Nationwide savings account rates compared
Nationwide Building Society offers a broad range of savings accounts with interest rates up to 6.5%.

Nationwide is the word's largest building society and one of the UK's largest savings providers. It's recently made moves to takeover Virgin Money. It offers a broad range of savings accounts, so whether you're looking to save your money for a rainy day, or you're willing to let your money mature over a longer period of time, Nationwide has several options. Nationwide Building Society's top savings rate of 6.5% is available on one of its regular savings accounts.
The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Nationwide Building Society offers, plus the highest interest rate currently available.
Savings account types include | Easy access, cash ISAs, fixed-rate bonds, regular savers |
---|---|
Best easy access rate | 4% |
Best cash ISA rate | 4.1% |
Best fixed-rate bond rate | 4% |
Best regular saver rate | 6.5% |
Fixed bond terms | 1 year - 2 years |
Opening options | Branch, website, mobile app |
FSCS protection |
Didn’t find the account type you were looking for? Check our other guides:
A building society is a financial institution owned by its members. Whereas banks are normally listed on the stock market and run for their shareholders, building societies aren’t.
Because they don’t have shareholders to pay, building societies have historically claimed to offer better interest and cheaper mortgage rates than banks offer.
This depends on whether or not you’re already registered with Nationwide. Current members can open an account online, and may be able to do so without showing any proof of identity. Nationwide will let current customers know if they need physical proof.
New customers will have to go into a branch and will need to bring UK photo identification – either a passport or driving licence – plus proof of name and proof of address. Examples include:
There’s a full list of eligible documents, which explains those that are specifically for name or address, on the Nationwide website. If you’re setting up a savings account for a child then you’ll need to provide their passport or birth certificate along with proof of where they live.
Yes, it offers both. Here are some of the basic features:
Email support | |
---|---|
Telephone support | |
In-app or live chat | |
Contact form | |
Branch support |
In our independent 2024 customer satisfaction survey, 94% of Nationwide’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s excellent customer service and competitive rates. Here’s what some of those Nationwide customers had to say:
“Nationwide are very helpful and deal with any problems that may occur quickly and efficiently. I know my money is safe and I can always rely on their customer service.”
“I feel they offer a great interest rate. They also have a good app where I can keep an eye on my savings.”
The Nationwide app has a rating of 4.8 out of 5 from more than 600,000 reviews on the App Store. On Google Play, the app fares slightly worse, with a score of 3.9 from around 110,000 Android app users (May 2024).
Nationwide’s broad range of savings accounts means that it should be easy to find one to suit you, whether you need instant access to your money or you’re happy to lock it away for a fixed period of time. Sadly, it has reduced its range of cash ISAs, so you may need to look more widely to find one that suits.
Because it’s owned by its members and doesn’t need to pay any shareholders, there’s a chance that a Nationwide savings account might get you better interest and cheaper mortgage rates than banks – but be sure to check our other savings accounts reviews to find the best deal for you.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Via customer survey commissioned by Finder
Because I am satisfied with their services
Via customer survey commissioned by Finder
This savings account offered a good rate of interest but the customer service could have been better.
Via customer survey commissioned by Finder
They offer a market leading interest rate for their Regular saver. Account is more flexible than similar ones although quite limited pn what you can pay in each month.
Via customer survey commissioned by Finder
Fantastic savings accounts and deals
Via customer survey commissioned by Finder
Competitive interest rates. Account easy to set up in branch or online.
Via customer survey commissioned by Finder
low interest rate
Via customer survey commissioned by Finder
Lovely staff in branch. Good interest rates
Via customer survey commissioned by Finder
Trusted company I have been with for years
Via customer survey commissioned by Finder
truth
Via customer survey commissioned by Finder
They are very proffessional and are always happy to help with queries and questions
Revolut now offers savings accounts to its customers, known as Savings Vaults. You can get interest of paid daily, but the rate depends on which level of account you have. Find out whether Savings Vaults are a good option for your spare cash.
High inflation could be making your savings accounts lose value in “real terms”. We look at historical savings versus inflation rates.
Earn interest on your savings while still being able to withdraw them if you need to with an easy access savings account.
Choosing between ISAs or normal savings accounts is easier than it seems. Pick the one which pays out most! Read our guide for tips on how to get the most out of your savings pot.
Find out if OneFamily can provide you and your family with the right savings products.
Read more about True Potential, the online financial services provider, and see if it is the right company for you and your savings.
Find out more about the specialised financial services provider, Aldermore, and decide if their cash ISAs, fixed rate bonds or other savings accounts are right for you.
Find out more about Leeds Building Society, and see if their savings accounts are right for you and your savings plan.
Find out more about the breakdown specialists, and see if they can provide you with the right savings account.
Read about the Post Office and the savings accounts they offer. Find out more about the services Post Office Money provide, and see if they are right for you.