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 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 | 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. | 2.75% 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 1.30% AER/gross a year (variable) £10,000.00 - £49,999.99 1.35% AER/gross a year (variable) £50,000.00+ 1.60% 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
2.75%
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
1.30%
AER/gross a year (variable)
£10,000.00 - £49,999.99
1.35%
AER/gross a year (variable)
£50,000.00+
1.60%
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 save with Nationwide?
Member-only products
We have a range of products we keep just for our members. They include savings accounts, credit cards and loans.
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.
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.
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.