Savings accounts
ISAs
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Savings accounts from Nationwide

We offer a range of savings accounts including cash ISAs, fixed and variable interest rate savings accounts, business accounts and more.

Already have a Nationwide savings account? Log into the Internet Bank (This link will open in a new window) to see your current interest rate, or visit our support pages where you can find all our interest rates and other useful information.

Learn why your interest rate can go up and down

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Savings rates table

Account name

Interest rate

Account features
Find out more

Future Saver

  • Limited access
  • Children's Savings
Child savings account for parents/adults with parental responsibility for under-16s.
  • Save up to £5,000 each account year
  • Open and manage online if you’re already a Nationwide member
  • Open in branch then manage online if you’re new to Nationwide

1.00% AER/gross a year (variable) if you have a main current account with us.
0.50% AER/gross a year (variable) for all other customers.
Rate goes down to 0.05% AER/gross a year (variable) if you make more than one withdrawal in an account year.

Find out more - Future Saver
  • Save up to £5,000 each account year
  • Open and manage online if you’re already a Nationwide member
  • Open in branch then manage online if you’re new to Nationwide
 Find out more  - Future Saver

Start to Save

  • Instant access

Only available to savers who live in England, Scotland or Wales

  • Save up to £100 a month for 24 months
  • Four prize draws where you could win £100. See how the prize draw works and the terms and conditions
  • Making withdrawals may affect your entry into the prize draw
  • For savers aged 16 or over
  • Open and manage online – you’ll need to be signed up to our Internet Bank

1.00% AER/gross a year (variable) for 24 months

Find out more - Start to Save
  • Save up to £100 a month for 24 months
  • Four prize draws where you could win £100. See how the prize draw works and the terms and conditions
  • Making withdrawals may affect your entry into the prize draw
  • For savers aged 16 or over
  • Open and manage online – you’ll need to be signed up to our Internet Bank
 Find out more  - Start to Save

Mutual Reward Bond

  • Fixed term

Exclusively for savers who’ve been a Nationwide member since before 29 September 2020

  • Available for a limited time only
  • Save up to £10,000 for 18 months and benefit from our highest available fixed interest rate
  • No withdrawals or additions during the term
  • We’re running a prize draw to win £10,000 and if you qualify, every £100 saved is an entry into the draw. The prize fund will be equivalent to 0.50% of qualifying balances. So, the more money saved, the more £10,000 prizes to be won. (terms and conditions apply)
  • Members in Northern Ireland won't be able to enter the draw due to gambling laws, so instead we’ll give back through the Nationwide Community Grants Programme

0.50% AER/gross a year (fixed) for 18 months

Find out more - Mutual Reward Bond
  • Available for a limited time only
  • Save up to £10,000 for 18 months and benefit from our highest available fixed interest rate
  • No withdrawals or additions during the term
  • We’re running a prize draw to win £10,000 and if you qualify, every £100 saved is an entry into the draw. The prize fund will be equivalent to 0.50% of qualifying balances. So, the more money saved, the more £10,000 prizes to be won. (terms and conditions apply)
  • Members in Northern Ireland won't be able to enter the draw due to gambling laws, so instead we’ll give back through the Nationwide Community Grants Programme
 Find out more  - Mutual Reward Bond

Fixed Rate ISAs

  • Cash ISAs
  • Fixed term
  • Lock away your money for a fixed term with a fixed interest rate
  • Tax-free interest
  • No withdrawals or additions during term
  • Transfer existing ISA funds in when you open the account
  • Open and manage online or in branch

0.30% AER/tax-free (fixed)
Interest rates linked to length of fixed term.
1 year 0.30% AER/tax-free (fixed)

Find out more - Fixed Rate ISAs
  • Lock away your money for a fixed term with a fixed interest rate
  • Tax-free interest
  • No withdrawals or additions during term
  • Transfer existing ISA funds in when you open the account
  • Open and manage online or in branch
 Find out more  - Fixed Rate ISAs

Fixed Rate Bonds

  • Fixed term
Exclusively for members with a Nationwide current account or instant access savings account
  • Apply online, then manage online or in branch
  • Lock away your money for a fixed term with a fixed interest rate
  • No withdrawals or additions during term

0.30% AER/gross p.a. (fixed)
Interest rates linked to length of fixed term.
1 year 0.30% AER/gross p.a. (fixed)

Find out more - Fixed Rate Bonds
  • Apply online, then manage online or in branch
  • Lock away your money for a fixed term with a fixed interest rate
  • No withdrawals or additions during term
 Find out more  - Fixed Rate Bonds

