Nationwide

Nationwide is the world’s largest building society. It’s a mutual organisation, meaning it is owned by its customers.

It can trace its history back to 1846, and exists in its current form as the result of more than a hundred mergers. Its headquarters are in Swindon.

Nationwide offers a full range of banking products, including current accounts, savings accounts, personal loans, mortgages and credit cards. It also offers home insurance, underwritten by RSA, and life insurance, underwritten by Legal and General.  

Nationwide
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Gold ribbon: first place

Bank accounts

Ranked 3rd of 30 providers reviewed.

Customer happiness score 71.33%
Customer trust score 69.34%
Complaints performance 69.83%
Transparency rating 82.42%
Fairer Finance score
Reviewed Autumn 2023
73%
Gold ribbon: first place

Credit cards

Ranked 1st of 34 providers reviewed.

Customer happiness score 67.51%
Customer trust score 67.66%
Complaints performance 70.84%
Transparency rating 79.87%
Fairer Finance score
Reviewed Autumn 2023
71%
Most transparent
Gold ribbon: first place

Home emergency cover

Ranked 8th of 35 providers reviewed.

Customer happiness score 56.57%
Customer trust score 67.37%
Complaints performance 66.97%
Transparency rating 69.87%
Fairer Finance score
Reviewed Autumn 2023
65%
Highest claims satisfaction
Gold ribbon: first place

Home insurance (building and contents)

Ranked 6th of 46 providers reviewed.

Customer happiness score 64.85%
Customer trust score 69.86%
Complaints performance 66.59%
Transparency rating 78.84%
Fairer Finance score
Reviewed Autumn 2023
70%
Gold ribbon: first place

Investing and pensions

Ranked 8th of 27 providers reviewed.

Customer happiness score 58.18%
Customer trust score 75.93%
Complaints performance 80.07%
Transparency rating 55.85%
Fairer Finance score
Reviewed Autumn 2023
68%

Life insurance

Ranked 21st of 24 providers reviewed.

Claims score 71.00%
Complaints performance 85.31%
Transparency rating 54.89%
Fairer Finance score
Reviewed Autumn 2023
70%
Gold ribbon: first place

Mortgages

Ranked 2nd of 23 providers reviewed.

Customer happiness score 67.29%
Customer trust score 62.48%
Complaints performance 78.95%
Transparency rating 82.25%
Fairer Finance score
Reviewed Autumn 2023
73%
Most transparent
Gold ribbon: first place

Personal loans

Ranked 1st of 27 providers reviewed.

Customer happiness score 70.76%
Customer trust score 68.62%
Complaints performance 69.9%
Transparency rating 82.55%
Fairer Finance score
Reviewed Autumn 2023
73%
Clearest communications
Most transparent
Gold ribbon: first place

Savings Accounts

Ranked 15th of 53 providers reviewed.

Customer happiness score 60.94%
Customer trust score 68.36%
Complaints performance 69.9%
Transparency rating 79.54%
Fairer Finance score
Reviewed Autumn 2023
70%

Bank accounts

Basic bank accounts

Nationwide

FlexBasic

4 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Bankers draft/cheque fee i Not available
Unpaid transaction fee i
Faster Payment limit i £100,000.00
Maximum cash machine withdrawal per day i £500.00
Can you use your card to pay for items overseas? i

Current accounts

Nationwide

FlexAccount

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Nationwide

FlexDirect

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Nationwide

FlexPlus

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Nationwide

FlexStudent

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Nationwide

FlexDirect

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Nationwide

FlexAccount

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Nationwide

FlexBasic

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Nationwide

FlexDirect (First 12 months)

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 0%

Nationwide

FlexPlus

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Nationwide

FlexDirect

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Nationwide

FlexAccount

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Premium bank accounts

Nationwide

FlexPlus

5 stars
Add-ons, cashback and rewards i UK & European Breakdown cover, mobile phone insurance for holder and family, worldwide travel insurance (including winter sports) for holder and family.
Part of FSCS or international equivalent i

Student bank accounts

Nationwide

FlexStudent

5 stars
Arranged overdraft limit i £3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Children's Accounts

