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Fixed Rate ISA

Put away a lump sum. Get a tax-free, fixed interest rate.

Why choose a Fixed Rate ISA?

Our Fixed Rate ISA is designed for savers looking to lock their money away for a fixed term. Your interest rate won't change during your fixed term.

Interest rate

From 4.75% to 4.90% AER/tax-free (fixed)

Access to your money

Withdrawing money before your term ends closes the account and an early access charge will apply.

Manage your money

In branch and online – using our Internet Bank or Banking app

Note:

Our branches are very busy at the moment. There may be delays in opening your Fixed Rate ISA in branch.

If you're already a Nationwide member, you can also open your Fixed Rate ISA online through our Internet Bank. Not yet registered for our Internet Bank? Register for online banking today.

Is a Fixed Rate ISA right for you?

Certain savings accounts suit certain types of savers. Find out more about who we designed this account for.

Designed for

  • Savers willing to lock away their money for a fixed term
  • Savers with a lump sum to deposit
  • Savers looking for an interest rate that won't change

Not designed for

  • Savers who want instant access to their money
  • Savers who want to put away money on a regular basis

Information:

Eligibility criteria apply

What is a cash ISA?

A cash ISA allows UK residents aged 16 or over to save up to their annual ISA allowance tax-free with one provider each tax year. The allowance is £20,000 for 2023/24. With other savings accounts, you may have to pay tax on the interest you earn, depending on your Personal Savings Allowance. The interest on a cash ISA is tax-free, so all the interest you earn, you keep.

Is your ISA about to mature?

Find out what your maturity options are, and let us know what you've decided.

Fixed Rate ISA maturity options

Not the right account for you?

Answer a few simple questions and we'll show you what's available.

Find the account that's right for you

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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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.

Photograph of Tyler, Nationwide member since 2016.

Apply for a Fixed Rate ISA

Download or print the account documents

Other Important Information

Charitable assignment
Declaration
Withdrawal limits

Savings and ISA help

Useful guides to help you manage your account and understand the different ways to save.

Savings help

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, 688KB (opens in a new window)