1 Year Fixed Rate Cash ISA
Deposit a lump sum for a fixed term. Lock it away for a year and earn tax-free interest.
Interest rate
3.80%
AER/tax-free (fixed)
Fixed rate savings accounts
Explore our fixed rate savings accounts to find the best interest rate and account for you.
Explore our fixed rate accounts
Apply for a fixed rate savings account with Nationwide today.
Deposit a lump sum and know your rate will not change.
We’ve found 12 savings accounts for you
| Account | Interest rate | Withdrawal limits | How to manage the account | Who can apply | Learn more and apply |
|---|---|---|---|---|---|
1 Year Fixed Rate Cash ISA Deposit a lump sum for a fixed term. Lock it away for a year and earn tax-free interest. | 3.80% AER/tax-free (fixed) | If you withdraw money, we will close the ISA and you will pay an early access charge. | Online and branch | UK residents aged 18 or over. ISAs can only be opened by one person as a sole account. | |
2 Year Fixed Rate Cash ISA Deposit a lump sum for a fixed term. Lock it away for 2 years and earn tax-free interest. | 3.80% AER/tax-free (fixed) | If you withdraw money, we will close the ISA and you will pay an early access charge. | Online and branch | UK residents aged 18 or over. ISAs can only be opened by one person as a sole account. | |
3 Year Fixed Rate Cash ISA Deposit a lump sum for a fixed term. Lock it away for 3 years and earn tax-free interest. | 3.80% AER/tax-free (fixed) | If you withdraw money, we will close the ISA and you will pay an early access charge. | Online and branch | UK residents aged 18 or over. ISAs can only be opened by one person as a sole account. | |
5 Year Fixed Rate Cash ISA Deposit a lump sum for a fixed term. Lock it away for 5 years and earn tax-free interest. | 3.80% AER/tax-free (fixed) | If you withdraw money, we will close the ISA and you will pay an early access charge. | Online and branch | UK residents aged 18 or over. ISAs can only be opened by one person as a sole account. | |
1 Year Fixed Rate Online Bond Deposit a lump sum for a fixed term. Lock it away for a year and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online | UK residents aged 16 or over. | |
2 Year Fixed Rate Online Bond Deposit a lump sum for a fixed term. Lock it away for 2 years and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online | UK residents aged 16 or over. | |
3 Year Fixed Rate Online Bond Deposit a lump sum for a fixed term. Lock it away for 3 years and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online | UK residents aged 16 or over. | |
5 Year Fixed Rate Online Bond Deposit a lump sum for a fixed term. Lock it away for 5 years and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online | UK residents aged 16 or over. | |
1 Year Fixed Rate Branch Bond Deposit a lump sum for a fixed term. Lock it away for a year and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online and branch | UK residents aged 16 or over. | |
2 Year Fixed Rate Branch Bond Deposit a lump sum for a fixed term. Lock it away for 2 years and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online and branch | UK residents aged 16 or over. | |
3 Year Fixed Rate Branch Bond Deposit a lump sum for a fixed term. Lock it away for 3 years and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online and branch | UK residents aged 16 or over. | |
5 Year Fixed Rate Branch Bond Deposit a lump sum for a fixed term. Lock it away for 5 years and earn interest. | 3.80% AER/gross a year (fixed) | No withdrawals until the term ends. | Online and branch | UK residents aged 16 or over. |
2 Year Fixed Rate Cash ISA
Deposit a lump sum for a fixed term. Lock it away for 2 years and earn tax-free interest.
Interest rate
3.80%
AER/tax-free (fixed)
Withdrawal limits
If you withdraw money, we will close the ISA and you will pay an early access charge.How to manage the account
Online and branchWho can apply
UK residents aged 18 or over. ISAs can only be opened by one person as a sole account.3 Year Fixed Rate Cash ISA
Deposit a lump sum for a fixed term. Lock it away for 3 years and earn tax-free interest.
