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

Account holding and ownership

  1. You must be aged 16 or over to open a 90 Day Smart Saver account
  2. This account may be opened by an adult in trust for a child under the age of 16 years. An adult can only open one account per child
  3. The account can have a maximum of two joint account holders
  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 million
  6. Nationwide reserves the right to limit the number of 90 Day Smart Saver accounts you can have


  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

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to 90 days' written notice, or immediately subject to a loss of 90 days' interest at the prevailing rate on the amount withdrawn.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 If the funds under notice are not withdrawn by the date the notice ends, a further 10 days will be allowed for this withdrawal without loss of interest