FlexOne Saver
Instant access children’s savings account. Save up to £5,000.
Interest rate
5.00%
AER/gross a year (variable)
Instant access savings accounts
Explore our instant access savings accounts to find the best interest rate and account for you.
Explore Nationwide 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 | Interest rate | Withdrawal limits | How to manage the account | Who can apply | Learn more and apply |
|---|---|---|---|---|---|
FlexOne Saver Instant access children’s savings account. Save up to £5,000. | 5.00% AER/gross a year (variable) | Unlimited withdrawals. | Online and branch | FlexOne account holders aged 11 to 17. | |
Flex Instant Saver Instant access savings account with a 12-month term. For existing current account customers only. | 2.30% AER/gross a year (variable) | Unlimited withdrawals. | Online | Nationwide current account holders aged 16 or over who apply online. | |
Instant Access Saver Instant access savings account where the interest rate depends on your account balance and applies to the whole balance. | £0.01 - £9,999.99 1.10% AER/gross a year (variable) £10,000.00 - £49,999.99 1.15% AER/gross a year (variable) £50,000.00+ 1.20% AER/gross a year (variable) | Unlimited withdrawals. | Online and branch | UK residents aged 16 or over. |
Flex Instant Saver
Instant access savings account with a 12-month term. For existing current account customers only.
Interest rate
2.30%
AER/gross a year (variable)
Withdrawal limits
Unlimited withdrawals.How to manage the account
OnlineWho can apply
Nationwide current account holders aged 16 or over who apply online.Instant Access Saver
Instant access savings account where the interest rate depends on your account balance and applies to the whole balance.
Interest rate
£0.01 - £9,999.99
1.10%
AER/gross a year (variable)
£10,000.00 - £49,999.99
1.15%
AER/gross a year (variable)
£50,000.00+
1.20%
AER/gross a year (variable)
Withdrawal limits
Unlimited withdrawals.How to manage the account
Online and branchWho can apply
UK residents aged 16 or over.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 we’re a good way to save
We save our best rates for members
Compare our interest ratesOur top savings accounts are only for existing members, and we won't offer ‘new customer only’ savings accounts. Because as a mutual, we are owned by our members.
We can alert you when things change
Register for alertsSign up to SavingsWatch and we can tell you about new savings accounts and when our rates change.
We make saving easier with app tools
Discover our app toolsThe Nationwide app is designed to make saving easier. Set trackable goals to help you save towards what matters or save your change using round-ups and quick save with a Nationwide current account.
We offer a rate guarantee when you stick with us
Explore our savings promisesWhen your fixed rate bond or ISA is due to mature, if our rate changes between when we contact you and maturity, you will get the better rate. You just need to get back to us by your maturity date.
Help for customers
If you already have a Nationwide savings account, we are here to support you.
Quick links:
Looking after your money
We're committed to keeping your money safe. And as well as the security you get from us, you're also protected by the Financial Services Compensation Scheme (FSCS).
This means the money across all your Nationwide and Virgin Money accounts is covered up to £120,000 per eligible person (or a combined £240,000 for joint accounts). This applies if we're unable to meet our financial commitments or stop trading.