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.
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
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.