Nationwide savings accounts

As part of Nationwide Building Society’s ethos, it has introduced several ‘savings promises’. These include a promise to pay interest as soon as they receive a cash ISA transfer application, as well as a pledge that its fixed rate ISA rates will match or beat its equivalent bond rates. It also offers a ‘Rate Guarantee’, so that when you take another Fixed Rate Bond or Fixed Rate ISA - if the rate changes between the date you are notified of your options and your existing product maturity date, you’ll get the better rate as long as you get back to Nationwide by your maturity date.

Compare Nationwide savings accounts - Ordered by interest rate (AER)

    • Provider/Product name FlexOne Regular Saver

      Nationwide Building Society

      FlexOne Regular Saver

    • Interest rate (AER) 3.50% Variable
    • Min/Max opening amount £1 to £5,000,000
    • Notice / Term Notice Period: instant
    • Account type Children’s Regular Saver Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Unlimited withdrawals without penalty
    But be aware that
    You must be aged between 11-17 and hold a FlexOne current account to be eligible to apply for this account
    • Provider/Product name Smart Junior ISA

      Nationwide Building Society

      Smart Junior ISA

    • Interest rate (AER) 3.25% Variable
    • Min/Max opening amount £1 to £ no limit
    • Notice / Term Term: until age 18
    • Account type Cash Junior ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

  1. 2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Regular tax-free savings with no requirement to make monthly deposits
    Instant access to your savings (subject to your annual ISA allowance)
    But be aware that
    Maximum monthly net balance increase is £1,270 until 01 March 2016
    From 1 March 2016, the maximum monthly deposit limit will be removed and you can then deposit up to the annual ISA allowance
    Accepts new subscriptions only
    • Provider/Product name 3 Year Fixed Rate ISA

      Nationwide Building Society

      3 Year Fixed Rate ISA

    • Interest rate (AER) 2.00% Fixed
    • Min/Max opening amount £1 to £ no limit
    • Notice / Term Term: 3 year bond
    • Account type Fixed Rate Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Transferring existing ISA balances
    Applying online
    But be aware that
    Once opened, access to your account can only be done via branch
    Interest paid on anniversary
    • Provider/Product name Save To Buy ISA Issue 2

      Nationwide Building Society

      Save To Buy ISA Issue 2

    • Interest rate (AER) 2.00% Variable
    • Min/Max opening amount £50 to £20,000
    • Notice / Term Term: 3 year bond
    • Account type ISA Regular Saver Account Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    First Time Buyers and Home Movers
    Access to a 5% deposit Nationwide mortgage when you have had the account for six months. T&C’s apply
    But be aware that
    ISA transfers are not allowed
    • Provider/Product name Save to Buy Issue 2

      Nationwide Building Society

      Save to Buy Issue 2

    • Interest rate (AER) 2.00% Variable
    • Min/Max opening amount £50 to £20,000
    • Notice / Term Term: 3 year bond
    • Account type Regular Saver Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    • Provider/Product name 2 Year Fixed Rate ISA

      Nationwide Building Society

      2 Year Fixed Rate ISA

    • Interest rate (AER) 1.80% Fixed
    • Min/Max opening amount £1 to £ no limit
    • Notice / Term Term: 2 year bond
    • Account type Fixed Rate Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Transferring existing ISA balances
    But be aware that
    Application and access must be via branch only
    Interest is paid annually
    • Provider/Product name Flexclusive ISA (Issue 9)

      Nationwide Building Society

      Flexclusive ISA (Issue 9)

    • Interest rate (AER) 1.60% Variable
    • Min/Max opening amount £1 to £ no limit
    • Notice / Term Notice Period: instant
    • Account type Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Existing Nationwide customers
    But be aware that
    You must already hold a FlexAccount and have been paying a minimum of £750 per month for the last 3 months
  2. 2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Opening an account with just £1
    Unlimited withdrawals without penalty
    Transferring existing ISA balances
    But be aware that
    Interest is paid annually
    • Provider/Product name Champion ISA

