How to pay money into your savings account, ISA or bond
Learn how to deposit money into your Nationwide savings account. If you want to open a new savings account to pay money into, compare our savings accounts and ISAs to find the best savings for you. You can also pay in by transferring over your ISA from another provider.
Select your Nationwide account
There are different ways to deposit money into each of our savings accounts.
Locate your account and we will tell you how to add money to it.
You can find your account name:
- by logging into our app or internet bank
- on some emails we send you
- on some letters we send you
Note:
If you cannot find your account from the following list, you can find out how to pay into all of our savings accounts in your terms and conditions.
Savings accounts
How much money can you deposit?
- The maximum balance of these accounts is £5 million.
- You can pay in anything up to the full £5 million per transaction, if paying in from another Nationwide account.
- When paying in from another provider, check with them how much you can deposit per transaction.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Nationwide savings account as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, show us your cash card. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
You can also use your cash card in our cash machines to deposit cash or cheques.
How much money can you deposit?
- The maximum balance is £5 million.
- Each year, you can save up to £5,000.
- You can pay in anything up to the full £5,000 per transaction, if paying in from another Nationwide account.
- When paying in from another provider, check with them how much you can deposit per transaction.
When can you deposit money?
- Once your account is open, you have 28 calendar days to fund it with a minimum of £1.
- If you do not pay in at least £1, we will close the account.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Children’s Future Saver as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
How much money can you deposit?
- Continue to Save: the maximum balance is £5,000. You can pay in anything up to the full £5,000 per transaction, if paying in from another Nationwide account. When paying in from another provider, check with them how much you can deposit per transaction.
- e-Savings, e-Savings Plus, Flex Instant Saver, Flex Online Saver, Limited Access Online Saver and 1 Year Triple Access Online Saver: the maximum balance is £5 million. You can pay in anything up to the full £5 million per transaction, if paying in from another Nationwide account. When paying in from another provider, check with them how much you can deposit per transaction.
- Flex Regular Saver: you can increase your balance by a maximum of £200 each month, including your opening deposit. If you do not deposit money in one month, the £200 limit does not carry over to the next month.
- Start to Save Issue 2: you can increase your balance by a maximum of £50 each month. This includes your opening deposit but does not include interest and prize draw winnings. If you do not deposit money in one month, the £50 limit does not carry over to the next month.
How do you deposit money?
You can only pay in online and you can either deposit once or at regular intervals (for example, monthly).
One-off payment from a Nationwide account
To make a deposit online, use our app or internet bank.
Regular payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider
To make a one-off or regular payment:
- Set up your Nationwide savings account as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
How much money can you deposit?
- The maximum balance of these accounts is £5 million.
- You can pay in anything up to the full £5 million per transaction, if paying in from another Nationwide account.
- When paying in from another provider, check with them how much you can deposit per transaction.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Nationwide savings account as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
How much money can you deposit?
- FlexOne Regular Saver: the maximum balance is £1,200. You can increase your balance by a maximum of £100 each month, including your opening deposit.
- FlexOne Saver and Future Saver: the maximum balance is £5,000.
- Limited Access Saver 9, Reward Saver and SmartSaver: the maximum balance is £5 million.
- Smart Limited Access (Adult or Child): the maximum balance is £50,000.
You can pay in anything up to the full £5 million per transaction, if paying in from another Nationwide account (unless your maximum balance is less than this). When paying in from another provider, check with them how much you can deposit per transaction.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Nationwide savings account as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
Cash ISAs
Note:
Note: If you don't pay any money into your Nationwide cash ISA for an entire tax year, you will not be able to pay into your ISA until you renew it. You can do this online or at any Nationwide branch.
How much money can you deposit?
- Cash ISAs have an annual ISA allowance. This is the most you can pay in to your ISAs in each tax year.
- For 2026/27, the allowance is £20,000. Only the money you have deposited this tax year counts towards your allowance: the interest you have earned and transferring an ISA that holds money you saved in a previous tax year do not count.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Nationwide ISA as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, show us your ISA card. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
You can also use your ISA card in our cash machines to deposit cash or cheques.
