Instant Access Saver

• We work out your interest daily. This is then paid into your account yearly (on the anniversary of your account opening).
• We’ll also pay interest when you close your account.

Yes, the rates are variable. That means we can change them, up or down.

Section 04 of ‘Our Savings Terms and Conditions’ explains when we can do this, and how we’ll let you know.

You can also check our current rates in branch or online at nationwide.co.uk/savingsrates.

For customers with accounts opened on or after 12 January 2026

The figures in the example above assume:

• No more money is paid in and none is taken out
• There are 365 days in the 12-month period
• No further rate changes after the 12 January 2026.

You can do so:

• on this page (the account can only be opened in your sole name)
• on our internet bank or banking app (if you’re registered)
• in branch

You need to pay money into your account within 28 days or the account will close. You can pay in any amount up to £5 million.

You can do so:

• using our internet bank or banking app (if you're registered)
• using a Nationwide cash machine or paying-in machine, as long as you choose to have a cash card (you can only choose to have a cash card if you open your account in branch)
• in one of our branches

You can access your statements through the internet bank or our banking app, or you can ask for one in branch.

Yes, you can take money out in one of our branches, at a Nationwide cash machine, or you can use our banking app or internet bank to transfer money to any Nationwide savings or current account that's in your name and accepts payments. You can also transfer money to a current account you hold with another UK provider as long as it will accept ‘Faster Payments’.

For information on our cash and cheque withdrawal limits, ask in branch or check online.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross is the interest rate without tax deducted.

You may need to pay tax on any interest that takes you over your Personal Savings Allowance (PSA). The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information, visit hmrc.gov.uk (opens in a new window).

The interest rates and information in this summary box came into effect on 12 January 2026.