Savings accounts
ISAs
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Let us help you choose a savings account from our range

Just answer a few questions and we'll show you your options, you can use this as many times as you like depending on what you're looking for.

Remember: it’s important to consider all the options available to you. Please check the details of any account you choose, so you’re sure it’s right for your needs and that you meet any eligibility requirements.

What is the account for?

Do you have a Nationwide current account, mortgage or savings account?

Do you hold a Nationwide main current account*?

Do you currently live in England, Scotland or Wales?

Do you have a Nationwide current account, mortgage or savings account?

Do you hold a Nationwide main current account*?

Do you have a Nationwide current account, mortgage or savings account?

Do you hold a Nationwide main current account*?

Savings rates table

Account name

Interest rate

Account features
Find out more

Future Saver – main current account customers

  • 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) 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 – main current account customers
  • 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 – main current account customers

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

Future Saver – customers without a main current account

  • 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

0.50% AER/gross a year (variable) 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 – customers without a main current account
  • 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 – customers without a main current account

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 0.40% AER/tax-free (fixed)
Interest rates linked to length of fixed term.
1 year 0.30% AER/tax-free (fixed)
2 years 0.40% 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

Up to 0.40% AER/gross p.a. (fixed)
Interest rates linked to length of fixed term.
1 year 0.30% AER/gross p.a. (fixed)
2 years 0.40% 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

Up to 0.40% AER/gross p.a. (fixed)
Interest rates linked to length of fixed term.
1 year 0.30% AER/gross p.a. (fixed)
2 years 0.40% 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

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

*What is a main current account?

  • FlexOne
  • FlexStudent
  • FlexGraduate
  • FlexDirect
  • FlexPlus

You also qualify if you hold a FlexAccount and:

- have been paying in £750+ a month for the past 3 months (excluding transfers from any Nationwide account held by you or anyone else)
OR
- you have completed an account switch to us (from a non-Nationwide account) through our Current Account Switch Team in the past 4 months.

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Protecting your money

More about the Financial Services Compensation Scheme

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.