Cash ISAs

Cash ISAs are savings accounts where your interest is paid tax free. Your total annual ISA allowance is currently £10,680 and you can save up to £5,340 of this in a cash ISA. Your remaining allowance can be invested in a stocks and shares 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.

Visit ISA guide

Our Cash ISA Product range

Online ISA Issue 2

An online account which provides unlimited instant access to your savings and a tax free rate of return. Includes a fixed introductory 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 11/11/2011

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%*AER% including bonusGross p.a.%Net p.a.%
£1£999Unlimitedn/a0.25n/a0.25n/a
£1,000£24,999Unlimitedn/a1.002.752.75n/a
£25,000+Unlimitedn/a1.003.103.10n/a
 

75 Day ISA Issue 1

A branch based, 75 day notice 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 01/02/2012

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonus*Gross p.a.%Net p.a.%
£1£9991**75 Days0.25n/a0.25n/a
£1,000£24,9991**75 Days1.002.262.50n/a
£25,000£49,9991**75 Days1.002.342.60n/a
£50,000£5,000,0001**75 Days1.002.432.70n/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 18/11/2011

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£9,999NoneN/A2.85n/a2.85n/a
£10,000£24,999NoneN/A2.90n/a2.90n/a
£25,000£49,999NoneN/A3.00n/a3.00n/a
£50,000+NoneN/A3.10n/a3.10n/a
Monthly interest
£1£9,999NoneN/A2.84n/a2.80n/a
£10,000£24,999NoneN/A2.89n/a2.85n/a
£25,000£49,999NoneN/A2.99n/a2.95n/a
£50,000+NoneN/A3.09n/a3.05n/a
 

3 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.
Please note, this account is exclusively available for existing customers with a maturing Fixed Rate ISA.

Rates effective from 07/07/2011

Balance

Min
MaxWithdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
Annual interest
£1£9,999NoneN/A3.25n/a3.25n/a
£10,000£24,999NoneN/A3.30n/a3.30n/a
£25,000£49,999NoneN/A3.40n/a3.40n/a
£50,000+NoneN/A3.50n/a3.50n/a
Monthly interest
£1£9,999NoneN/A3.20n/a3.15n/a
£10,000£24,999NoneN/A3.25n/a3.20n/a
£25,000£49,999NoneN/A3.35n/a3.30n/a
£50,000+NoneN/A3.45n/a3.40n/a
 

e-ISA

An online account which provides unlimited instant access to your savings and a tax free rate of return. You will need to hold or open a Nationwide card account to apply (excludes Regular Savings). Open with £1. Minimum age 16.

Rates effective from 01/02/2012

Balance

Min
MaxFree withdrawals per yearNotice period/loss of interest for additional withdrawalsAER%AER% including bonusGross p.a.%Net p.a.%
£1+UnlimitedN/A1.75n/a1.75n/a
 

Instant Access ISA

A passbook 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
 

Champion ISA

A branch based 60 day notice passbook 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 01/02/2012

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 days2.01n/a2.01n/a
 
If these 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.

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.

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.

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.