Important information

Rates may vary (except fixed rates). Income tax will usually be deducted from the interest at the lower rate (currently 20%) unless you are registered to receive interest gross as required by the HM Revenue and Customs.

Complaints we cannot settle to your satisfaction through our internal procedure you may refer to the Financial Ombudsman Service.
Calls may be recorded.

Terms and conditions

In addition to the general conditions, the following conditions apply to CapitalBuilder. If there is a conflict between the general conditions and these CapitalBuilder conditions, the CapitalBuilder conditions will take priority.

  1. The minimum initial deposit on the account is £100 and the minimum balance is £1.
  2. The account is only available to those aged 7 and over.
  3. The account can have a maximum of four joint account holders.
  4. The maximum deposit and balance in the account is £5 million.

CapitalBuilder - accounts opened on or after 1 March 2009

These conditions apply to CapitalBuilder accounts opened on or after 1 March 2009.

  1. The balance on the account will comprise the funds from a matured bond account.


  1. Interest is paid to the account on 30 September each year.

Paying Money in

  1. Payments into the account cannot be made.

Taking money out

  1. After the account is opened, following maturity of your bond, you may transfer the balance to another account with us or have your money returned without notice or loss of interest.
  2. If you wish to make a withdrawal, the account must be closed and the whole balance withdrawn, all or part of which may be transferred to another Nationwide account.