Savings accounts and ISAs help

The interest rate tells you how much money you will make on the funds that you save.

Savings interest rates can vary over time, so it's important to check the current rates to understand your potential earnings.

If you already have a Nationwide savings account, the simplest way to find your interest rate is by logging in to our banking app or internet bank. You can also visit our savings interest rate checker.

More about our savings interest rates

Each savings account we offer has its own page here on our website where you can find out whether you can have that account.

For most of our savings accounts, you can open them online. But if we need you to visit one of our branches, we will let you know before you apply.

Finding the best account for you

It can be difficult to find the best savings account for you.

While the interest rate is an important benefit of any savings account, there are other things to consider like access to a branch.

Savings accounts versus ISAs

You might want to consider an ISA. A cash ISA is a type of savings account where the interest you earn is tax-free. So you could get more for your money.

The amount you can put in an ISA is set by your ISA allowance. This is the most you can save in an ISA in each tax year. This tax year, the allowance is £20,000.

Like other savings accounts, cash ISAs can offer different options for accessing your money. These can include limited access, which limits how many withdrawals you can make, and fixed rate, which locks in your interest rate after you deposit a lump sum.

Compare our savings accounts and ISAs

For almost all of our savings accounts and ISAs, we pay interest once a year and on the day you close your account. If your account has a fixed term, we will also pay interest at the end of the term.

We pay the interest into your savings account. We cannot pay interest into a different account.

You can find when your account pays interest in your terms and conditions. This is often around the anniversary of account opening, which you can find online on our banking app or internet bank.

Instant access savings accounts allow you to make withdrawals at any time. They can offer flexibility and convenience for your savings needs.

A fixed rate savings account allows you to lock in your money for a set period, usually offering a higher interest rate in return.

At Nationwide, the only type of ISA we offer is a cash ISA. These can only be opened in your own name, joint accounts are not allowed.

However, some of our savings accounts can be joint.

If you are interested in a joint savings account, check the terms and conditions for the account before you apply. You can find these on the pages for each of our accounts. This document will tell you if the account can be joint.

Compare all savings accounts and ISAs