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Member Exclusive Online Bond

For a limited time, you can get our best available fixed interest rate.

Because we save our best savings rates for our members.

  1. Interest rate

    5.00% AER/gross a year (fixed)

    The interest rate is fixed, which means it will not change for the 18-month term.

  2. Check your balance

    Online, either using our banking app or internet bank.

    We will pay interest on the anniversary of account opening, at the end of the 18-month term and when you close the bond.

  3. Access to your money

    You can only withdraw your money when your term ends. There is no option to close a Member Exclusive Online Bond early to access your money.

Is a Member Exclusive Online Bond right for you?

Designed for

  • Savers wanting to lock away their money for 18 months

  • Savers looking for an interest rate that will not change

  • Savers who want to open their account online

  • Savers who want to put away up to £10,000

  • Savers who were already a Nationwide member on 28 May 2025 and still are a member

Not designed for

  • Savers who may want access to their money during the 18-month account term

  • Savers who want to put away money on a regular basis​​

  • Savers who want to open their account in branch. To apply in branch, consider our Member Exclusive Branch Bond instead

  • Savers who want to put away more than £10,000

Information:

You can only have one Member Exclusive Online Bond 2025 or Member Exclusive Branch Bond 2025 at any time. You cannot open both the online and branch bond. This applies whether you hold the bond in your sole name or jointly with someone else.

Check the eligibility criteria

Account details

Explore the key features and benefits of this account in our Summary Box before moving on to start your application.

Information:

This Summary Box sets out the key features of the savings account. For full details, please read the account terms and conditions.

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Summary Financial Statement

When you open an account with us, we need to let you know about our most recent summary financial statement and auditors' report. Our summary financial statement is published in our Review of the Year document - PDF 2.9MB (opens in a new window). You can find our latest annual report and accounts, including our auditors' report, on our Results and Accounts page.

Five percent

Apply for a Member Exclusive Online Bond

You can apply for our online bond using our internet bank.

Not yet registered for online banking? You can register today. This means you will be able to use our banking app and internet bank.

Download or print the account documents

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.

Find out more about the FSCS – PDF, 2MB (opens in a new window)