Select Credit Card and FlexAccount

The Nationwide Select Credit Card is only one of many reasons why you should make FlexAccount your main current account. Switch to FlexAccount today (which will include the Credit Card application if applicable) and you could receive your new credit card in as little as 7-10 days.

You will only be offered the Nationwide Select Credit Card if:

you are offered a FlexAccount with a Visa debit card (not cash card+); and
you agree to complete an Account Transfer from an account (non Nationwide) using our Account Transfer Service; and
you meet our lending criteria for credit cards

To continue to receive 0.5% cashback on all Sterling purchases, you must continue to pay £750 or more into you FlexAccount each month (excluding internal transfers).

FlexAccount benefits
Switch to Nationwide
How long will it take to switch?
Apply for FlexAccount & Credit Card

Our current account rewards you with more for free

FlexAccount is the current account from Nationwide which offers you one of the best everyday banking accounts with no monthly fee. Our straightforward account has one of the highest levels of satisfaction on the high street * so we’re confident you’ll enjoy banking with us.

Make it your main account and you could get free travel insurance and access to exclusive offers and discounts on other products including the Nationwide Select credit card.

All the things you'd expect...

No monthly fee
UK only call centres
Internet, telephone and branch banking
Cheque book and Visa debit card
Overdraft facility (subject to approval) including first time charge refund. Find out more about our overdraft facility

Plus, access to exclusive offers:

Free European multi-trip travel insurance

Our Nationwide Select Credit Card
(12.9% APR Representative)

Our lowest personal loan rate
(6.3% APR Representative)

How do I qualify for the offers?

Take a look at the information below to see how you can qualify for the free European travel insurance and our range of Flexclusive Nationwide product offers.

Free European travel insurance

To qualify for free European travel insurance, all you have to do is:

hold a FlexAccount with a Visa debit card (not cash card+)
agree to an Account Transfer from an account (non Nationwide) using our Account Transfer Service
be aged 18-73
to maintain free FlexAccount European travel cover, you must credit £750 or more each month into your FlexAccount (excluding internal transfers)
We will review your cover once per year

Other Flexclusive product offers

To qualify for other Flexclusive offers, you must hold a FlexAccount with a Visa debit card (not cash card+) and

Have been paying in £750 (excluding internal transfers) a month for the last three months, or;
Complete an account transfer to us (from a non-Nationwide account) using our Account Transfer Service, or have done so in the last four months

Qualifying conditions vary by offer

We make the switch for you

If you want to make FlexAccount your main account our dedicated account Transfer team will do the hard work for you. They'll contact your existing bank and transfer all of your existing Direct Debits and standing orders on your behalf. Your account could be transferred in as little as 21 days.

Apply for FlexAccount and Select credit card

Apply now

Or find out more about transferring your account to Nationwide

Notes

* Source: Nunwood Research, Service Tracker, 3 months ending August 2011.

EAR - Equivalent Annual Rate - the cost of an overdraft stated as a yearly rate, taking into account the compounding of interest, which you can use to compare rates offered by different providers.

Standard current account terms and conditions available on request. You need to be 18 or over to apply for a FlexAccount with a Visa debit card.

Nationwide FlexAccount Travel Cover is subject to eligibility, and conditions and exclusions apply. It is provided by UK Insurance Limited.

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk.

It’s easy to switch to Nationwide. And that’s a promise.

Whether you’re opening a new FlexAccount or switching to an existing one, you can request a transfer
online in minutes and we’ll handle everything for you. It couldn’t be easier and you can hold us to that
with our four point Account Transfer Promise.

View Account Transfer Promise Terms & Conditions

Ask us to manage your account transfer from a non-Nationwide account, and we’ll:

Contact all your Direct Debit companies within 10 working days. If we don't, we'll give you £100. Simply have payments to transfer and make sure we have the right information.

Refund any Nationwide overdraft charges and interest incurred due to an error in the transfer process, in the three months following the start of your account transfer. Give us a call and we’ll refund it straight away.

Keep you informed throughout via text and provide a dedicated team to help with any questions.

Check which of your providers have updated their records. We’ll be in touch if they don’t and let you know what you need to do.

Representative Example:

After the three months, the interest charge is not refundable under the promise.

If you have an agreed overdraft of £1,200 the interest rate we will charge you is 18.9% EAR (variable).

Apply for FlexAccount and Select credit card

Apply now

Or see all the reasons why you should switch to Nationwide

Notes

* Source: Nunwood Research, Service Tracker, 3 months ending August 2011.

EAR - Equivalent Annual Rate - the cost of an overdraft stated as a yearly rate, taking into account the compounding of interest, which you can use to compare rates offered by different providers.

