Cash ISA

Nationwide 3 Year Fixed Rate Cash ISA Review

A three-year cash ISA from Nationwide. It ranks 15th of 28 three-year cash ISAs we track.

Fixed rate · 3 years

4.65%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£20,000

Access

At maturity only

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 15th of 28

3-year cash ISAs we track

Just above average
This account 4.65%
UK CPI (Aug 2026)
3.10%
Pays 1.55% more
Average 3-year cash ISA
4.61%
About the same
Best 3-year cash ISA
5.11%
Pays 0.46% less

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

Compare cash ISAs

Pros and cons

  • Pro: New and existing savers
  • Con: Your money is locked in for 3 years

Good to Know

Early closure requires closing the full account and incurs a charge equivalent to 180 days' interest; no charge applies if cancelled within 14 days.

Please verify all details with the provider – see our Disclaimer

See all Nationwide accounts

Estimated returns with Nationwide's Cash ISA

What you could earn with Nationwide's 3 Year Fixed Rate Cash ISA.

Estimated interest

£1,000 saved

£146

At 4.65% AER

£5,000 saved

£730

At 4.65% AER

£10,000 saved

£1,461

At 4.65% AER

£20,000 saved

£2,922

At 4.65% AER

Estimated over the 36-month term, 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 3 Year Fixed Rate Cash ISA

Jonny PeaseCo-Founder, DepositScout

Nationwide's 3 Year Fixed Rate Cash ISA pays 4.65%, which sits near the market average for cash ISAs and is 0.47% behind the category leader at 5.12%. It beats inflation by 1.55 percentage points against August 2026 CPI of 3.1%, so your money does grow in real terms. The main catch is the £20,000 maximum and no access until maturity, so this suits savers who can lock away a lump sum for three years and want the reassurance of a big-name provider.

Compare Cash ISAs

2 alternatives to Nationwide's 3 Year Fixed Rate Cash ISA

Same type of account, closest on rate.

Common questions about the 3 Year Fixed Rate Cash ISA

D

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4.75%
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