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?

Have you had your account or mortgage for more than one year?

Do you hold a Nationwide main current account*?

Are you saving for your first home?

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

Have you had your account or mortgage for more than one year?

Do you hold a Nationwide main current account*?

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

Have you had your account or mortgage for more than one year?

Do you hold a Nationwide main current account*?

View our full range of savings

*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.

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. Conditions apply to online account opening. Save up to £5,000 per account year Open and manage online or in branch	3.50% AER/gross p.a. (variable) 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 — main current account customers	Save up to £5,000 per account year Open and manage online or in branch	Find out more - Future Saver — main current account customers
Future Saver — customers who do not have a main current account 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	2.50% AER/gross p.a. (variable) 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 — customers who do not have a main current account	Save up to £5,000 per account year Open and manage online or in branch	Find out more - Future Saver — customers who do not have a main current account
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 1.60% 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) 3 years 1.30% AER/tax-free (fixed) 5 years 1.60% 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 1.60% 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) 3 years 1.30% AER/gross p.a. (fixed) 5 years 1.60% 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 1.60% 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) 3 years 1.30% AER/gross p.a. (fixed) 5 years 1.60% 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 Single Access ISA Limited access Cash ISAs For members who've been with us for a year or more continuously Make up to 1 withdrawal in an account year without penalty Make further withdrawals and earn a lower interest rate for the rest of the account year Open and manage online or in branch	1.40% AER/tax-free (variable) if you make 1 or no withdrawals per year. Further withdrawals are permitted subject to a lower interest rate of 0.50% AER/tax-free (variable) Find out more - Loyalty Single Access ISA	Make up to 1 withdrawal in an account year without penalty Make further withdrawals and earn a lower interest rate for the rest of the account year Open and manage online or in branch	Find out more - Loyalty Single Access ISA
Single Access ISA Limited access Cash ISAs Make up to 1 withdrawal in an account year without penalty Make further withdrawals and earn a lower interest rate for the rest of the account year Open and manage online or in branch	1.30% AER/tax-free (variable) if you make 1 or no withdrawals per year. Further withdrawals are permitted subject to a lower interest rate of 0.50% AER/tax-free (variable) Find out more - Single Access ISA	Make up to 1 withdrawal in an account year without penalty Make further withdrawals and earn a lower interest rate for the rest of the account year Open and manage online or in branch	Find out more - Single Access ISA
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	1.10% AER/tax-free (variable) 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
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
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	0.75% 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	0.60% AER/gross p.a. (variable) Find out more - Flex Online Saver	Instant access Open and manage online	Find out more - Flex 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	0.50% to 0.65% 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