Explore our instant access accounts

Apply for an instant access savings account with Nationwide.
Get unlimited withdrawals and easy access to your money.

We’ve found 3 savings accounts for you

Account nameInterest rateWithdrawals and chargesManageDesigned forFind out more

FlexOne Saver

An instant access children’s savings account. Just for FlexOne current account holders.
5.00%
AER/gross a year (variable)
You can make unlimited withdrawalsOnline and branchFlexOne account holders, aged 11 to 17

Flex Instant Saver

Unlimited access to your savings. Just for Nationwide current account holders.
3.00%
AER/gross a year (variable) for 12 months
You can make unlimited withdrawalsOnlineNationwide current account holders

Instant Access Saver

Unlimited access to your savings. Interest rate depends on your account balance and applies to the whole balance.

£0.01 - £9,999.99
1.80%
AER/gross a year (variable)
£10,000.00 - £49,999.99
1.85%
AER/gross a year (variable)
£50,000.00+
2.00%
AER/gross a year (variable)
You can make unlimited withdrawalsOnline and branchAll savers

FlexOne Saver

An instant access children’s savings account. Just for FlexOne current account holders.

Interest rate

5.00%
AER/gross a year (variable)

Withdrawals and charges

You can make unlimited withdrawals

Flex Instant Saver

Unlimited access to your savings. Just for Nationwide current account holders.

Interest rate

3.00%
AER/gross a year (variable) for 12 months

Withdrawals and charges

You can make unlimited withdrawals

Instant Access Saver

Unlimited access to your savings. Interest rate depends on your account balance and applies to the whole balance.

Interest rate

£0.01 - £9,999.99
1.80%
AER/gross a year (variable)
£10,000.00 - £49,999.99
1.85%
AER/gross a year (variable)
£50,000.00+
2.00%
AER/gross a year (variable)

Withdrawals and charges

You can make unlimited withdrawals

What is an instant access savings account?

Get easy access anytime

Get unlimited withdrawals and easy access to your money. You can also withdraw funds anytime without reducing your interest rate or locking away your money.

Your interest rate can change

Your interest rate is variable, meaning it can go up or down. We generally calculate interest daily and pay it annually, so the more money you keep in the account, the more you earn. Limited access and fixed rate savings accounts could offer higher interest rates.

Who they are for

Savers with short-term savings goals, those who want to always be able to access their money and those who want an emergency fund.

Frequently asked questions

Explore other savings accounts

Limited access savings accounts
Only make a certain number of withdrawals without reducing your interest rate.

Fixed rate savings accounts
Deposit a lump sum and lock it away for an interest rate that is fixed for the term of the account.

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?

  1. Member-only products

    We have a range of products we keep just for our members. They include savings accounts, credit cards and loans.

  2. 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.

  1. 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.

  2. 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.