How much money can you deposit?
- Cash ISAs have an annual ISA allowance. This is the most you can pay in to your ISAs in each tax year.
- For 2026/27, the allowance is £20,000. Only the money you have deposited this tax year counts towards your allowance: the interest you have earned and transferring an ISA that holds money you saved in a previous tax year do not count.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Nationwide ISA as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
You cannot add more money to this ISA
You can only deposit money into this ISA once. This is at the point when you open it.
You cannot pay money into this ISA after it is open.
Fixed Rate Cash ISAs are designed for saving a lump sum and locking this away for the term of the ISA.
For more information about your Help to Buy: ISA, visit our Help to Buy: ISA support page.
How much money can you deposit?
- You can pay in up to £200 a month until 30 November 2029.
- You do not have to save as much as this. But if you decide not to, you cannot make it up in the following month.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider online
To make a one-off or regular payment:
- Set up your Help to Buy: ISA as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
How do you deposit money?
- Take a completed paying-in slip into any Nationwide branch or post one to us.
- You can get more paying-in slips at any Nationwide branch, by calling us or by ordering slips online.
What happens when you deposit money?
Whenever you pay money into your Inheritance ISA, we will send you a letter to confirm:
- the deposit, and
- how much of your inherited allowance is left.
We will also send you a summary each year.
If you go over your allowance, we will send the extra money back to you by cheque or, if you have one, pay it into your Nationwide current or savings account.
You cannot pay money into this ISA
When your Smart Junior ISA matures, we will automatically change it to a Junior ISA Maturity and move any money to this account.
You cannot make any more deposits.
To transfer your balance to another ISA, follow our instructions on how to transfer an ISA.
How much money can you deposit?
- Cash ISAs have an annual ISA allowance. This is the most you can pay in to your ISAs in each tax year.
- For 2026/27, the allowance is £20,000. Only the money you have deposited this tax year counts towards your allowance: the interest you have earned and transferring an ISA that holds money you saved in a previous tax year do not count.
How do you deposit money?
You can only pay in online and you can either deposit once or at regular intervals (for example, monthly).
One-off payment from a Nationwide account
To make a deposit online, use our app or internet bank.
Regular payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Send money from another provider
To make a one-off or regular payment:
- Set up your 1 Year Triple Access Online ISA as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Savings bonds
How much money can you deposit?
- The maximum balance of a Member Exclusive Branch Bond is £10,000.
- The other branch bonds do not have a limit.
- You can pay in anything up to the full £10,000 per transaction, if paying in from another Nationwide account.
- When paying in from another provider, check with them how much you can deposit per transaction.
When can you deposit money?
- Only during the 14-day funding window. This starts on the day after you open your bond.
- You can pay in as many times as you like during the funding window.
- After 14 days, this funding window closes and you will not be able to add any more money to the account.
- If you have more money you would like to save in a bond, you can open another bond or savings account.
How do you deposit money?
You can pay in from a Nationwide account or another provider.
Send money online from a Nationwide account
To make a deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Send money from another provider online
To make a payment from another provider:
- Set up your Nationwide bond as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
Make sure you allow enough time before the end of the 14-day funding window for your money to be added to your account.
How much money can you deposit?
- The maximum balance of a Member Exclusive Online Bond is £10,000.
- The other online bonds do not have a limit.
- You can pay in anything up to the full £10,000 per transaction, if paying in from another Nationwide account.
- When paying in from another provider, check with them how much you can deposit per transaction.
When can you deposit money?
- Only during the 14-day funding window. This starts on the day after you open your bond.
- You can pay in as many times as you like during the funding window.
- After 14 days, this funding window closes and you will not be able to add any more money to the account.
- If you have more money you would like to save in a bond, you can open another bond or savings account.
How do you deposit money?
You can pay in online from a Nationwide account or another provider.
Send money from a Nationwide account
To make a single deposit online, use our app or internet bank.
Send money from another provider
- Set up your Nationwide bond as a new payee with your provider.
- Choose personal account as the account type.
