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Instant Access Saver

An instant access savings account that has flexibility for everyone. Save or withdraw when you want.

Interest rate change:

From 1 October 2025, the interest rate on this savings account will decrease to be 1.10% to 1.35% AER/gross a year (variable). To see a breakdown of the new rates and how they affect you, download your new Summary Box - PDF 81KB (opens in a new window).

Why choose Instant Access Saver?

  1. Interest rate

    1.30% to 1.60% AER/gross a year (variable)

  2. Manage your money

    In branch or online using our banking app or internet bank

  3. Access to your money

    Make withdrawals at any time

Is an Instant Access Saver right for you?

Designed for:

  • Savers who want instant access to their money

Not designed for:

  • Savers willing to lock away their money for a fixed term

Information:

Eligibility criteria apply

Want a better interest rate?

You could apply for our Flex Instant Saver instead. You need to have a Nationwide current account and be happy to bank online only.

More about Flex Instant Saver

Not the right account for you?

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Compare our savings accounts

Account details

Explore the key features and benefits of this account in our Summary Box before moving on to start your application.

Information:

This Summary Box sets out the key features of the savings account. For full details, please read the account terms and conditions.

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This Summary Box sets out the key features of the savings account. For full details, please read the account terms and conditions.

Please note, beneficiaries can no longer be added to this account.

Note:

Before you apply, please make sure you read the Summary Box and Terms and Conditions in full and print or save a copy for reference

Apply for Instant Access Saver

Download or print the account documents

Protecting your money

The Financial Services Compensation Scheme (opens in a new window) (FSCS) is a free, independent service that protects up to £85,000 of your eligible money at Nationwide.

Find out more about the FSCS – PDF, 2MB (opens in a new window)