In addition to the general conditions, the following conditions apply to 90 Day Loyalty Smart Saver. If there is a conflict between the general conditions and these 90 Day Loyalty Smart Saver conditions, the 90 Day Loyalty Smart Saver conditions will take priority.

Account holding and ownership

  1. This account is only available to those aged 18 or over who have held a Savings account; Current account or Mortgage account with Nationwide for at least three months prior to opening this account (excludes any accounts held with Cheshire, Derbyshire and Dunfermline Building Societies, The Mortgage Works and UCB).
  2. A 90 Day Loyalty Smart Saver account may be opened by an adult in trust for a child under the age of 18 years. An eligible adult can only open one account per child.
  3. The first named account holder must meet the eligibility criteria for this account.
  4. The minimum deposit to open the account is £100 and minimum operating balance is £1.
  5. The maximum balance on the account is £5,000,000.
  6. Nationwide reserves the right to limit the number of 90 Day Loyalty Smart Saver accounts you can have.
  7. Nationwide's No Penalty Transfer Policy does not apply to this account. This means that in future we may offer the account with different features such as a new bonus or bonus period and we will not write and tell you about it.


  1. Interest is paid annually on 31 December each year into the account, a Nationwide current account or savings account (excluding Regular Savings) or a current account with another bank or building society.
  2. We will not calculate interest on pence in the account.
  3. The interest rate payable on the account is variable.
  4. In addition to the core interest rate, you will qualify for an introductory fixed bonus interest rate for each day on which the balance of the account is between £1 and £5,000,000.
  5. The introductory bonus interest rate is fixed for the set period applicable to the account that you hold and is calculated on the daily balance in the account. Your introductory fixed bonus expiry date can be found in the welcome letter you will receive after your 90 Day Loyalty Smart Saver account is opened. If you qualify for the introductory fixed bonus, the interest is added to the account on 31 December each year.

Paying money in

  1. Payments into the account can be made at any branch and you may transfer money into the account online from a Nationwide card account.

Taking money out

  1. Withdrawals can be made at any branch.
  2. Withdrawals may be made at any time subject to 90 days' written notice, or immediately subject to a loss of 90 days' interest on the amount withdrawn. If there is insufficient earned interest, then all or part of this 90 days' interest will be taken from the funds in the account. If the funds under notice are not withdrawn by the date the notice ends, a further 10 days will be allowed for this withdrawal without loss of interest.