Interest rate
3.80%
AER/tax-free (fixed)
Withdrawal limits
If you withdraw money, we will close the ISA and you will pay an early access charge.How to manage the account
Online and branchWho can apply
UK residents aged 18 or over. ISAs can only be opened by one person as a sole account.5 Year Fixed Rate Cash ISA
Deposit a lump sum for a fixed term. Lock it away for 5 years and earn tax-free interest.
Interest rate
3.80%
AER/tax-free (fixed)
Withdrawal limits
If you withdraw money, we will close the ISA and you will pay an early access charge.How to manage the account
Online and branchWho can apply
UK residents aged 18 or over. ISAs can only be opened by one person as a sole account.1 Year Fixed Rate Online Bond
Deposit a lump sum for a fixed term. Lock it away for a year and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
OnlineWho can apply
UK residents aged 16 or over.2 Year Fixed Rate Online Bond
Deposit a lump sum for a fixed term. Lock it away for 2 years and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
OnlineWho can apply
UK residents aged 16 or over.3 Year Fixed Rate Online Bond
Deposit a lump sum for a fixed term. Lock it away for 3 years and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
OnlineWho can apply
UK residents aged 16 or over.5 Year Fixed Rate Online Bond
Deposit a lump sum for a fixed term. Lock it away for 5 years and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
OnlineWho can apply
UK residents aged 16 or over.1 Year Fixed Rate Branch Bond
Deposit a lump sum for a fixed term. Lock it away for a year and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
Online and branchWho can apply
UK residents aged 16 or over.2 Year Fixed Rate Branch Bond
Deposit a lump sum for a fixed term. Lock it away for 2 years and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
Online and branchWho can apply
UK residents aged 16 or over.3 Year Fixed Rate Branch Bond
Deposit a lump sum for a fixed term. Lock it away for 3 years and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
Online and branchWho can apply
UK residents aged 16 or over.5 Year Fixed Rate Branch Bond
Deposit a lump sum for a fixed term. Lock it away for 5 years and earn interest.
Interest rate
3.80%
AER/gross a year (fixed)
Withdrawal limits
No withdrawals until the term ends.How to manage the account
Online and branchWho can apply
UK residents aged 16 or over.What is a fixed rate savings account?
You deposit a lump sum
With some fixed rate accounts, if you withdraw money before the end of the term, you must close the account and pay an early access charge. If this costs more than the interest earned, you will get back less money than you paid in. With other fixed rate accounts, you cannot withdraw money until the end of the term.
Your interest rate is fixed
Your interest rate will not change over the account term. We generally calculate interest daily and pay it annually. So the more money you keep in the account, the more you earn.
Who they are for
Savers with long-term savings goals, those who want to deposit a lump sum and leave it in their account, and those who are looking for an interest rate that will not change.
Frequently asked questions
Explore other savings accounts
Instant access savings accounts
Get easy and unlimited access to your money.
Limited access savings accounts
Only make a certain number of withdrawals without reducing your interest rate.
Cash ISAs
Earn tax-free interest payments on up to £20,000 this tax year with a Nationwide cash ISA.
Children’s savings accounts
Help your child start saving for their future or put some money away for them in a savings account for parents. We do not currently offer junior ISAs.
Compare all savings accounts
Explore our range of savings accounts, ISAs and bonds to find the best account for you today.
Why save with Nationwide?
Member-only products
We have a range of products we keep just for our members. They include savings accounts, credit cards and loans.
Our Savings Promises
We have 7 promises to make things fairer for our members. For example, we promise we won’t offer ‘brand new customer only’ savings accounts.
Stay up to date with our savings accounts
Sign up to SavingsWatch and we’ll let you know whenever we change our rates or bring out a new savings account.
Our Branch Promise
We have over 600 branches up and down the UK. And we have promised to keep every one open until at least the start of 2028.
Help for customers
If you have a savings account with us, we are here to support you.
Quick links:
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.