Nationwide has announced adjustments to savings rates in response to the Bank of England Bank Rate decrease of 0.25% on 18 December 2025.
From 10 February it will lower some rates by between 0.10% - 0.25% on specific savings products. The majority of products will reduce by less than the change in the Bank Rate (see rate changes in Notes to Editor).
In addition to this, Nationwide will increase the rate on its five-year Fixed Rate Bond and ISA to 4%.
There will be no changes to:
- Flex Regular Saver
- FlexOne Saver
- Start to Save products
- Smart Instant Access & SmartSaver
- Smart Limited Access
|
Product Type |
Account |
Previous Headline Rate |
New Headline Rate |
Change |
|
Regular Savings |
Help to Buy ISA |
2.50% |
2.25% |
-0.25% |
|
Continue to Save |
1.75% |
1.50% |
-0.25% |
|
|
Children’s |
Child Trust Fund / Smart Junior ISA/ CTF Maturity ISA / Smart Junior ISA Maturity |
3.05% |
2.80% |
-0.25% |
|
Branch Future Saver/ Future Saver / Children’s Future Saver |
3.05% |
2.80% |
-0.25% |
|
|
Limited Access |
1 Year Triple Access Online Saver / ISA |
3.50% |
3.30% |
-0.20% |
|
Branch Triple Access/ Triple Access Saver / ISA |
1.55% |
1.30% |
-0.25% |
|
|
Reward Single Access ISA / Single Access ISA / Single Access Saver/ Branch Single Access/ Branch Single Access ISA |
3.05% |
2.80% |
-0.25% |
|
|
Branch Limited Access/ Limited Access Saver, Limited Access Online Saver, e-Savings Plus |
1.50% |
1.25% |
-0.25% |
|
|
Instant Access |
Flex Instant Saver – Issues 2, 3, 4, 5, 6 |
2.50% |
2.30% |
-0.20% |
|
Branch Reward Saver/ Branch Reward ISA/ Reward Saver / Reward ISA |
3.00% |
2.75% |
-0.25% |
|
|
Branch Flex Saver/ Branch Flex ISA/ Flex Saver / Flex ISA1 |
1.25%- 1.45% |
1.15%- 1.25% |
-0.20% |
|
|
Branch Easy Access/ Instant Access2 |
1.10%- 1.35% |
1.10%- 1.20% |
-0.15% |
|
|
Branch Instant Access Maturity/ Instant Access Saver – Issue 10 & 15 |
1.45% |
1.25% |
-0.20% |
1 Flex Saver / Flex ISA: £0-£9,999.99 from 1.25% to 1.15%; £10K-£49,999.99 from 1.35% to 1.20%; £50K+ from 1.45% to 1.25%.
2 Instant Access: £0-£9,999.99 from 1.10% to 1.10%; £10K-£49,999.99 from 1.15% to 1.15%; £50K+ from 1.35% to 1.20%.
