It's not possible to open this account right now

This account has to be opened in branch, and we need to keep each other safe by staying home. For now, please wait to open this account. We hope it will be safe to do so in branch soon, and meanwhile we'll look for ways to make it possible from home.

Some of our other savings accounts can be opened online. See all our savings accounts.

Why choose Triple Access Saver?

Interest rate

Up to 0.50% AER/gross a year (variable)

Access to your money

Make three withdrawals per account year.

Make more than three and the rate drops to 0.05% AER/gross p.a. (variable).

Manage your money

In branch

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 Saver 2

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/gross a year (variable)
3 or fewer 0.50%
4 or more 0.05%

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)
  • If you close your account early, we’ll pay your interest on the day it’s closed into another Nationwide current or savings account, or a current account with another UK provider. This account must be in your name, and be able to accept payments.

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 Savings 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

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

Withdrawals made Interest rate AER/gross a year (variable) Balance after 12 months
0 0.50% £1005.00
4 0.05% £961.96*

*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

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

  2. How to open your account

    • You can only open this account in one of our branches. You can open an account in your name or jointly with one other person.
    • You need to pay money into your account within 28 days or the account will close. You can pay in any amount up to £5 million.
  3. Manage your account

    You can do so:

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, at a Nationwide ATM, or you can use our Banking app or Internet Bank to transfer money to any Nationwide savings or current account that’s in your name and accepts payments. You can also transfer money to a current account you hold with another UK provider as long as it will accept ‘Faster Payments’.

For information on our cash and cheque withdrawal limits, ask in branch or check online at

Additional information

If you’ve provided us with a valid email address, we’ll usually contact you about your account by email, unless we need to send you a letter. If we don’t have a valid email address for you, then we’ll contact you about your account by sending a letter.

Interest rate terms explained


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


The interest rate without tax deducted.

Personal Savings Allowance (PSA)

You may need to pay tax on any interest that takes you over your PSA. For more information, visit HM Revenue & Custom’s (HMRC) website

The tax information is based on our understanding of current law and HMRC practice, both of which may change.

The interest rates and information in this summary box came into effect on 20 March 2020.

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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