1 Year Triple Access Online ISA

• We work out your interest daily, and pay it into your account at the end of the term.
• We’ll also pay interest when you close your account.

Yes, the rates are variable. That means we can change them, up or down.

Section 04 of our Cash ISA General Terms and Conditions explains when we can do this and how we'll let you know.

You can also check our current rates in your branch or online.

This table shows what a future balance might look like. It assumes:

• you don’t pay any more money in or take any more money out
• the interest rates shown do not change
• the account is opened on 1 September 2025, and £10 is withdrawn on that day – then on the 1st of each month after that for the next three months.

You can open an account:

• on this page
• via our internet bank or banking app (if you're registered)

You can open this account with a minimum of £1 up to a maximum of the annual ISA allowance (currently £20,000 for tax year 2025/2026).

• This is an online account - you can manage your money through the internet bank or banking app.
• You can’t pay money in or take money out in cash or by cheque.

You can transfer money from another cash ISA product you have with us but, to begin with, you can only use our transfer-in process to transfer money you have in an ISA with another ISA manager when you open your account. You will soon be able to use the transfer-in process at any time and we’ll put notices in our branches and on our website to let you know when you can do this.

We will provide you with a statement for any month you pay money into or take money out of your account. You can find your statements on the internet bank.

• Yes, and you can take money out three times during the term without losing interest. If you make four or more withdrawals, you’ll get a lower rate for the rest of the term.
• You can use our banking app or internet bank to transfer money to any Nationwide savings or current account that’s in your name and accepts payments.
• You can replace any money you take out of your cash ISA, as long as you take it out and replace it in the same tax year, without impacting your annual ISA allowance.

After 12 months, we’ll move your money to an instant access cash ISA with a lower interest rate. We’ll be in touch before this happens to explain your options and next steps.

• This account does not come with an ISA card.
• We’ll usually contact you about your account by email.

When you open one or more of our cash ISA products, they will each be part of a single portfolio cash ISA. This means that although you can pay money into your different products, you will only be paying into one portfolio cash ISA. We have set up our cash ISA in this way because it allows you to spread your annual ISA allowance across different products. For example, you could pay part of it into a fixed rate product and part into an instant access product. We have some standalone cash ISAs which cannot be included in the portfolio cash ISA, for example our CTF Maturity ISA. The Product Terms and Conditions will say if a cash ISA is standalone.

Stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Tax-free is the contractual rate of interest payable where interest is exempt from income tax. The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk (opens in a new window).

The interest rates and information in this summary box came into effect on 1 September 2025.