Why choose Triple Access ISA?

Interest rate

Up to 0.75% AER/tax-free (variable)

Access to your money

Make three withdrawals per account year.

Make more than three and the rate drops to 0.10% AER/tax-free (variable).

Manage your money

In branch
Online

Designed for:

  • Savers who are happy to make up to three withdrawals per account year without loss of interest
  • Savers who want to open their account in branch

Not designed for:

  • Savers who want to make more than three withdrawals per account year without loss of interest
  • Savers who want to open their account online
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Account details

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

Summary Box

Account name

Triple Access ISA

What is the interest rate?

Your rate depends on how many times you take money during the Account Year. After you take money out 4 times, the lower rate applies for the rest of the Account Year.

The Account Year is the 12 months from the date you opened the account up until the day before the account anniversary. After that, it’s each 12 month period that begins on the anniversary of the day you opened the account.

Withdrawals Interest rate AER/tax-free (variable)
3 or fewer 0.75%
4 or more 0.10%

Receiving your interest

  • We work out your interest daily. This is then paid into your account yearly (at the end of the day before each anniversary of your account opening).
  • You can choose to have interest paid to you by having it added to this account, or by asking us to pay it into a different Nationwide current account or savings account (as long as it is possible to make interest payments into that account) or a current account with another building society or bank.

Can Nationwide change the interest rate?

Yes, the rates are variable. That means we can change them, up or down.

The following sections of our Cash ISA General Terms and Conditions explain when we can do this, and how we’ll let you know:

  • ‘Variation of your interest rate and other account terms and conditions’
  • ‘How will we tell you about interest rate changes?’

You can also check our current rates in your branch, or online at nationwide.co.uk/savingsrates

What would the estimated balance be after 12 months based on a £1,000 deposit?

Withdrawals made Interest rate AER/tax-free (variable) Balance after 12 months
0 0.75% £1007.50
4 0.10% £963.10*

*Example shows the estimated balance if you withdraw £10 on the first day of the month, for the first 4 months of the Account Year.

This table shows what a future balance might look like. It assumes:

  • You don’t pay any more money in
  • The interest rates shown do not change

How do I open and manage my account?

  1. Check you can have this account

    You need to:

    • be 16 or over
    • be a UK resident for tax purposes or, if not, you need to either be a Crown employee serving overseas or be married to, or in a civil partnership with, someone who is

    You can’t open this account if you’ve:

    • already used up your ISA allowance this tax year – whatever the type of ISA you’ve paid into
    • paid into a cash ISA with another provider this tax year, unless you’ll be transferring that ISA into this account.

    You cannot open this account in trust for the benefit of another person.

  2. How to open your account

    You just need to put in at least £1. You can save up to this year’s ISA allowance (£20,000 in the tax year 2019/20). If you have existing ISAs with us or with another provider, you can transfer them into this account by going to nationwide.co.uk/isas

  3. Manage your account

Can I withdraw money?

  • Yes, and you can take money out three times in the Account Year without losing interest. If you take money out more than this, you’ll get a lower rate for the rest of the Account Year.
  • You can take money out in one of our branches or use our Banking app or Internet Bank to transfer money to any Nationwide savings or current account that accepts payments.
  • You can replace any withdrawn money from your cash ISA, as long as you withdraw and replace it in the same tax year, without impacting your annual ISA allowance.
  • You can make transfers by CHAPS (please note, this service is only available in branch and there is a fee payable).

For information on our cash and cheque withdrawal limits, ask in branch or check online at nationwide.co.uk/withdrawal-limits

Additional information

Interest rate terms explained

AER

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Tax-free

Your interest is paid free from income tax.

The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk

The interest rates and information in this summary box came into effect on 16 October 2019.

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

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

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