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.

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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. Conditions apply to online account opening.
  • Save up to £5,000 per account year
  • Open and manage online or in branch

3.00% AER/gross p.a. (variable) for members who have a main current account with us.
2.00% AER/gross p.a. (variable) for all other customers.
Rate reduces to 0.50% AER/gross p.a. (variable) if more than one withdrawal is made in an account year.

Find out more - Future Saver
  • Save up to £5,000 per account year
  • Open and manage online or in branch
 Find out more  - Future Saver

Help to Buy: ISA

  • Instant access
  • Cash ISAs
Only for eligible first time buyers
  • Tax-free interest
  • Instant access
  • Open with up to £1200, then save up to £200 a month
  • Transfer an existing Help to Buy: ISA on account opening
  • You could qualify for a Government bonus of up to £3,000 on qualifying purchases
  • Open and manage online or in branch

2.50% AER/tax-free (variable)

Find out more - Help to Buy: ISA
  • Tax-free interest
  • Instant access
  • Open with up to £1200, then save up to £200 a month
  • Transfer an existing Help to Buy: ISA on account opening
  • You could qualify for a Government bonus of up to £3,000 on qualifying purchases
  • Open and manage online or in branch
 Find out more  - Help to Buy: ISA

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

Up to 1.10% AER/tax-free (fixed)
Interest rates linked to length of fixed term.
1 year 0.80% AER/tax-free (fixed)
2 years 1.10% 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
  • Lock away your money for a fixed term with a fixed interest rate
  • No withdrawals or additions during term
  • Open in branch, then manage online or in branch

Up to 1.10% AER/gross p.a. (fixed)
Interest rates linked to length of fixed term.
1 year 0.80% AER/gross p.a. (fixed)
2 years 1.10% AER/gross p.a. (fixed)

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

Up to 1.10% AER/gross p.a. (fixed)
Interest rates linked to length of fixed term.
1 year 0.80% AER/gross p.a. (fixed)
2 years 1.10% 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

Loyalty ISA

  • Instant access
  • Cash ISAs
Exclusively for members with continuous membership of 1 year or more
  • Interest rate linked to length of continuous membership
  • Tax-free interest
  • Instant access
  • Transfers in allowed anytime
  • Open and manage online or in branch

Up to 1.10% AER/tax-free (variable)
Variable interest rates linked to length of continuous membership.
1 year+ 0.80% AER/tax-free
5 years+ 0.85% AER/tax-free
10 years+ 0.95% AER/tax-free
15 years+ 1.10% AER/tax-free

Find out more - Loyalty ISA 1 Year
  • Interest rate linked to length of continuous membership
  • Tax-free interest
  • Instant access
  • Transfers in allowed anytime
  • Open and manage online or in branch
 Find out more  - Loyalty ISA 1 Year

Loyalty Saver

  • Instant access
Exclusively for members with continuous membership of 1 year or more
  • Interest rate linked to length of continuous membership
  • Instant access
  • Open and manage online or in branch

Up to 1.10% AER/gross p.a. (variable)
Variable interest rates linked to length of continuous membership.
1 year+ 0.80% AER/gross p.a
5 years+ 0.85% AER/gross p.a
10 years+ 0.95% AER/gross p.a
15 years+ 1.10% AER/gross p.a

Find out more - Loyalty Saver 1 Year
  • Interest rate linked to length of continuous membership
  • Instant access
  • Open and manage online or in branch
 Find out more  - Loyalty Saver 1 Year

Flexclusive ISA

  • Instant access
  • Cash ISAs
Exclusively for members with a main current account
  • A higher interest rate on our instant access ISA for members with a main current account
  • Tax-free interest
  • Instant access
  • Transfers in allowed anytime
  • Open and manage online or in branch

0.70% to 1.00%
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 - Flexclusive ISA
  • A higher interest rate on our instant access ISA for members with a main current account
  • Tax-free interest
  • Instant access
  • Transfers in allowed anytime
  • Open and manage online or in branch
 Find out more  - Flexclusive ISA

Limited Access Saver

  • Limited access
  • Instant access – up to 5 withdrawals in an account year
  • Further withdrawals are allowed at a lower interest rate
  • Open and manage online or in branch

0.50% AER/gross p.a. (variable) if you make 5 withdrawals or fewer per year. Further withdrawals or subsequent closure are permitted subject to a lower interest rate of 0.10% AER/gross p.a. (variable)

Find out more - Limited Access Saver
  • Instant access – up to 5 withdrawals in an account year
  • Further withdrawals are allowed at a lower interest rate
  • Open and manage online or in branch
 Find out more  - Limited Access Saver

Flex Online Saver

  • Instant access
Exclusively for members with a main current account
  • Instant access
  • Open and manage online

0.30% to 0.50%
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 - Flex Online Saver
  • Instant access
  • Open and manage online
 Find out more  - Flex 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

0.30% to 0.50%
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

0.30% to 0.50%
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

0.10% to 0.25%
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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