Children's Bank Accounts

Nationwide

FlexOne

Minimum Age i 11
Interest Rate (AER) First Tier i 2%
Maximum Balance First Tier of Interest Covers i £1,000.00
Maximum Age i 17
Interest Rate (AER) Second Tier i
Maximum Balance Second Tier of Interest Covers i
Interest Rate (AER) Third Tier i
Maximum Balance Third Tier of Interest Covers i
Maximum Cash Withdrawal i £300.00
Ability to freeze or report a card lost via app? i
Rewards i
Additional information i A choice of a cash card or debit card.
Cash Transaction Fee i 0%
Cash Withdrawal Fee i £0.00
Card Delivery Fee i £0.00
Replacement Card Fee i £0.00
Foreign Cash Withdrawal Fee i 0
Foreign Transaction Fee i 0%

Children's Savings Accounts

Nationwide

FlexOne Saver

Account Type i Easy Access
Interest Rate (AER) i 5%
Minimum Opening Balance i £0.00
Maximum Balance i £5,000.00
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 11
Maximum Age i 17
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i Requires a FlexOne current account
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Credit cards

0% balance transfer credit cards

Nationwide

Member Credit Card with Balance Transfer offer

4 stars
Duration of 0% balance transfer offer period i 18 months
Balance transfer fee during promotional period i 1.5%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.5%
Representative balance transfer rate i 1.87%
Risk based? i

Nationwide

Member Credit Card with All Rounder Offer

4 stars
Duration of 0% balance transfer offer period i 15 months
Balance transfer fee during promotional period i 1.5%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.5%
Representative balance transfer rate i 1.87%
Risk based? i

0% purchase credit cards

Nationwide

Member Credit Card with All Rounder Offer

5 stars
Duration of purchases offer period i 15 months
Representative APR i 24.9%
Highest APR i 24.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.87%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Nationwide

Member Credit Card with Balance Transfer offer

3 stars
Duration of purchases offer period i 3 months
Representative APR i 24.9%
Highest APR i 24.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.87%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Foreign use credit cards

Nationwide

Member Credit Card with Balance Transfer offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.5%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.87%

Nationwide

Member Credit Card with All Rounder Offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.5%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.87%

Home emergency cover

Nationwide

Home Emergency Cover

3 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £500.00
Unoccupied period i Not Mentioned
Claims limit i Unlimited

Home insurance (building and contents)

Nationwide

Home Insurance (more than £50,000 contents cover)

4 stars
Theft from outbuildings i Limit specified in policy schedule
Matching sets (contents) i Optional
Alternative accommodation cover limit for buildings i £50,000.00
Protection against inflation (Buildings)
Contents cover limit i Unlimited
Money in the home i £1,000.00
Visitor's possessions i £750.00
Office equipment i £10,000.00
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Alternative accommodation cover limit for contents i £30,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £50.00
Flood excess i £50.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i Limit shown in your policy schedule
Replace belongings new for old i

Nationwide

Home Insurance (up to £50,000 contents cover)

4 stars
Theft from outbuildings i Limit specified in policy schedule
Matching sets (contents) i Optional
Alternative accommodation cover limit for buildings i £50,000.00
Protection against inflation (Buildings)
Contents cover limit i £50,000.00
Money in the home i £750.00
Visitor's possessions i £1,000.00
Office equipment i £3,000.00
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Alternative accommodation cover limit for contents i £15,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £50.00
Flood excess i £50.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £2,000,000.00
Liability as a tenant i Limit shown in your policy schedule
Replace belongings new for old i

Nationwide

Home Insurance (more than £50,000 contents cover and with optional matching sets cover)

4 stars
Theft from outbuildings i Limit specified in policy schedule
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £50,000.00
Protection against inflation (Buildings)
Contents cover limit i Unlimited
Money in the home i £1,000.00
Visitor's possessions i £750.00
Office equipment i £10,000.00
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Alternative accommodation cover limit for contents i £30,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £50.00
Flood excess i £50.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i Limit shown in your policy schedule
Replace belongings new for old i

Nationwide

Home Insurance (up to £50,000 contents cover and with optional matching sets cover)