      Nationwide Building Society

      Champion ISA

    • Interest rate (AER) 1.00% Variable
    • Min/Max opening amount £1 to £ no limit
    • Notice / Term Notice Period: instant
    • Account type Cash ISA Transfer In
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Tax-free savings with unlimited instant access
    Receiving a unique monthly Rate Promise
    Opened in branch and managed online, by standing order or in any Nationwide branch
    But be aware that
    Every month Nationwide average the five highest branch-based rates from eight high-street competitors and offer this as the Champion ISA interest rate for the following month
    Minimum age 16
    • Provider/Product name Loyalty Saver Issue 6

      Nationwide Building Society

      Loyalty Saver Issue 6

    • Interest rate (AER) 1.00% Variable
    • Min/Max opening amount £1 to £50,000
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Long term Nationwide customers
    But be aware that
    The rate you get will vary depending on the length of your Nationwide membership
    You must have been a Nationwide customer for five years or more to be eligible for this rate
    Maximum balance for this rate is £50,000
    • Provider/Product name Limited Access Saver Issue 3

      Nationwide Building Society

      Limited Access Saver Issue 3

    • Interest rate (AER) 0.90% Variable
    • Min/Max opening amount £1 to £5,000,000
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    • Provider/Product name Flexclusive Saver Issue 7

      Nationwide Building Society

      Flexclusive Saver Issue 7

    • Interest rate (AER) 0.90% Variable
    • Min/Max opening amount £1 to £5,000,000
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    • Provider/Product name Loyalty Saver Issue 6

      Nationwide Building Society

      Loyalty Saver Issue 6

    • Interest rate (AER) 0.90% Variable
    • Min/Max opening amount £1 to £50,000
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Long term Nationwide customers
    But be aware that
    The rate you get will vary depending on the length of your Nationwide membership
    You must have been a Nationwide customer for one year or more to be eligible for this rate
    Maximum balance for this rate is £50,000
    • Provider/Product name Smart

      Nationwide Building Society

      Smart

    • Interest rate (AER) 0.75% Variable
    • Min/Max opening amount £1 to £5,000,000
    • Notice / Term Notice Period: instant
    • Account type Children’s Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    • Provider/Product name Champion Saver

      Nationwide Building Society

      Champion Saver

    • Interest rate (AER) 0.60% Variable
    • Min/Max opening amount £1 to £999
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    Great for
    Those who want a competitive rate without having to compare the high street
    Receiving a unique monthly Rate Promise
    Unlimited instant access
    But be aware that
    Every month Nationwide average the five highest branch-based rates from eight high-street competitors and offer this as the Champion Saver interest rate for the following month
    Opened in branch and managed online, by standing order or in any Nationwide branch
    • Provider/Product name Limited Access Saver Issue 3

      Nationwide Building Society

      Limited Access Saver Issue 3

    • Interest rate (AER) 0.50% Variable
    • Min/Max opening amount £1 to £5,000,000
    • Notice / Term Notice Period: instant
    • Account type Easy Access Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

    • Provider/Product name Regular Savings

      Nationwide Building Society

      Regular Savings

    • Interest rate (AER) 0.25% Variable
    • Min/Max opening amount £1 to £ no limit
    • Notice / Term Notice Period: instant
    • Account type Regular Saver Account
    • Access Internet Post Telephone In Branch
    • Sorry, we have no link

      More details

    2015 SUPERS

    Winner of the best overall savings provider

Nationwide Savings Guide

If you want to save money but can’t afford to tie up your savings into a long-term savings account, then an easy access savings account is probably best for you. With an easy access savings account there are no penalties for accessing your money which you can do at any time. You can also top up your balance as and when you want to.

If you want to save for the longer term, you may want to consider a fixed rate bond. Fixed rate bonds generally offer higher interest rates than easy access accounts but your money is tied up for the duration of the bond.

You should try to use up your tax-free savings allowance first though with a cash ISA. Again, you can choose between a fixed or easy access variable rate accounts.

Make sure that you weigh up the advantages and disadvantages of the different Nationwide savings accounts – and compare them to the wider savings market – before you make a decision about where to save.

The first £85,000 of any savings held with Nationwide is protected by the Financial Services Compensation Scheme (FSCS). Remember that so if you also have savings with any other of its brands, only the first £85,000 held across all your accounts will be covered.

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