Cash ISAs

Cash ISAs are savings accounts where your interest is paid tax free. Your total annual ISA allowance for 2013/2014 is £11,520, you can save up to £5,760 of this in a cash ISA.

You can't pay into more than one cash ISA operated by different providers in the same tax year, but with a Nationwide cash ISA you can split your allowance between our full range of cash ISA products, helping you to make the most of your savings.

If you need some help understanding ISAs, visit our ISA guide to find out more.

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Our Cash ISA Product range

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	Max	Free withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus*	Gross p.a.%	Net p.a.%
£1+		Unlimited	n/a	0.50	2.25	2.25	n/a

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Notes

New ISA subscriptions only. Transfers from any cash ISA held with Nationwide or other ISA providers are not permitted.

Balances of £1+ earn an introductory fixed bonus rate until 31 October 2014. After this date the rate reverts to 0.50% AER tax-free variable.

Rates are variable. This is a cash ISA.

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	Max	Free withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus*	Gross p.a.%	Net p.a.%
£1	£999	Unlimited	n/a	0.25	n/a	0.25	n/a
£1,000	£9,999	Unlimited	n/a	0.50	2.00	2.00	n/a
£10,000+		Unlimited	n/a	0.50	2.25	2.25	n/a

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Notes

Balances of £1,000+ include an introductory fixed bonus rate until 30 September 2014. After this date the rate reverts to 0.50% AER tax-free variable. For any day your balance goes below £1,000 you earn a rate of 0.25% tax-free AER variable and no bonus.

Rates are variable. This is a cash ISA.

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	Max	Free withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus*	Gross p.a.%	Net p.a.%
£1+		Unlimited	N/A	1.50	2.50	2.50	n/a

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Notes

New ISA subscriptions only. Transfers from any cash ISA held with Nationwide or other ISA providers are not permitted.

Balances of £1+ earn an introductory fixed bonus rate until 30 November 2014. After this date the rate reverts to 1.50% AER tax-free variable.

Rates are variable. This is a cash ISA.

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	Max	Free withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus*	Gross p.a.%	Net p.a.%
£1	£999	1**	90 Days	0.25	n/a	0.25	n/a
£1,000	£5,000,000	1**	90 Days	0.50	1.75	1.75	n/a

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Notes

Balances of £1,000+ include a tax-free introductory bonus of 1.25% AER tax-free, fixed until 31 July 2014. For any day your balance goes below £1,000 you earn a rate of 0.25% AER tax-free variable and no bonus.

Free withdrawal does not require notice, further withdrawals in the same tax year are subject to 90 days notice or 90 days loss of interest on the amount withdrawn.

Rates are variable. This is a cash ISA.

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	Max	Withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus	Gross p.a.%	Net p.a.%
Annual interest
£1	£5,000,000	None	N/A	1.75	n/a	1.75	n/a
Monthly interest
£1	£5,000,000	None	N/A	1.71	n/a	1.70	n/a

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Rates are fixed. This is a cash ISA.

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	Max	Withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus	Gross p.a.%	Net p.a.%
Annual interest
£1	£5,000,000	None	N/A	2.10	n/a	2.10	n/a
Monthly interest
£1	£5,000,000	None	N/A	2.07	n/a	2.05	n/a

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Rates are fixed. This is a cash ISA.

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	Max	Withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus	Gross p.a.%	Net p.a.%
Annual interest
£1	£5,000,000	None	N/A	2.30	n/a	2.30	n/a
Monthly interest
£1	£5,000,000	None	N/A	2.27	n/a	2.25	n/a

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Notes

Rates are fixed. This is a cash ISA.

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	Max	Free withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus	Gross p.a.%	Net p.a.%
£1	£9,999	Unlimited	N/A	0.25	n/a	0.25	n/a
£10,000	£24,999	Unlimited	N/A	0.35	n/a	0.35	n/a
£25,000+		Unlimited	N/A	0.50	n/a	0.50	n/a

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Notes

Rates are variable. This is a cash ISA.

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	Max	Withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus	Gross p.a.%	Net p.a.%
£50	£20,000	None	N/A	2.00	n/a	2.00	n/a
£20,001+		None	N/A	0.10	n/a	0.10	n/a

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Notes

Rates are variable.

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	Max	Free withdrawals per year	Notice period/loss of interest for additional withdrawals	AER%	AER% including bonus	Gross p.a.%	Net p.a.%
£1	£999	1*	60 days	0.25	n/a	0.25	n/a
£1,000+		1*	60 days	1.68	n/a	1.68	n/a

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Notes

Free withdrawal does not require notice, further withdrawals in the same tax year are subject to 60 days notice or 60 days loss of interest on the amount withdrawn.

Rates are variable. This is a cash ISA.

If these cash ISA accounts are not right for you have you considered:

Stocks & Shares ISA

If you would like to make more of your ISA allowance, you may be interested in tax efficient investing.

Find out more

Limited Access

Limited access accounts could give you a higher rate of interest if you don't need immediate or unlimited access to your savings.

Find out more

Fixed Term

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.

Find out more

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 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