Standard current account terms and conditions available on request. You need to be 18 or over to apply for a FlexAccount with a Visa debit card.

Nationwide FlexAccount Travel Cover is subject to eligibility, and conditions and exclusions apply. It is provided by UK Insurance Limited.

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk.

How long will it take?

Once you have completed your online application, we'll handle the transfer, and it can take as little as three weeks to transfer your direct debits, standing orders and bill payments. Below is a timeline explaining what happens when.

Days

1-3

Request list of Direct Debits and standing orders:
We will request a list of your Direct Debits and standing orders from your old bank/building society within 24 hours of receiving your request (or on your transfer date, if specified).

Days

4-7

Existing bank/building society provide list within 4 days:
Your old bank/building society should provide a list of your existing Direct Debits and standing orders within 4 days.

Days

8-10

Set up standing orders and Direct Debits:
We will set up your standing orders and contact the companies you pay Direct Debits to.

Days

11-21

Direct Debits updated:
The companies you pay Direct Debits to will update their records - we would recommend that you check with these companies to make sure they've got your new details.

Apply for FlexAccount and Select credit card

Apply now

Or find out more about transferring your main current account to Nationwide

Notes

* Source: Nunwood Research, Service Tracker, 3 months ending August 2011.

EAR - Equivalent Annual Rate - the cost of an overdraft stated as a yearly rate, taking into account the compounding of interest, which you can use to compare rates offered by different providers.

Standard current account terms and conditions available on request. You need to be 18 or over to apply for a FlexAccount with a Visa debit card.

Nationwide FlexAccount Travel Cover is subject to eligibility, and conditions and exclusions apply. It is provided by UK Insurance Limited.

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk.

Apply for FlexAccount and Nationwide Select Credit Card now

Apply for a FlexAccount and Nationwide Select Credit Card in 2 easy steps:

Complete FlexAccount application: When you reach the 'Other account details screen' you must answer "Yes" when asked if you want to use FlexAccount as your main account.
Receive credit card offer and apply: Providing you have met our criteria below the last page of the FlexAccount application will offer you the Select Credit Card and specify the credit limit we're willing to offer you. You'll then need to fill in just a few more details.

You will only be offered a Nationwide Select Credit Card if:

you agree to complete an Account Transfer from an account (non Nationwide) using our Account Transfer Service; and
you are offered a FlexAccount with a Visa debit card (not cash card+); and
you meet our lending criteria for credit cards

Representative Example:

12.9% APR Representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 12.9% p.a. (variable)

How long will it take?

You will need about 15 minutes to complete our secure application form.

What will I need?

Address details for the last 3 years
employment details i.e. employer's name and address
sort code and account number of your current bank/building society

Important information

Please take some time to read: Nationwide current account agreement, declaration and charitable assignment and Nationwide Select Credit Card terms & conditions
Latest FlexAccount interest rates and charges
View the Nationwide Select Credit Card summary box
Do you already have a Nationwide credit card?
If so, unfortunately you will not be eligible for the introductory offers. However you can still switch cards by calling Credit Card Services on 08457 99 88 99.
Have you closed a Nationwide credit card in the last 12 months?
If so, unfortunately you will not be eligible for the introductory offers. However you can still apply for a new card and enjoy all the other benefits.

Do you already use our internet banking?

Yes (Applying through the internet bank will make your application quicker and easier)
No (You'll have a chance to register for internet banking if your application is successful)

Apply for FlexAccount and Select credit card

Apply now

Or find out more about all the benefits of a Nationwide Select Credit Card

Apply for FlexAccount and Select credit card

Apply now

Or find out more about all the benefits of a Nationwide Select Credit Card

Apply for FlexAccount and Select credit card

Apply now

Or find out more about all the benefits of a Nationwide Select Credit Card

Notes

* Source: Nunwood Research, Service Tracker, 3 months ending August 2011.

EAR - Equivalent Annual Rate - the cost of an overdraft stated as a yearly rate, taking into account the compounding of interest, which you can use to compare rates offered by different providers.

Standard current account terms and conditions available on request. You need to be 18 or over to apply for a FlexAccount with a Visa debit card.

Nationwide FlexAccount Travel Cover is subject to eligibility, and conditions and exclusions apply. It is provided by UK Insurance Limited.

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit www.lendingstandardsboard.org.uk.

Other ways to apply:

In branch

Find your local branch

By phone

Call 0800 121 6939
Mon - Fri: 8am-8pm
Sat & Sun: 9am-5pm

Ready to apply? It's quick and easy online...

Apply now

Or find out more about all the benefits of a Nationwide credit card

*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 2.95% (minimum £5.00).

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk/.