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Account Details |
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Access By: |
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Branch |
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Post |
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Post Office |
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Telephone |
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Internet |
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Digital TV |
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WAP |
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Availability Information: |
Available to UK residents aged 16 or over. Customers must be 18 or over to apply for an overdraft.
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Minimum Income Required: |
No minimum.
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Free Banking If In Credit: |
Yes
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Service Charge: |
None
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Packaged Account: |
No
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Investment Conditions: |
Internal transfers from Nationwide accounts will not count towards the monthly credit total.
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Withdrawal Access: |
Instant access.
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Benefits And General Notes: |
Benefits include:
Customers can receive £75 cashback when they switch their current account to a FlexAccount and take out one of the below Nationwide products:
- Combined buildings and contents home insurance.
- Personal loan.
- Family Life Insurance Plan.
- Guaranteed Equity Bond.
Please see provider for terms and conditions.
Access to Nationwide's e-Savings account, an instant access savings facility attached to the FlexAccount and operated online only.
Statements are issued monthly. Customers can choose which day of the month they want the statement to be issued on.
Interest is paid annually on 31st December.
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Facilities |
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Multi Function Card: |
A 3 in 1 Visa debit card.
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Cash Card: |
Yes
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Debit System: |
Visa Delta.
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ATM and Cash Withdrawal Notes: |
Withdraw up to £300 per day from over half a million cash machines in the UK and around the world displaying the Visa/Cirrus symbol. You must have available funds in your account or an authorised overdraft. If you require more than £300, you must give Nationwide a minimum of 48 hours notice. Nationwide do not charge members for using any cash machines, but the provider may make charges over which Nationwide have no control.
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Cheque Guarantee Card: |
£100 guarantee limit.
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Cheque Book: |
Yes
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Standing Orders / Direct Debits: |
Both facilities are available.
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Borrowing |
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Overdraft Facility: |
Yes
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Authorised Overdraft Arrangement Fee: |
Nil
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Authorised Usage Fee: |
Nil
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Fee Free Overdraft Limit: |
None
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Interest Free Overdraft Limit: |
£0
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Authorised Overdraft Interest (pm/EAR): |
18.9% EAR
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Unauthorised Overdraft Interest (pm/EAR): |
18.9% EAR
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Unauthorised Overdraft Fees: |
£20 per month.
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Other Information: |
Guaranteed payments that cause an unauthorised overdraft or that cause the account to exceed an overdraft limit will be subject to a £21.50 card misuse fee.
Items returned unpaid due to insufficient funds are subject to a charge of £30.
Other Charges
Special cheque clearance: £12.
CHAPS (electronic transfer of funds): £20.
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