4 stars
Theft from outbuildings i Limit specified in policy schedule
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £50,000.00
Protection against inflation (Buildings)
Contents cover limit i £50,000.00
Money in the home i £750.00
Visitor's possessions i £1,000.00
Office equipment i £3,000.00
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Alternative accommodation cover limit for contents i £15,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £50.00
Flood excess i £50.00
Escape of water excess (minimum) i £500.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £2,000,000.00
Liability as a tenant i Limit shown in your policy schedule
Replace belongings new for old i

Buildings insurance

Nationwide

Home Insurance (more than £50,000 contents cover and with optional matching sets cover)

4 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £500.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £50.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (up to £50,000 contents cover and with optional matching sets cover)

4 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £500.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £50.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (more than £50,000 contents cover)

3 stars
Matching sets (Buildings) i Optional
Frozen pipes i
Escape of water excess for buildings i £500.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £50.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (up to £50,000 contents cover)

3 stars
Matching sets (Buildings) i Optional
Frozen pipes i
Escape of water excess for buildings i £500.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £50.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Nationwide

Home Insurance (more than £50,000 contents cover and with optional matching sets cover)

5 stars
Matching sets (contents) i
Theft from outbuildings i Limit specified in policy schedule
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (up to £50,000 contents cover and with optional matching sets cover)

4 stars
Matching sets (contents) i
Theft from outbuildings i Limit specified in policy schedule
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (more than £50,000 contents cover)

4 stars
Matching sets (contents) i Optional
Theft from outbuildings i Limit specified in policy schedule
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (up to £50,000 contents cover)

4 stars
Matching sets (contents) i Optional
Theft from outbuildings i Limit specified in policy schedule
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Personal loans

Nationwide

Personal Loan

Representative APR (on £5,000 loan, 36 month term) 7.9%
Unpaid Repayment Fee i £0.00
Early settlement fee (Days interest) 0 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing length 60 months

Savings Accounts

1 Year Fixed Rate Accounts

Nationwide

1 Year Fixed Rate Branch Bond

Interest Rate (AER) i 4.25%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i Earlier access costs 90 days interest

Nationwide

1 Year Fixed Rate Online Bond

Interest Rate (AER) i 4.25%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

2 Year Fixed Rate Accounts

Nationwide

2 Year Fixed Rate Branch Bond

Interest Rate (AER) i 4%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i Earlier access costs 180 days interest

Nationwide

2 Year Fixed Rate Online Bond

Interest Rate (AER) i 4%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

Easy Access Accounts

Nationwide

1 Year Triple Access Online Saver 15

Interest Rate (AER) i 4.25%
Balance Tiers i 2.15% from £1
Minimum Opening Balance i £0.00
Withdrawal Penalty i If less than 4 withdrawals are made per year a higher rate will be paid
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i This account will become the Triple Access Online Saver after 12 months.
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Nationwide

Instant Access Saver Issue 11

Interest Rate (AER) i 2.3%
Balance Tiers i 2.25% from £1, 2.30% from £10,000, 2.35% from £50,000
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Nationwide

Flex Instant Saver

Interest Rate (AER) i 3.25%
Balance Tiers i
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Regular Savers

Nationwide

Flex Regular Saver Issue 3

Interest Rate (AER) i 2.15%
Maximum Balance i Unlimited
Withdrawal Penalty i
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £200.00
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Notice Period i
Fixed Term Length i
Additional Information i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Nationwide

1 Year Fixed Rate ISA

Interest Rate (AER) i 4.5%
Minimum Opening Balance i £1.00
What happens at maturity? i Before the account matures, your provider will send you a notification. If no instructions are given, the funds in the account will be transferred to a variable rate account until further instructions or withdrawal.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Early access will close the account and incur 90 day loss of interest.
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

2 Year Fixed Rate ISAs

Nationwide

2 Year Fixed Rate ISA

Interest Rate (AER) i 4.2%
Minimum Opening Balance i £1.00
What happens at maturity? i Your provider will send you a notification before the account matures. In the absence of instructions, the funds in the account will be transferred to a variable rate account until further instructions or withdrawal.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Early access will close the account and incur 180 day loss of interest.
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Easy Access ISAs

Nationwide

1 Year Triple Access Online ISA 14

Interest Rate (AER) i 4.25%
Minimum Opening Balance i £1.00
Part of FSCS i
Withdrawal Penalty i If less than 4 withdrawals are made per year a higher rate will be paid
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i