Instant Access ISA

Savings interest rates and account details

You can find a summary of our Instant Access ISA in the table below. If you have any further questions, please take a look at our managing your account section for more help.

Please note, transfers in from existing cash ISAs with another provider are accepted into this product.

Legal information

Summary Box

Key Product Information for our savings accounts

Account name

Instant Access ISA

Interest rates (AERs) - Variable

Balance	*AER %**	AER** %	Gross p.a. %	Net p.a. %
£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

Effective from: 01 April 2009

Tax status

Tax-free

Conditions for bonus payment

n/a

Withdrawal arrangements

Instant access

Access

Branch, Internet

Opening your account

Minimum & maximum balances	£1 minimum operating balance (£100 minimum opening balance) maximum balance is subject to your annual ISA allowance limit
How to open	Apply at your branch, to find your nearest branch please follow this link to our branch finder
Maximum number of savings account holders	1
Minimum age	16

Managing your account

Paying money in	Subject to your ISA allowance, you can: Use your passbook to pay money in over the counter in any of our branches Set up a regular standing order to pay money into your account Pay money in online via your Nationwide card account
Taking money out	You can take out up to £500 in cash or a larger amount by cheque in any of our branches. Remember, if you've already paid your full annual allowance into your ISA during the tax year, you cannot replace the funds withdrawn during that tax year. So for example, if you have paid in £5,340 and then withdraw £1,000, you are unable to replace the withdrawn funds.
Keeping track of my money	Your passbook provides a complete record of transactions on your account. A full statement is available on the Internet Bank. During April we'll send you a full summary statement.
Interest	Interest is paid annually on 31 March. You can withdraw it or you can choose to have your interest paid into your ISA, your current account or another Nationwide savings account (excluding Regular Savings). Leave it in your ISA and it will earn you more tax-free interest which won’t count against your ISA cash allowance in following years.

* 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).

** Including conditional bonus.

If you have any further questions about savings interest rates or our Instant Access ISA, please visit our managing your account section, or contact us today. For savings interest rates on other accounts, visit our main savings rates page.

Interested? Find out how to apply

How to apply