Business 95 Day Saver


We currently need about four weeks to open your account. If we need more information, it may take a little longer.

Please bear with us and avoid calling in for an update.

Why choose this account?

  • Earn up to 4.30% AER/gross p.a. (variable)
    You can have your interest paid monthly or annually.
  • Pay in whenever you like
    Start with at least £5,000 (up to £10 million, maximum), and make minimum withdrawals of £500 with 95 days’ notice*.
  • Manage your account by email, post or fax
    Making it easier to operate your account and make withdrawals*.
  • No fees or charges
    We won’t charge you a penny for any of our Business Savings accounts.

*Please note: No withdrawals can be made without 95 days’ notice.

If you become a member of the Society when you open a Business Savings account with us, we need to let you know about our most recent summary financial statement and auditors' reports. You can find these published on

You can access our Review of the Year by navigating to our 'Summary Financial Statement' page where we show a summary of our accounts. By navigating to our 'Results and Accounts' page and selecting the relevant year, you can view our review of the Year and latest full annual report and accounts, which contains our auditors' report.

You can also find out what sort of personal information we'll ask you for on our 'How we use your information' page.

Nationwide Business Savings accounts aren't current accounts and can't be used for everyday transactions.

Our 95 Day Notice Account gives you the balance of earning a higher interest rate than on instant access and giving 95 days' notice before taking money out.

Summary box

Account name Business 95 Day Saver - Issue 12
What is the interest rate? You can choose to have interest paid monthly or annually.
Annual Interest AER/gross p.a. (variable) Monthly Interest AER/gross p.a. (variable)
4.30% 4.35%/4.25% 

Interest is calculated daily, and paid either annually on 31 March or monthly on the first working day of each calendar month.

Interest can be paid into the account, into your Nominated Account or any other Business Saver Account that you have with us. Please see the Business 95 Day Saver Account Specific Terms. Please see Additional Information below for further information on Nominated Accounts. We also pay interest when you close your account and we add this to the capital value of the account.

Can Nationwide change the interest rate?

Yes, the interest rate is variable. We can increase or decrease the interest rate for any of the reasons set out in the Business Saver Account Terms and Conditions.

Please see section C of the Business Savings General Terms and Conditions for details about why we may change the interest rates and how we will tell you about any rate changes.

What would the estimated balance be after 12 months based on a £10,000 deposit? This shows the balance on an initial deposit of £10,000 over 12 months where interest is either paid annually or monthly into the account.
Interest rate AER/gross p.a. (variable) Balance at end of 12 months with interest
Annual 4.30% £10,431.18
Monthly 4.35%/4.25% £10,434.59

This projection is provided for illustrative purposes only, it assumes that:

  • Interest is paid into the account.
  • No further deposits or withdrawals are made.
  • There is no change to the interest rate.
How do I open and manage my account?

To open this account you must be a:
a) Privately or publicly owned limited company incorporated in the UK;
b) Charity registered in the UK;
c) Unincorporated body (e.g. Club, Parish Council) based in the UK;
d) UK sole trader/partnership.

  • Have an annual turnover of up to £10 million.
  • Are not listed under our ineligible companies found here.

NB. You will need to set up an existing UK based business account as your nominated account. Your nominated account can’t be a Nationwide current account. This account must be in the name of your business and able to receive CHAPS payments.

You can open this account:

  • Online by visiting our Business Savings accounts page.
  • By requesting an application to be sent via post or email using the contact details via the above website.
  • You'll need at least £5,000 to open your account.
  • You'll need at least £1 to keep your account open.
  • You can make as many deposits as you want as long as the balance across for this account does not exceed £10,000,000.

You can manage your account:

  • By Post, Fax or signed PDF instruction attached to an email.
Can I withdraw money?

Yes, you can withdraw money from your account by giving us at least 95 days’ notice via post, fax or a signed PDF instruction attached to an email.

The minimum amount you can withdraw is £500.

When we receive your payment instruction you will receive confirmation of the date your funds will be released into your nominated account.

Notice starts on the day we receive complete instructions from you, provided we get them before 4pm. If we receive a notice when our office is closed or after 4pm on a working day, then we’ll process it on the next working day. If your notice expires on a day when our office isn’t open for banking business, we’ll act on your withdrawal on the next working day.

Please note that if the account balance falls below £5,000, then you won’t earn interest until the account returns to the minimum balance of £5,000.

Additional information

If there has been a transaction on your account, you will receive a full statement on the first working day of the next calendar month.

Your Nominated Account
Your nominated account is where we’ll send your money to when you make a withdrawal request. Your nominated account must be an existing UK based business account in the name of your business and be able to receive CHAPS payments. Your nominated account can’t be a Nationwide current account. Please see section B of the Business Savings General Terms and Conditions for further details.

Interest rate definitions explained

  • AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • Gross p.a. is the interest rate without tax deducted.

The tax information provided is based on our understanding of current law and HM Revenue & Customs practice, both of which may change.

The interest rate(s) is/are correct as at 25 January 2024 and the other information in the summary box is effective from 02 November 2023.

Download our Summary Box PDF

This summary box sets out the key features of the savings account. For full details, please read the account terms and conditions.

Before you apply for a Business 95 Day Saver Notice Account

Before you apply you need to read our:

We recommend you print or save a copy for future reference.

See our Opening an account page to find out how to apply. You can also print our handy checklist.

Ready to apply?


Before applying, you must carefully read our eligibility criteria. We won't accept your application if you don't meet our criteria.

If you have an existing Business Savings account, please go to our 'Additional and change of account' page.

To apply for a Business 95 Day Saver, make sure:

FSCS - Protecting Your Money

Your eligible deposits with Nationwide Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered. See the FSCS guide to how your money is protected for further information or visit

Business Savings historic rates

You can check out the historic interest rates for your business savings account.

See our business savings rates

Business Savings historic summary boxes

You can check out the historic summary boxes for your business savings account.

 See our business savings summary boxes

Get in touch

Need help with something? Choose from the options on this page, and you’ll find our dedicated teams are ready to help.

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