- Enter your 8-digit account number and 6-digit sort code. You can find these in our app, on our internet bank, on our letters and emails, and on statements.
Child Trust Funds
We no longer offer Child Trust Funds
You cannot apply for a Child Trust Fund with us anymore. These instructions are for our existing account holders.
When the child turns 18, any savings in the Child Trust Fund will be moved into a CTF Maturity ISA.
How much money can you deposit?
- You can save up to £9,000 in a Child Trust Fund each year. A year starts on the child’s birthday and ends the day before their next one.
- This limit is subject to HMRC Treasury rules and is reviewed each tax year.
- You cannot pay any money into a CTF Maturity ISA. It is designed to be a temporary home for your child's savings until they decide what they would like to do with it.
How do you deposit money?
You can pay in once or at regular intervals (for example, monthly).
You cannot deposit money from another provider.
One-off online payment from a Nationwide account
To make a single deposit online, use our app or internet bank.
Demo for one-off payments in our app (opens in a new window)
Demo for one-off payments in our internet bank (opens in a new window)
Regular online payment from a Nationwide account
To regularly save money from another Nationwide account, set up a standing order.
Deposit money in person
When paying in money at a branch counter, tell us your account number and sort code. You can then:
- pay in by card
- deposit coins or cash
- transfer from another Nationwide account in your name
- pay in a cheque
Depositing cash
From 29 July we’re introducing limits on how much cash you can pay in each year. These are across your personal current and savings accounts.
For accounts held in your sole name, you can pay in £20,000 in total across all of them.
For joint accounts, each account will have its own £20,000 annual cash limit. This is shared between you and the other account holder.
Learn more on our cash deposit limit page.
Troubleshooting
These are some common issues you might have when depositing money into a savings account.
You can find your unique 8-digit account number and 6-digit sort code:
- online on our app or internet bank
- on letters and emails from us
- on your statements
When you set up a payment from another provider to a Nationwide savings account, you might have to use Confirmation of Payee.
This is a name-checking service that helps make sure payments are sent to the correct personal or business account. It will tell you if the account name matches when you ask to check the payee details.
Here are some common reasons why your provider might not be able to recognise your Nationwide account.
You have a new Nationwide savings account
You cannot check the details within the first 24 hours of opening a new account.
Wait another day and then try again.
We do not have your correct name
When you set up a payment from another provider, it will ask you for the account name. You must enter your name exactly as it appears on your Nationwide account. For example, if you enter ‘Tom’ instead of ‘Thomas’, the names will not match. For joint savings accounts, you might need to enter both names.
If you have changed your name and not updated your details with us, you will be told the details do not match.
You have entered the wrong account details
Some of our savings accounts and ISAs have unique account numbers and sort codes.
For other accounts, you will only have a unique account number.
Read our troubleshooting on what your account number and sort code are for more information.
Missing from online banking
There are several reasons why your account might not be in your online banking.
Usually, it is because you are new to Nationwide or have only just registered to bank online. It can take up to 5 working days from when the account is opened for new accounts to show.
More about finding a missing account
Missing from a payment form
If your account is missing from the list of accounts to pay into, this could be because it is not eligible for payments.
Some of our fixed rate accounts, such as our Fixed Rate Cash ISA, are lump sum accounts. This means you can only add money to them when you open the account. You cannot pay into them after they are open.
Check your account’s terms and conditions to see if you have a lump sum account.
Some of our fixed rate accounts, such as our Fixed Rate Cash ISA, are lump sum accounts.
This means you can only add money to them when you open the account. They are not designed for savers who want to put away money on a regular basis.
Check your account’s terms and conditions to see if you have a lump sum account.
If your Nationwide savings account has a unique account number and sort code, you can enter anything in the reference field. This is just for your own records to help you remember what the payment was for.
If you do not have a unique account number and sort code, enter your full personal account number in the format 1234/123456789.
Transfer your ISA to Nationwide
You can transfer an ISA from another provider to a new Nationwide ISA when you open the account.
You can do this either online or in one of our branches, depending on which provider you are transferring from.
You cannot transfer to an existing Nationwide ISA.