Savings and ISAs terms and conditions
View or download all our terms and conditions for savings and cash ISAs.
General savings and ISAs terms and conditions
- Our Savings Account Terms and Conditions
- Our Savings Terms and Conditions (applicable to e-Savings, Start to Save, Start to Save Issue 2, Flex Instant Saver, Flex Regular Saver, Fixed Rate Online Bond, Fixed Term Online Bond Maturity, Continue to Save and Member Online Bond)
- Our Savings Terms and Conditions (applicable to Cashbuilder Card, EasyAccess Card, Fixed Rate Branch Bond, Fixed Rate Branch Bond Maturity, Fixed Rate Online Bond opened on or after 31 January 2023, Flexclusive Saver with a card, FlexOne Saver, Flex Regular Saver Issues 2 and 3, Instant Access Saver opened before 21 June 2018 with a card, Nationwide Fairer Share Branch Bond and Nationwide Fairer Share Online Bond)
- Our Cash ISA Terms and Conditions
- Our Cash ISA Terms and Conditions (applicable to CTF Maturity ISA)
- ISA General Terms and Conditions (applicable to Fixed Rate ISA accounts opened before 1 May 2018)
- Savings General Terms and Conditions (applicable to fixed rate accounts opened before 1 May 2018)
Our accounts
Instant access
- CashBuilder
- CashBuilder Card
- Direct Easy Access
- Direct Easy Access 4
- Direct Saver
- Easy Access
- Easy Access Card
- e-Savings
- Flex Instant Saver
- Flex Instant Saver - for accounts opened on or after 16 June 2022
- Flex Online Saver
- Flex Regular Online Saver
- Flexclusive Regular Saver 2
- Flexclusive Saver
- Flexclusive Saver Issue 8 Card
- Immediate Access Annual
- Instant Access
- Instant Access Saver
- Instant Access Saver - before 21 June 2018
- Instant Access Saver Card - before 21 June 2018
- Instant Saver
- Loyalty Saver
- Monthly Income 60+
- Start to Save
- Start To Save Issue 2
ISAs
- Direct Cash ISA
- Easy Access ISA
- Easy Cash ISA
- Easy Saver ISA
- e-ISA
- Flexclusive ISA
- Help To Buy: ISA
- Inheritance ISA
- Instant Access ISA
- Fixed Rate ISA – opened before 17 March 2023
- Fixed Rate ISA - opened on or after 17 March 2023 and before 6 April 2024
- Fixed Rate ISA – opened on or after 6 April 2024
- Instant ISA
- Instant ISA Saver
- Loyalty Fixed Rate ISA
- Loyalty ISA
- Member Exclusive Fixed Rate ISA
- Online ISA
- Loyalty Single Access ISA
- Single Access ISA Issue 3
- Triple Access ISA
- 1 Year Triple Access Online ISA
- Web ISA
Limited access
- e-Savings Plus
- Flex Regular Saver
- Flex Regular Saver Issue 2
- Flex Regular Saver Issue 3
- InvestDirect
- Limited Access Saver
- Limited Access Saver - before 21 June 2018
- Limited Access Online Saver
- Single Access Saver Issue 1
- Triple Access Saver
- 1 Year Triple Access Online Saver
For children and young people
- Child Trust Fund
- FlexOne Regular Saver
- FlexOne Saver
- Future Saver
- Future Saver before 13 December 2019
- Smart Limited Access
Maturity
- Continue to Save
- CTF Maturity ISA
- Fixed Rate Branch Bond Maturity
- Fixed Term Bond Maturity
- Fixed Term e-Bond Maturity
Fixed rate
Accounts opened after 1st May 2018
- Fixed Rate ISA – opened before 17 March 2023
- Fixed Rate ISA – opened on or after 17 March 2023
- Fixed Rate Online Bond – opened before 31 January 2023
- Fixed Rate Online Bond – opened on or after 31 January 2023
- Member Exclusive Bond
- Member Exclusive Fixed Rate ISA
- Member Online Bond
- Fixed Rate ISA - opened on or after 17 March 2023 and before 6 April 2024
- Fixed Rate ISA – opened on or after 6 April 2024
- Mutual Reward Bond and Mutual Reward e-Bond
- Nationwide Fairer Share Branch Bond
- Nationwide Fairer Share Online Bond
Accounts opened before 1st May 2018
- Bonds (Fixed Rate Bonds) - before 1 May 2018
- Fixed Rate e-Bonds (before 7 June 2017)
- Fixed Rate e-Bond and Loyalty Fixed Rate e-Bond (7 June 2017 - 30 April 2018)
- Loyalty Fixed Rate ISA
Other agreements and terms
- SavingsWatch terms and conditions
- Savings Declaration
- HMRC ISA Declaration
- Inherited ISA allowance
- Help to Buy: ISA Eligible Customer Declaration