Compare Nationwide ISAs
Compare ISAs from Nationwide and other ISA options available.
Investment ISAs put your capital at risk & you may get back less than you originally invested
What you're looking for isn't available; however, these brands may offer suitable alternatives
- Term: 1 Year, with option to make three free withdrawals
- Invest From: £1
Make up to three withdrawals during the 12-month term of this account. Tax free ISA account. Open with £1 or transfer in existing ISA funds. Invest up to £20,000 per tax year. Manage your account online. Interest paid at maturity. FSCS Protected. Must be UK resident and aged 16 or older. Make more than three withdrawals and the rate drops to 1.25% AER/gross p.a. (variable). Not available in branch
- Term: 1 Year
- Invest From: £1
Interest paid at maturity. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
- Term: 1 Year
- Invest From: £100
Interest paid annually. ISA transfers also allowed in. Open online, in branch or by post. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days lost interest
- Term: 2 Years
- Invest From: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
- Term: 2 Years
- Invest From: £1,000
Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s FRISA rates are 4.10% AER/Tax-free p.a. (fixed) for 1 year and 3.80% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 4th July 2025 for new customers and 9th July 2025 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 28th July 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
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- Term: 1 Year
- Invest From: £500
Interest paid annually. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 90 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: 2 Years
- Invest From: £500
Interest paid annually. ISA transfers also allowed in (some providers charge a transfer fee). Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older. Withdrawals permitted subject to 180 days loss of interest. Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK
- Term: 5 Years
- Invest From: £1
Interest paid annually. ISA transfers also allowed in. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older. No withdrawals permitted
Nationwide ISA
Nationwide ISA options currently include a selection of Cash ISA’s plans such as 1, 2 and 3 year fixed rate options and instant options as well as offering a stocks & shares ISA and junior ISA. However before you decides it’s a good idea to shop around to make sure you get the most from your annual allowance, why not check out the comparison table below to check a selection of top, best buys to see if you can decide which plan is best for you:
Nationwide Cash ISA’s:
- Fixed rate: Offer a choice of 1, 2 and 3 year fixed rate ISA’s. These allow you to transfer in a set amount when you open the account and lock it was for a set period of time, you cannot however make and withdrawals in this period, the longer you can lock your money away for the better fixed rate, tax free interest you can earn.
- Flexiclusive ISA: Exclusively available to Nationwide main current account customers, allows you to earn tax free interest, while maintaining the ability to transfer in and make unlimited withdrawals, full closure or transfer to another ISA provider at any time.
- Instant ISA Saver: Same features as the Flexiclusive ISA but available to non-Nationwide main current account customers.
- Nationwide also offer a stocks and shares ISA and junior ISA
About ISAs
Cash ISAs
A Cash ISA works fairly similarly to normal savings accounts offered by a bank or building society, You get the benefit however of earning interest at a tax-free rate up until your maximum allowance, you are only to have one Cash ISA each tax year, however you are allowed to also open a stocks & shares ISA and break your allowance up between the two. Providers tend to offer different choices of Cash ISA such as; Instant Access, Easy Access and Fixed Rate ISAs.
Stocks & Shares ISA’s
Despite being another kind of Individual Savings Account, Stocks and shares ISA’s differ considerable from their cash alternative. A stock and shares ISA is a tax-efficient investment account, you get the option of putting money into different investments such as; funds, trusts and corporate bonds. You don’t pay capital gains tax on gains made within your ISA, but you do on dividends. As this option involves risk, your capital is not protected and if the value of your investments decrease you can end up getting less than you put in.
Junior ISAs
Young people aged under 18 are permitted to have a Junior ISA. Those aged over 16 may open one themselves or you can open a junior ISA for a child under 16 that you have parental responsibility of. Money placed in either type of junior ISA cannot be withdrawn until on or after their 18th birthday.
Transferring an ISA
Providers of ISA’s have to allow them to be transferred to other providers; however a provider does not have to allow a saver to make a transfer to a new ISA with them. Transferring an ISA can be a good way to ensure you are always getting the best rate, however if your existing ISA has a transfer penalty it can be wise to first work out if, factoring the penalty in, you would stand to earn more by staying with your existing arrangement.