Cash ISA

Nationwide 1 Year Fixed Rate Cash ISA Review

A competitive one-year cash ISA from Nationwide. It ranks 22nd of 47 one-year cash ISAs we track.

Fixed rate · 1 year

4.50%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

1 Year

Interest paid

Annually

Transfers in

Accepted

Nationwide is also paying £175 to switch your current account.

See the switch offer

How It Stacks Up

Ranks 22nd of 47

1-year cash ISAs we track

Above average
This account 4.50%
UK CPI (Aug 2026)
3.10%
Pays 1.40% more
Average 1-year cash ISA
4.37%
Pays 0.13% more
Best 1-year cash ISA
4.92%
Pays 0.42% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: Not flexible: money you withdraw can't be replaced without using more allowance

Good to Know

No partial withdrawals. Early access means closing the whole account, with a charge equivalent to 60 days' interest.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Nationwide's Cash ISA

What you could earn with Nationwide's 1 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£45.00

At 4.5% AER

£5,000 saved

£225

At 4.5% AER

£10,000 saved

£450

At 4.5% AER

£20,000 saved

£900

At 4.5% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on Nationwide 1 Year Fixed Rate Cash ISA

Jan WatermannCo-Founder, DepositScout

Nationwide's 1 Year Fixed Rate Cash ISA pays 4.50%, which sits below the market average for cash ISAs and 0.62% behind the category leader at 5.12%. It accepts transfers in and opens with just £1, though the annual ISA allowance caps deposits at £20,000. The real catch is the one-year lock-in with no access to your money. If you want something closer to the top, Chip's Smart Cash ISA currently offers 4.56%.

Compare Cash ISAs

2 alternatives to Nationwide's 1 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 1 Year Fixed Rate Cash ISA

D

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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