No monthly fee & FREE European multi-trip travel insurance.
That's FlexAccount
A current account that gives you extra flexibility
This account could be right for you if you're looking for an account with no monthly fee that gives you access to free European & UK multi-trip travel insurance (conditions apply) and you prefer to use a full range of methods for managing your money.
What you'll get with FlexAccount
- No monthly fee
- No overdraft interest for first 3 months on agreed overdrafts 1
- Access to exclusive product offers for main current account customers
- A cheque book option
- UK-only call centres, ready to help 24 hours a day
You're backed by our Digital Banking Promise
If you lose money as a result of fraud through our digital banking services, we'll put the money back in your account immediately. This means that you won't lose a penny if we find that you have been a victim of fraud.
Paul Cooper, Head of Internet Banking
Digital banking services include Internet and Mobile Banking.
If you lose money as a result of fraud through our digital banking services, we'll put the money back in your account immediately, providing that:
- You have not given to someone else your memorable data or passnumber that you use to access our online or mobile banking services
- You have complied with the security data obligations contained within our online and mobile banking terms and conditions
- You have provided the correct payment instructions
- You did not authorise the transaction
- The fraud has not occurred as a result of you using an account aggregation service that consolidates information from each of your financial accounts into one place such as a single website
…plus FREE 5 star Defaqto rated European multi-trip travel insurance when you make your FlexAccount your main account
Sound good? Ok, here's how it works. If you're aged 16-73 and you make your FlexAccount your main account, we'll automatically send you a FlexAccount Travel Cover Declaration to complete. Once you return this to us we will set up your free travel insurance and send you a Certificate of Insurance. It's as simple as that.
Travel insurance conditions and how to make your FlexAccount your main account
Learn about switching to us
Offers and rewards for current account customers
You could pick up some great deals and rewards as a Nationwide current account holder. It's our way of saying thank you.
Nationwide Select Credit Card
Commission-free purchases abroad with Nationwide Select Credit Card (12.9% APR Representative - variable).
More about Select Credit Card 
Personal Loans
Our lowest personal loan rate (5.9% APR Representative – fixed) for loans of £7,500 to £14,999 for up to 5 years.
Get a personal loan quote 
Simply Rewards
Great offers on big brands with Simply Rewards for Visa debit or credit card customers.
Visit Simply Rewards 
Flexclusive Saver
A branch-based instant access account exclusively to reward our main current account customers.
More about Flexclusive Saver 
£50 off car insurance
Enjoy £50 off your car insurance when you buy a new policy (terms and conditions apply).*
How to claim this offer How to qualify for the offers
To get access to our range of Flexclusive offers you must either:
- Hold a FlexAccount with a Visa debit card (not cash card or cash card+) and:
- Have been paying in £750+ a month (excluding internal transfers) for the last 3 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 4 months; or
- Hold a FlexDirect or FlexPlus account.
Qualifying conditions vary by offer.
For the personal loan offer, the account transfer must be requested via branch or telephone and the account must be eligible for an overdraft.
Credit cards are only available to those aged 18 or over and personal loans are available to those aged 18 to 79 only. Availability of both credit cards and loans also depend on your circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
* Car insurance discount: This offer is for your first year of cover only and is valid for quotes given until 31/07/2013. Only one offer is valid per new policy and we have the right to change the terms and conditions and to withdraw the offer at any time. This discount cannot be used in conjunction with any other offer. Nationwide Building Society acts as an Introducer to Liverpool Victoria Insurance Company Limited for car insurance. Liverpool Victoria Insurance Company Limited are authorised and regulated by the Financial Services Authority.
1 Please note that overdrafts are only open to those aged 18 or over and are subject to approval. To be eligible for the 3 month interest-free overdraft on our FlexAccount, all we ask is that you use our Account Transfer Service to switch your existing Direct Debits and standing orders when you open your new account. When you apply we’ll ask you for the details of the bank account you want to switch. Don’t worry, switching to us is easy, and we can manage it for you. More on switching.
FlexAccount travel insurance is provided for Nationwide by U K Insurance Limited.
Nationwide subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk/. You need to be 16 or over to apply for a FlexAccount.
Why Nationwide?
We are proud to have one of the highest levels of customer satisfaction on the high street. To make sure we keep it, we like to listen to our customers and regularly share how we're doing. This helps us focus on you.
But don't just take our word for it...
Independently recommended
Recommended current account provider by Which?
5 Star rated - again:
Our FlexAccount is rated 5 star by Defaqto, the independent research company for the 8th year in a row.
FSCS - Protecting your money. Find out more
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 protection scheme. This limit is applied to the total of any deposits you have with the following: Nationwide Building Society, Cheshire Building Society, Derbyshire Building Society, Dunfermline Building Society and Nationwide UK (Ireland). Any total deposits you hold above the £85,000 limit between these brands are not covered.
Please click here for further information or visit www.fscs.org.uk