FlexPlus
A packaged account providing worldwide family travel insurance, mobile phone insurance, and UK and European breakdown cover. It has an £18 monthly fee.
Current accounts
Nationwide current accounts.
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What current accounts does Nationwide offer?
Nationwide offers a variety of current accounts to suit different customer needs. These include:
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FlexDirect
An online-focused account offering 5% interest on balances and 1% cashback on debit card purchases for the first 12 months. No monthly fee applies.
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FlexAccount
An everyday banking account with no monthly fee, allowing flexible banking options.
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FlexStudent
Designed for students aged 18 or over, this account offers an interest-free arranged overdraft to assist with university expenses. No monthly fee applies.
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FlexOne
A youth account for 11 to 17-year-olds, providing interest on balances and tools to help manage money. No monthly fee applies.
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FlexBasic
A basic account for individuals without another UK current account or those who don't qualify for other accounts. It has no monthly fee but offers limited features.
Which Nationwide current account is right for me?
The right Nationwide current account depends on how you plan to use it and the features that matter most to you.
If you want a simple account for everyday banking, a standard Nationwide current account could suit you. These accounts are designed for day-to-day spending, bills and payments, and may come with no monthly account fee.
If you’d like extra benefits, Nationwide also offers packaged account options, which may include features such as insurance or other account perks for a monthly fee. These can be useful if you’ll use the benefits, but it’s worth checking whether the cover is right for your needs.
Students, graduates and younger customers may also be able to choose from dedicated Nationwide accounts designed for their stage of life.
Before applying, compare monthly fees, overdraft options, eligibility rules, in-credit interest, switching incentives and any account benefits. This can help you find the Nationwide current account that best matches how you spend, save and manage your money.
Does Nationwide have accounts with perks and rewards?
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The FlexDirect account
Offers 5% interest on balances up to £1,500 for the first 12 months, allowing you to earn up to £75.
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There is also 1% cashback
On debit card purchases up to £5 a month. You’ll need to pay in £1,000 a month to qualify.
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Earn interest on balances
Both the FlexOne and FlexStudent accounts earn interest on balances, helping young customers grow their money while managing finances.
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The FlexPlus account includes
Worldwide family travel insurance, mobile phone insurance, and UK & European breakdown cover, there is an £18 monthly fee.
Why choose a Nationwide current account?
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No monthly account fee on selected everyday current accounts
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Access to online and mobile banking through the Nationwide app
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UK branch access and cash machine withdrawals for everyday banking
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Packaged account options with extra benefits, such as insurance, for a monthly fee
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Arranged overdrafts available on selected accounts, subject to status
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Eligible accounts can be switched using the Current Account Switch Service
Am I eligible to open a Nationwide current account?
Eligibility depends on the Nationwide current account you apply for. You’ll usually need to:
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Be aged 18 or over for most adult current accounts
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Be a UK resident
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Provide proof of identity and address
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Pass Nationwide’s credit and eligibility checks, where applicable
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Meet any account-specific requirements, such as student status or income criteria
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Check whether packaged account benefits are suitable for your needs before applying
What overdraft options does Nationwide offer?
Nationwide offers arranged overdrafts with interest-free buffers on select current accounts, helping you manage short-term borrowing:
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With its FlexDirect, FlexPlus and FlexAccount
The first £50 of any arranged overdraft is interest-free in case you go a little overdrawn. After which standard rates apply.
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FlexStudent
Dedicated student account, provides an interest-free overdraft of up to £1,000 in your first year of study, up to £2,000 in your second year and up to £3,000 in your third year. Post-graduation, the account switches to a FlexGraduate that offers a reduced overdraft limit over time.
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No overdrafts are available on...
FlexOne or FlexBasic accounts. Overdrafts are subject to status, so always check eligibility before applying to avoid unexpected fees.
Can I switch to a Nationwide current account?
Yes, you can switch to a Nationwide current account and receive £175 if you meet the following criteria:
Switch a non-Nationwide account with at least two active direct debits
Close your old account as part of the switch
Complete the switch within 28 days
Within 31 days of requesting the switch, deposit £1,000 (excluding transfers from other Nationwide accounts) and make at least one debit card payment
Nationwide uses the Current Account Switch Service (CASS) to transfer payments, direct debits, and standing orders automatically. The process is designed to ensure a smooth transition with a compensation guarantee for any that occur during the switch.
How do I open a Nationwide current account?
Whether you’re looking to open your first current account or switch from another provider, the process is made simple with Nationwide:
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Choose an account
Compare current account options to find the best fit for your needs.
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Check eligibility
Ensure you meet the age and residency requirements, such as being aged 18 or over and prepared to register for internet banking.
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Apply online or in-branch
Complete the application form on Nationwide’s website or visit a branch. This includes submitting proof of identity and address.
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Wait for the switch
If Nationwide is taking care of the switch through the CASS, you can sit back and wait for instruction.
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Start banking
Receive your account details and debit card, deposit money and start using your account.
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