Taking money out
Branch
There are over 750 Nationwide branches across the UK where you can access your money.
At your branch you can do the following.
- Withdraw cash and cheques
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As long as you have enough in your account you can withdraw up to £500 a day at your local branch. If you need more than £500, please give your branch at least 48 hours notice. (Your request may take up to 72 hours - but we recommend checking with your branch beforehand).
For more information, see our card withdrawals page.
- Pay your bills
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You can arrange to pay bills and transfer money at any Nationwide branch. You will only be able to pay bills at our branch counters (except payments to Nationwide, for example, payments to your Nationwide credit card) if you have set up an electronic Bill Payment. For information on how to do this please see our Internet Banking Demo.
Nationwide cash machines
Our cash machines allow you to do much more than just withdraw cash, all available free of charge. Use our Branch Finder to find your nearest cash machine.
At cash machines you can do the following.
- Withdraw cash
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As long as you have enough in your account you can use your Visa debit card to withdraw up to £300 in any one day from over one million cash machines in the UK and around the world which display the Visa symbol. Please note that cash card+ cannot be used to withdraw cash overseas.
We do not charge you for using UK cash machines, but the machine provider may make charges over which we have no control. Charges apply on non-sterling transactions.
- Pay your bills
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You can pay your bills at all of our cash machines. To do this, you just need to set up the account or company you want to pay and the amount using Internet Banking or by asking one of our customer advisors.
- Top-up your mobile phone
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It's easy and quick to add credit to your mobile phone using any Nationwide branch cash machine. You only need your card and the phone number of the phone you would like to top-up.
- Print a mini statement
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You can print out your most recent transactions from any of our cash machines.
- Change your PIN
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If you would like to change your PIN to a number that is easy for you to remember, you can do so at any Nationwide cash machine. Remember, you should never write your PIN down or tell anyone else the number.
Internet Bank
As well as managing your money when and where you like, with our Internet Bank you can do the following.
- Make transfers and pay bills
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You can make a maximum single payment of £10,000 from your FlexAccount using the Internet Bank. If you need to pay more, you can make further single payments until you reach the required amount. There are no limits on how many times you make a maximum single payment, subject to the availability of funds and the cumulative faster payment limits.
Telephone Banking
Telephone Banking is a simple and quick way to manage your FlexAccount on the move. It's available 24 hours a day, for the cost of a local phone call, and is even available when you're overseas.
- With Telephone Banking you can:
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- check your account balance;
- review recent transactions;
- transfer money to your other Nationwide accounts; and
- pay your bills.
For more information on how to use the service, view our .
Visa debit card / cash card+
Our cards provide an easy way for you to use your account.
- Benefits of our Visa debit card
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You can:
- buy goods and services anywhere you see the Visa symbol (including online purchases), as well as getting cashback at certain UK stores
- withdraw cash or check your balance at cash machines
- withdraw cash at any Post Office® branch.
We do not charge you for using UK cash machines, but the machine provider may make charges over which we have no control. Charges apply on non-sterling transactions.
- Benefits of our cash card+
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You can:
- buy goods and services anywhere you see the Visa symbol (including online purchases), as well as getting cashback at certain UK stores.
- withdraw cash or check your balance at cash machines in the UK – please note that cash card+ cannot be used to withdraw cash overseas
- withdraw cash at any Post Office® branch.
We do not charge you for using UK cash machines, but the machine provider may make charges over which we have no control. Charges apply on non-sterling transactions.
- How to upgrade
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If you have a cash card+ and would like to upgrade your account, please visit a to apply.
Overdrafts
A Nationwide overdraft allows you to manage your money without you having to pay any unnecessary costs. To ensure you have more control over your overdraft, you can check the reserve limit on your overdraft using the Internet Bank. The reserve limit is the amount up to which we are prepared to pay transactions above your agreed overdraft limit. Charges will apply for items paid above your agreed overdraft limit. We will return unpaid (bounce) any transactions which will take you over your reserve limit and unpaid item charges will apply.
To give you more control over your overdraft, you will also be able to remove your reserve limit using our secure Internet Bank.
- How can I change my overdraft?
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- Sign on to the Internet Bank.
- Click on your FlexAccount (current account).
- Click on Overdraft from the menu on the left-hand side of the screen.
- Your agreed overdraft limit will be shown under the heading Available Limit.
- To change your limit, please follow the onscreen instructions on the screen under the heading Change limit. If you have reached the maximum overdraft limit we can provide, we will give you the option to reduce your limit under this heading.
We will tell you straight away if we have accepted your request and for what amount. In some circumstances we may need more time to consider your request. This can take up to 48 hours.
Or, you can ring our Customer Service Centre on 08457 30 20 10 or contact your local . It is important to get our agreement to an overdraft before you use it, in order to avoid higher interest and charges.
We take our responsibilities as a lender seriously. Find out about , or ask in branch for a copy of our responsible lending statement.
Remember, you should consider all borrowing options carefully and seek independent advice where necessary.