Nationwide ISA rates

How Nationwide's ISA rates compare

Nationwide's highest easy access rate is 3.30% AER, on its 1 Year Triple Access ISA. The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a Nationwide ISA

5 Year Fixed Rate Cash ISA

You can only close the whole ISA early, with a charge of 300 days' interest, and there are no part withdrawals or top-ups.

3 Year Fixed Rate Cash ISA

You can only close the whole ISA early, with a charge of 180 days' interest, and there are no part withdrawals or top-ups.

2 Year Fixed Rate Cash ISA

You can only close the whole ISA early, with a charge of 120 days' interest, and there are no part withdrawals or top-ups.

1 Year Fixed Rate Cash ISA

You can only close the whole ISA early, with a charge of 60 days' interest, and there are no part withdrawals or top-ups.

1 Year Triple Access ISA

Withdraw up to 3 times in the 12 month term at the full rate, after which a 4th withdrawal drops the rate to 1.05% AER for the rest of the term.

Transferring an ISA to or from Nationwide

All 5 of Nationwide's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to Nationwide

• You cannot transfer to a Nationwide ISA that is already open: you apply for a new one, and Nationwide asks during the application whether you want to transfer an ISA from another provider.
• You can apply to transfer online if your provider is on Nationwide's list, or in person at any branch, and new customers must apply for the Fixed Rate Cash ISA in a branch.
• Nationwide accepts cash ISAs and stocks and shares ISAs, and you have a cash ISA after the transfer because Nationwide does not offer stocks and shares ISAs.
• Money paid into your old ISA this tax year, with no withdrawals, must move in full, and earlier years' money can move in whole or in part if your old provider allows it.
• The Fixed Rate Cash ISA is funded during the application, either by an ISA transfer or from a Nationwide account, with a minimum of £1 and no top-ups afterwards.
• Interest is usually earned as if the money was paid in on the day Nationwide received your transfer instruction, unless a notice period or other restriction on the old ISA delays it.

How long a transfer takes

Cash ISA transfers into Nationwide take up to 15 working days from when Nationwide receives your request, and may take longer for funds with a notice period. For balances under £100,000, Nationwide uses Faster Payments once it has closed the ISA, and the new provider receives the money by the end of the next working day. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from Nationwide

If you move to another provider, you must transfer all the money paid into all your Nationwide cash ISAs this tax year, but can choose how much of earlier years' money to transfer. Early access charges still apply to a transfer: on a Fixed Rate Cash ISA they are equivalent to 60, 120, 180 or 300 days' interest for 1, 2, 3 or 5 year terms. There is no early access charge if you cancel a Fixed Rate Cash ISA within 14 days of opening it. You can move a Cash ISA from Nationwide to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on Nationwide's own website on 9 October 2026.

Is the Nationwide ISA flexible?

1 of Nationwide's 5 adult Cash ISAs are flexible: 1 Year Triple Access ISA. With a flexible ISA you can take money out and put it back in the same tax year without using more of your allowance.

Good to know before you open one

5 Year Fixed Rate Cash ISA

New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.

3 Year Fixed Rate Cash ISA

New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.

2 Year Fixed Rate Cash ISA

New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.

1 Year Fixed Rate Cash ISA

New customers must apply in branch. Fund it when you open it. Moves to an instant access Cash ISA at the end of the term.

1 Year Triple Access ISA

Limited access: 3 withdrawals a term. After 12 months the balance moves into an instant access Cash ISA at a lower rate. Transfers in only when you open it.

About Nationwide

Legal name

Nationwide Building Society

Country of incorporation

United Kingdom

Principal place of business

Swindon, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 106078)

Deposit protection

FSCS, up to £120,000 per person per banking licence, shared with Virgin Money

Complaints

Financial Ombudsman Service

This page covers Nationwide's Cash ISAs only. We have no commercial relationship with Nationwide, and the order of the table is set by rate alone. See how we compare and how we make money.