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.

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Instant access
Limited access
Cash ISAs
Fixed term
Children's Savings

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
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
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 1.00% AER/tax-free (fixed) Interest rates linked to length of fixed term. 1 year 0.75% AER/tax-free (fixed) 2 years 0.85% AER/tax-free (fixed) 3 years 1.00% 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 1.00% AER/gross p.a. (fixed) Interest rates linked to length of fixed term. 1 year 0.75% AER/gross p.a. (fixed) 2 years 0.85% AER/gross p.a. (fixed) 3 years 1.00% 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 1.00% AER/gross p.a. (fixed) Interest rates linked to length of fixed term. 1 year 0.75% AER/gross p.a. (fixed) 2 years 0.85% AER/gross p.a. (fixed) 3 years 1.00% 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
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

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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Savings accounts from Nationwide

Don't have time to browse?

What are you looking for?

Future Saver

Help to Buy: ISA

Loyalty ISA

Loyalty Saver

Fixed Rate ISAs

Fixed Rate Bonds

Fixed Rate e‑Bonds

Flexclusive ISA

Limited Access Saver

Flex Online Saver

Inheritance ISA

Instant ISA Saver

Instant Access Saver

Not sure where to start?

Make the most of your savings

Saving for a rainy day

Tax-free savings

Jargon explained

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Savings accounts from Nationwide

Don't have time to browse?

What are you looking for?

Not sure where to start?

Make the most of your savings

Saving for a rainy day

Tax-free savings

Jargon explained

We'd value your feedbackwhen you're ready

We'd value your feedback
when you're ready