What are you saving for?

We’ve found 16 savings accounts for you

This table shows our current savings accounts, to help you find the account that's right for you.
Account nameInterest rateWithdrawals and chargesManageDesigned forFind out more

Flex Regular Saver

Open online, and save up to £200 a month for 12 months.

2.50%
AER/gross a year (variable)
After 4 withdrawals the interest rate reduces to 0.50% AER/gross a year (variable) for the rest of the termOnlineNationwide current account holders

3 Year Member Online Bond

Available for a limited time only
Lock away a lump sum for 3 years, knowing your interest rate won't change

2.50%
AER/gross a year (fixed)
No withdrawals until the term ends​OnlineNationwide members. You’re a member if you have a current account, mortgage or savings account with us.

Start to Save Issue 2

Increase your balance by at least £25 (but by no more than £50) in each of the 6 months leading up to a prize draw to be in with a chance of winning £250.

2.50%
AER/gross a year (variable) for 24 months
Making withdrawals may affect your entry into the prize drawOnlineAll savers

2 year Fixed Rate Bond

Only available to open in branch. Lock away a lump sum for 2 years, know your interest rate won't change.
2.25%
AER/gross a year (fixed)
A withdrawal in the term closes the account and an early access charge appliesOnline and branchAll savers

2 Year Fixed Rate Online Bond

Lock your money away, manage it online, know your interest rate won't change

2.25%
AER/gross a year (fixed)
No withdrawals until the term ends​OnlineAll savers

2 Year Fixed Rate ISA

Earn tax-free interest on a lump sum, lock it away for 2 years, know your interest rate won't change
2.25%
AER/tax-free (fixed)
A withdrawal in the term closes the account and an early access charge appliesOnline and branchAll savers

1 Year Fixed Rate Bond

Only available to open in branch. Lock away a lump sum for a year, know your interest rate won't change.
2.00%
AER/gross a year (fixed)
A withdrawal in the term closes the account and an early access charge appliesOnline and branchAll savers

1 Year Fixed Rate Online Bond

Lock your money away, manage it online, know your interest rate won't change

2.00%
AER/gross a year (fixed)
No withdrawals until the term ends​OnlineAll savers

1 Year Fixed Rate ISA

Save a lump sum for a year without adding to it, earn tax-free interest at a rate that won't change
2.00%
AER/tax-free (fixed)
A withdrawal in the term closes the account and an early access charge appliesOnline and branchAll savers

1 Year Triple Access Online Saver

Open online, and make up to 3 withdrawals without losing interest
1.50%
AER/gross a year (variable)
After more than 3 withdrawals the interest rate reduces to 0.15% AER/gross a year (variable) for the rest of the termOnlineAll savers

Future Saver – for members who have a main current account with us

Save up to £5,000 a year for your child
1.50%
AER/gross a year (variable)
After more than 1 withdrawal the interest rate reduces to 0.30% AER/gross a year (variable) for the rest of that account yearOnline and branchOur main current account holders with parental responsibility for under-16s

1 Year Triple Access Online ISA

Open online, earn tax-free interest, and make up to 3 withdrawals without losing interest
1.35%
AER/tax-free (variable)
After more than 3 withdrawals the interest rate reduces to 0.15% AER/tax-free (variable) for the rest of the termOnlineAll savers, but to make withdrawals from this account funds must be transferred to a Nationwide current account or suitable instant access savings account in your name

Future Saver – for customers who don't have a main current account with us

Save up to £5,000 a year for your child
1.00%
AER/gross a year (variable)
After more than 1 withdrawal the interest rate reduces to 0.30% AER/gross a year (variable) for the rest of that account yearOnline and branchSavers with parental responsibility for under-16s, who do not have a main current account with us

Flex Instant Saver

Unlimited access to your savings. Just for Nationwide current account holders.
0.50%
AER/gross a year (variable) for 12 months
You can make unlimited withdrawalsOnlineNationwide current account holders

Inheritance ISA

Boost your annual tax-free savings allowance, no transfers in allowed. Interest rate depends on your account balance and applies to the whole balance.
£0.01 - £9,999.99
0.16%
AER/tax-free (variable)
£10,000.00 - £49,999.99
0.18%
AER/tax-free (variable)
£50,000.00+
0.20%
AER/tax-free (variable)
You can make unlimited withdrawalsOnline and branchSavers whose spouse or partner passed away with ISA savings

Instant Access Saver

Unlimited access to your savings. Interest rate depends on your account balance and applies to the whole balance.
£0.01 - £9,999.99
0.16%
AER/gross a year (variable)
£10,000.00 - £49,999.99
0.18%
AER/gross a year (variable)
£50,000.00+
0.20%
AER/gross a year (variable)
You can make unlimited withdrawalsOnline and branchAll savers

Flex Regular Saver

Open online, and save up to £200 a month for 12 months.

