Instant Access ISA Savings Account

A Nationwide Instant Access ISA works like a normal savings account, you can keep building up your balance each tax year saving up to your annual cash ISA allowance. The higher your balance the more interest you earn but unlike other savings accounts all the interest you earn is tax free so you get to keep it.

Cash ISAs are a flexible and tax-efficient way to save and everyone aged 16 or over can save up to £5,640 tax-free in a cash ISA with one provider, each tax year.

Key features

Build up your balance each tax year - the more you save the higher rate of interest you earn
Instant access with unlimited withdrawals and deposits up to your annual cash ISA limit
Open your Instant Access ISA account with £100 in any Nationwide branch
Transfer in funds from your existing cash ISAs and as part of our Savings Promises you will start earning interest as soon as we receive your application
Provided that the funds are free to move and not subject to any notice period
Pay money in using your passbook in branch, online from a Nationwide card account or set up a standing order
Have interest paid into your cash ISA, current account or another Nationwide savings account
Excludes Regular Savings

How to apply

or view our full cash ISA range

Interest Rates

Balance	Free withdrawals per year	Notice period	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

Rates are variable
Maximum 1 account holder
Minimum age 16
Interest calculated daily
Interest is paid annually

For full account details see the Instant Access ISA Rates & account details page

How to apply

or view our full cash ISA range

Need some help understanding ISAs?

Visit our ISAs explained section to find out what ISAs are, how they work and for more information on ISA limits.

Find out more

Are you using your full annual ISA allowance?

If you've used your cash ISA allowance this tax year you could still invest up to a further £5,640 in a Stocks & Shares ISA. This could help you use your full £11,280 annual ISA allowance this tax year.

Find out more

Want to open and manage your ISA online?

If you want to open and manage your ISA online then you may want to consider our instant access Online ISA.

Find out more

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

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.