Is the 4% Single Access ISA better than an easy access account?

It suits savers who want a solid rate and limited access within the ISA wrapper. An easy access account may allow more frequent withdrawals but interest is taxable above your allowance. If tax efficiency matters and you can accept some access limits, the Single Access ISA is compelling.

Can I transfer an existing cash ISA into these Nationwide deals?

Usually yes, but check if transfers-in are allowed for the specific product and whether early exit penalties apply on your current ISA. Use the provider’s transfer process to keep tax benefits intact. Always confirm timelines so funds arrive before the 5 April deadline.

What if rates fall after I open a fixed-rate ISA?

A fixed-rate ISA locks your rate for the full term, so your return is protected if market rates drop. Variable accounts, like Single Access, can change. If you want some protection and some flexibility, consider splitting money between fixed and variable options to balance outcomes.

How is interest paid on these Nationwide ISAs?

Cash ISA interest is quoted as AER. Payment frequency and compounding depend on product terms. Some accounts pay annually, and some offer monthly options. Check the summary box before applying. If you need steady income, choose a monthly interest option. Otherwise, annual compounding can be simpler for savers.

Global Market Insights

Nationwide ISAs March 7: New 4% Single Access, 4.25% Five-Year

ByDanny Kontos March 8, 2026March 8, 2026

Nationwide new savings account options just arrived for UK savers. From 7 March, the building society launched a 1‑Year Single Access ISA and a matching Saver at 4.00%, while raising fixed-rate ISA deals to 4.05%–4.25%. These Nationwide ISA rates are close to the top among major providers and land weeks before the 5 April ISA deadline. We break down the Single Access ISA, the Fixed-rate ISA 4.25% five-year offer, and practical steps to make the most of your tax-free allowance.