Monthly Interest)

4 Year Stepped Rate e-Bond (Annual Interest)

4 Year Stepped Rate e-Bond (Monthly Interest)

1 Year Fixed Rate Bond (Annual Interest)

1 Year Fixed Rate Bond (Monthly Interest)

18 Month Fixed Rate Bond (Annual Interest)

18 Month Fixed Rate Bond (Monthly Interest)

2 Year Fixed Rate Bond (Annual Interest)

2 Year Fixed Rate Bond (Monthly Interest)

3 Year Fixed Rate Bond (Annual Interest)

3 Year Fixed Rate Bond (Monthly Interest)

4 Year Fixed Rate Bond (Annual Interest)

4 Year Fixed Rate Bond (Monthly Interest)

5 Year Fixed Rate Bond (Annual Interest)

5 Year Fixed Rate Bond (Monthly Interest)

1 Year Combination Savings Bond (Annual Interest)

1 Year Combination Savings Bond (Monthly Interest)

3 Year Combination Savings Bond (Annual Interest)

3 Year Combination Savings Bond (Monthly Interest)

Cash Child Trust Fund

Treasurers' Account

PortfolioInvestor

Smart (Card)