Smart account - savings for under 18s
Smart is an instant access savings account for under 18s. With an interest rate of of 0.75% gross p.a./AER* on every pound in your account, it's one of the best (and easiest) ways to start saving early.
We'll give you a passbook to pay in or withdraw money at any of our Nationwide branches. If you're over 11, you can even choose to use a cash card and manage your savings online. Our Smart account makes saving more straightforward.
- Smart pays the same interest rate on every pound in your account – no matter how much you have in it – making saving much simpler
- you'll get a welcome pack - including money off vouchers on lots of great activities and days out
- interest is automatically added to your Smart account twice a year on 30 June and 31 December
- if you're 11 or over and choose a cash card you can manage your savings online
For more information about the account please see the account summary page.
A Smart account is right for you if...
A Smart account is a good choice for your saving needs if:
- you're under 18
- you want a saving account that's easy to run and gives you instant access to your cash
- you want to be able to run the account through a branch using a passbook, or when you're 11 or over you want to be able to choose a cash card to manage your account at a branch, via cash machines or over the internet
- you want the same interest rates – no matter how much is in your account
Our Smart account is one of the best ways to start saving as a young person. However, you may also be interested in our Cash Child Trust Fund, or any of our other great saving accounts.