Fixed Rate Cash ISA
4.40% to 4.70% AER / tax-free by term
- Rate type
- Fixed for the term
- Access
- Fixed term — the rate depends on the term chosen
- Minimum
- Not published on the comparison page
- Withdrawals
- Check the account terms before applying
Cash ISA
Nationwide Cash ISA
Nationwide is a building society rather than a bank, and its Cash ISA range splits into a fixed-rate ISA and a limited-access ISA. The limited-access account allows three withdrawals a year before the rate falls by two thirds, so it needs reading carefully before it is used as an emergency fund.
Last updated: 9 September 2026
At a glance
2 ISAs covered
- Fixed-rate and limited-access Cash ISAs
- Three withdrawals a year before the rate drops
- Member-owned building society
The accounts
Nationwide Cash ISAs
Rates and terms as published by Nationwide and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.
1 Year Triple Access ISA
3.30% AER / tax-free, falling to 1.05%
- Rate type
- Variable, withdrawal-linked
- Access
- Three withdrawals a year keeps the headline rate
- Minimum
- Not published on the product page
- Withdrawals
- A fourth withdrawal drops the rate to 1.05% for the rest of the term; withdrawals can be made by transferring to another ISA
The rules
Eligibility, transfers and protection
- Who can apply
- UK residents; Nationwide is a member-owned building society
- Access
- App, online, telephone and a large branch network
- Transfers in
- Accepted, and a transfer counts towards the opening balance
- Flexible ISA
- Not stated on the product page — confirm before applying
- Deposit protection
- FSCS protected up to £120,000, shared with Virgin Money — its business transferred to Nationwide on 2 April 2026, so both brands count towards one limit
- Deposits
- Pay in any time up to the £20,000 annual allowance
Before you commit an allowance
What to check first
- The Triple Access ISA allows three withdrawals a year. A fourth drops the rate from 3.30% to 1.05% for the rest of the term — a cut of roughly two thirds that lasts, rather than applying to one month.
- That makes it a poor emergency fund. If there is any chance of needing the money repeatedly, a genuinely easy-access ISA elsewhere will cost you less.
- The fixed range runs from 4.40% to 4.70% depending on term, so check which term earns the headline rate before assuming it.
- Nationwide's savings rates and switching offers change often. Confirm the rate on the day you apply rather than relying on a figure quoted elsewhere.
- Nationwide and Virgin Money now share one FSCS limit. Virgin Money's business transferred to Nationwide on 2 April 2026, and Nationwide states that money across all accounts with both brands is covered up to a single £120,000 per person. Holding a Cash ISA with each protects you once, not twice.
- As a building society Nationwide has no external shareholders, which is why it tends to compete through member rewards rather than headline rates alone.
A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.
Comparing Nationwide's Cash ISA?
See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.