Why choose a Member Exclusive Online Bond?

The Member Exclusive Online Bond offers a 5.50% AER/gross a year (fixed) interest rate on your savings for 18 months. It's exclusively for existing members, and not available to new customers.

Interest rate

5.50% AER/gross a year (fixed) for 18 months

Access to your money

Only when your term ends. There is no option to close a Member Exclusive Online Bond early to access your money.

Manage your money

Online – in the Internet Bank or Banking app


The Member Exclusive Online Bond can only be opened and managed online. If you would prefer to open your account in branch, we have a Member Exclusive Branch Bond which has the same interest rate.

You can only have one Member Exclusive Online Bond or one Member Exclusive Branch Bond at any time. This applies whether you hold the account in your sole name or jointly with someone else.

Is a Member Exclusive Online Bond right for you?

Certain savings accounts suit certain types of savers. Find out more about who we designed this account for.

Designed for

  • Savers who were Nationwide members on 22 May 2024 and are still members when they apply. You're a member if you have a mortgage, savings or current account with us
  • Savers who want to save up to £10,000
  • Savers wanting to lock away their money for a fixed term
  • Savers looking for an interest rate that won't change
  • Savers registered for online banking

Not designed for

  • Savers who want to save more than £10,000
  • Savers who may want access to their money during the account term
  • Savers who want to put away money on a regular basis
  • Savers wanting to open or manage their account in branch

Not the right account for you?

Answer a few simple questions and we'll show you what's available.

Account details

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


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



Before you apply, please make sure you read the Summary Box and Terms and Conditions in full and print or save a copy for reference.


If you need support with your online application, we’ll be happy to help you in branch. Your nearest branch can talk you through your options in person or over the phone.

Savings and ISA help

Useful guides to help you manage your account and understand the different ways to save.

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.