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You are in: Savings → Children's Savings → Smart Fixed Rate Bond → Introduction
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Smart Fixed Rate Bond

Save for your child's future with a Nationwide Smart Fixed Rate Bond, a one off lump sum account that pays a fixed rate of interest for the term of the account.

Key Features

  • Enjoy a fixed rate of interest during the term of the account
  • Choose to have your interest paid monthly or annually
  • Open your account with as little as £1 in any Nationwide branch
  • Part of our Children's Savings Range - accounts designed for children to manage their own savings and for parents, friends and family to save for a child's future

Interest Rates

Term Interest
payment
AER% Gross p.a.%
1 year Annual 1.75 1.75

View rates & account details

1 year Monthly 1.71 1.70

View rates & account details

  • Rates are fixed
  • Partial withdrawals from your account before the end of the fixed term are not allowed. Early closure will incur a loss of interest, full details available on the rates & account details page for your chosen interest option.
  • Maximum 2 account holders
  • Account may be opened by an adult on behalf of a child under 18 years or by anyone aged 7 years or over
  • Interest calculated daily and paid monthly or annually and on maturity
  • The rates and terms offered are only available for limited periods and may be withdrawn without notice
Find out how to apply
view the full children's savings range

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.

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

Nationwide Education

The Nationwide Education website is part of Nationwide's commitment to the community. We believe the future of our world depends on the education of our children.

Visit Nationwide Education

Useful information

Smart Fixed Rate Bond terms & conditions

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© Nationwide Building Society
Nationwide Building Society is authorised and regulated by the Financial Services Authority under registration number 106078.
Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.
You can confirm our registration on the FSA's website, www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.