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?

Did you have this account or mortgage before 16 October 2019?

Do you hold a Nationwide main current account*?

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?

Did you have this account or mortgage before 16 October 2019?

Do you hold a Nationwide main current account*?

Do you hold a Nationwide main current account*?

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

Did you have this account or mortgage before 16 October 2019?

Do you hold a Nationwide main current 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. 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)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

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

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

2.00% 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 without 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 without a main current account

Member Exclusive Bond

  • Fixed term
For savers who have held a Nationwide current account, mortgage or savings account since 15 October 2019 or before
  • Lock away your money for a fixed 18 month term with a fixed interest rate
  • No withdrawals or additions during term
  • Open in branch, then manage online or in branch

1.50% AER/gross p.a. (fixed)

Find out more - Member Exclusive Bond
  • Lock away your money for a fixed 18 month term with a fixed interest rate
  • No withdrawals or additions during term
  • Open in branch, then manage online or in branch
 Find out more  - Member Exclusive Bond

1 Year Triple Access Online ISA

  • Limited access
  • Cash ISAs
For savers who have a Nationwide current account or instant-access savings account (not including ISAs)
  • Make three withdrawals during the 12-month term without loss of interest
  • Tax-free interest
  • Open and manage online using our Internet Bank or Banking app

1.21% AER/tax-free (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 0.10% AER/tax-free (variable)

Find out more - 1 Year Triple Access Online ISA
  • Make three withdrawals during the 12-month term without loss of interest
  • Tax-free interest
  • Open and manage online using our Internet Bank or Banking app
 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

1.21% 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 0.10% 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

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

Triple Access ISA

  • Limited access
  • Cash ISAs
  • Make three withdrawals per account year without loss of interest
  • Tax-free interest
  • Open in branch, then manage in branch or online

0.75% AER/tax-free (variable) if you make 3 withdrawals or fewer per year. Further withdrawals or subsequent closure are permitted subject to a lower interest rate of 0.10% AER/tax-free (variable)

Find out more - Triple Access ISA
  • Make three withdrawals per account year without loss of interest
  • Tax-free interest
  • Open in branch, then manage in branch or online
 Find out more  - Triple Access ISA

Triple Access Saver

  • Limited access
  • Make three withdrawals per account year without loss of interest
  • Open in branch, then manage in branch or online

0.75% AER/gross p.a. (variable) if you make 3 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 - Triple Access Saver
  • Make three withdrawals per account year without loss of interest
  • Open in branch, then manage in branch or online
 Find out more  - Triple 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

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

*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.