Fixed Rate e-Bonds

  • Fixed term
Exclusively for members with a current account registered for Internet Banking
  • Apply and manage online only
  • Lock away your money for a fixed term with a fixed interest rate
  • No withdrawals or additions during term

0.30% AER/gross p.a. (fixed)
Interest rates linked to length of fixed term.
1 year 0.30% AER/gross p.a. (fixed)

Find out more - Fixed Rate e-Bonds
  • Apply and manage online only
  • Lock away your money for a fixed term with a fixed interest rate
  • No withdrawals or additions during term
 Find out more  - Fixed Rate e-Bonds

1 Year Triple Access Online ISA

  • Limited access
  • Cash ISAs
For savers who already have or plan to open a current account or suitable instant access account with us
  • Make three withdrawals during the 12-month term without losing any interest
  • To make withdrawals from this account, you must already have or be planning to open a current account or suitable instant access savings account with us
  • Open online then manage using our Internet Bank or Banking app
  • Tax-free interest

0.25% AER/tax-free (variable). But if you make more than three withdrawals, the rate drops for the rest of the term to 0.01% AER/tax-free (variable)

Find out more - 1 Year Triple Access Online ISA
  • Make three withdrawals during the 12-month term without losing any interest
  • To make withdrawals from this account, you must already have or be planning to open a current account or suitable instant access savings account with us
  • Open online then manage using our Internet Bank or Banking app
  • Tax-free interest
 Find out more  - 1 Year Triple Access Online ISA

1 Year Triple Access Online Saver

  • Limited access
  • Make three withdrawals during the 12-month term without loss of interest
  • Open and manage online

0.25% AER/gross p.a. (variable) if you make 3 withdrawals or fewer during the term. Further withdrawals or subsequent closure are permitted subject to a lower interest rate of 0.01% AER/gross p.a. (variable)

Find out more - 1 Year Triple Access Online Saver
  • Make three withdrawals during the 12-month term without loss of interest
  • Open and manage online
 Find out more  - 1 Year Triple Access Online Saver

Inheritance ISA

  • Instant access
  • Cash ISAs
Only for ISA allowances inherited from a spouse or partner
  • Tax-free interest
  • Instant access
  • No transfers allowed
  • Open in branch or by post, then manage online or in branch

0.01% to 0.05%
AER/tax-free (variable)
The interest rate is dependent on the balance in your account and applies to your entire account balance.

Find out more - Inheritance ISA
  • Tax-free interest
  • Instant access
  • No transfers allowed
  • Open in branch or by post, then manage online or in branch
 Find out more  - Inheritance ISA

Instant ISA Saver

  • Instant access
  • Cash ISAs
  • Tax-free interest
  • Instant access
  • Transfers in allowed anytime
  • Open and manage online or in branch

0.01% to 0.05%
AER/tax-free (variable)
The interest rate is dependent on the balance in your account and applies to your entire account balance.

Find out more - Instant ISA Saver
  • Tax-free interest
  • Instant access
  • Transfers in allowed anytime
  • Open and manage online or in branch
 Find out more  - Instant ISA Saver

Instant Access Saver

  • Instant access
  • An everyday, no frills savings account
  • Instant access
  • Open and manage online or in branch

0.01% to 0.05%
AER/gross p.a. (variable)
The interest rate is dependent on the balance in your account and applies to your entire account balance.

Find out more - Instant Access Saver
  • An everyday, no frills savings account
  • Instant access
  • Open and manage online or in branch
 Find out more  - Instant Access Saver

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See our range of accounts for business customers

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Protecting your money

More about the Financial Services Compensation Scheme

Not sure where to start?

If you are finding if difficult to decide what type of account may suit your needs take a look at our Saving accounts explained page, and we have a range of guides to help you.

Make the most of your savings

In today's low interest rate environment you may be wondering how to make your money work harder, take a look at our handy guide.

Make the most of your savings

Saving for a rainy day

We all know how important it is to save for a rainy day, why not read our guide on how to build a safety net?

Building a safety net

Tax-free savings

You can protect your savings from tax by putting them in a cash ISA. Our guide explains how they work and looks at other tax-efficient options.

Tax-free savings

Jargon explained

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
Gross p.a. is the interest rate without tax deducted.
Net p.a. is the interest rate after the deduction of tax.
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our understanding of current law and HM Revenue & Customs practice, both of which may change.

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