Interest rate

2.50%
AER/gross a year (variable)

Withdrawals and charges

After 4 withdrawals the interest rate reduces to 0.50% AER/gross a year (variable) for the rest of the term

3 Year Member Online Bond

Available for a limited time only
Lock away a lump sum for 3 years, knowing your interest rate won't change

Interest rate

2.50%
AER/gross a year (fixed)

Withdrawals and charges

No withdrawals until the term ends​

Start to Save Issue 2

Increase your balance by at least £25 (but by no more than £50) in each of the 6 months leading up to a prize draw to be in with a chance of winning £250.

Interest rate

2.50%
AER/gross a year (variable) for 24 months

Withdrawals and charges

Making withdrawals may affect your entry into the prize draw

2 year Fixed Rate Bond

Only available to open in branch. Lock away a lump sum for 2 years, know your interest rate won't change.

Interest rate

2.25%
AER/gross a year (fixed)

Withdrawals and charges

A withdrawal in the term closes the account and an early access charge applies

2 Year Fixed Rate Online Bond

Lock your money away, manage it online, know your interest rate won't change

Interest rate

2.25%
AER/gross a year (fixed)

Withdrawals and charges

No withdrawals until the term ends​

2 Year Fixed Rate ISA

Earn tax-free interest on a lump sum, lock it away for 2 years, know your interest rate won't change

Interest rate

2.25%
AER/tax-free (fixed)

Withdrawals and charges

A withdrawal in the term closes the account and an early access charge applies

1 Year Fixed Rate Bond

Only available to open in branch. Lock away a lump sum for a year, know your interest rate won't change.

Interest rate

2.00%
AER/gross a year (fixed)

Withdrawals and charges

A withdrawal in the term closes the account and an early access charge applies

1 Year Fixed Rate Online Bond

Lock your money away, manage it online, know your interest rate won't change

Interest rate

2.00%
AER/gross a year (fixed)

Withdrawals and charges

No withdrawals until the term ends​

1 Year Fixed Rate ISA

Save a lump sum for a year without adding to it, earn tax-free interest at a rate that won't change

Interest rate

2.00%
AER/tax-free (fixed)

Withdrawals and charges

A withdrawal in the term closes the account and an early access charge applies

1 Year Triple Access Online Saver

Open online, and make up to 3 withdrawals without losing interest

Interest rate

1.50%
AER/gross a year (variable)

Withdrawals and charges

After more than 3 withdrawals the interest rate reduces to 0.15% AER/gross a year (variable) for the rest of the term

Future Saver – for members who have a main current account with us

Save up to £5,000 a year for your child

Interest rate

1.50%
AER/gross a year (variable)

Withdrawals and charges

After more than 1 withdrawal the interest rate reduces to 0.30% AER/gross a year (variable) for the rest of that account year

1 Year Triple Access Online ISA

Open online, earn tax-free interest, and make up to 3 withdrawals without losing interest

Interest rate

1.35%
AER/tax-free (variable)

Withdrawals and charges

After more than 3 withdrawals the interest rate reduces to 0.15% AER/tax-free (variable) for the rest of the term

Future Saver – for customers who don't have a main current account with us

Save up to £5,000 a year for your child

Interest rate

1.00%
AER/gross a year (variable)

Withdrawals and charges

After more than 1 withdrawal the interest rate reduces to 0.30% AER/gross a year (variable) for the rest of that account year

Flex Instant Saver

Unlimited access to your savings. Just for Nationwide current account holders.

Interest rate

0.50%
AER/gross a year (variable) for 12 months

Withdrawals and charges

You can make unlimited withdrawals

Inheritance ISA

Boost your annual tax-free savings allowance, no transfers in allowed. Interest rate depends on your account balance and applies to the whole balance.

Interest rate

£0.01 - £9,999.99
0.16%
AER/tax-free (variable)
£10,000.00 - £49,999.99
0.18%
AER/tax-free (variable)
£50,000.00+
0.20%
AER/tax-free (variable)

Withdrawals and charges

You can make unlimited withdrawals

Instant Access Saver

Unlimited access to your savings. Interest rate depends on your account balance and applies to the whole balance.

Interest rate

£0.01 - £9,999.99
0.16%
AER/gross a year (variable)
£10,000.00 - £49,999.99
0.18%
AER/gross a year (variable)
£50,000.00+
0.20%
AER/gross a year (variable)

Withdrawals and charges

You can make unlimited withdrawals

Jargon explained

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.

Thought about investing?

Stocks and Shares ISAs are a tax-efficient way to invest. If you're happy to invest for at least 6 years, having one could help you beat inflation and build a nest egg for the future. You'll need to be 18 or over and a Nationwide member.

The value of your investment can go down as well as up, so you may get back less than you originally invested.

Not sure where to start?

Find out whether a savings account, ISA or bond would best suit your needs.

Being a Nationwide member

When you save with us you become a Nationwide member, and part of something striving for mutual good.

New to saving?

If you're not in the habit of saving it can be hard to know where to start. We've got a range of accounts, tools and advice to help you get started.​

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.