Taking money out
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You can withdraw up to £500 a day at your local branch, as long as you have enough money available in your account or an authorised overdraft. 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. -
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.
Branch
There are over 750 Nationwide branches across the UK where you can access your money.
At your branch you can do the following.
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As long as you have enough in your account you can 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 or Cirrus symbol.
We do not charge you for using UK cash machines, but the machine provider may make charges over which we have no control. We will pass on a Visa charge for foreign transactions. More info. -
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.
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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.
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You can print out your most recent transactions from any of our cash machines.
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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.
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.
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You can make a single payment of up to £10,000 from your FlexAccount using the Internet Bank. If you need a higher amount, you can make extra payments of up to £10,000 each on the same day to meet the amount you need. For regular payments (standing orders) each payment is limited to £9,999.99.
Internet Bank
As well as managing your money when and where you like, with our Internet Bank you can do the following.
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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 User Guide (PDF 119KB).
Register here
Telephone Self Service
Our Telephone Self Service 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.
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You can:
- withdraw cash or check your balance at cash machines,
- withdraw cash at any Post Office® branch;
- guarantee cheques up to £100; and
- buy goods and services anywhere you see the Visa symbol (including online purchases), as well as getting cash back at certain UK stores.
We do not charge you for using UK cash machines, but the machine provider may make charges over which we have no control. We will pass on a Visa charge for foreign transactions. More info. -
If you would like to upgrade your FlexAccount and have a Visa debit card, please visit your local branch to apply.
Debit card
A Nationwide Visa debit card provides an easy way for you to deal with your account.
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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 branch. It is important to get our agreement to an overdraft before you use it, in order to avoid higher interest and charges.
Overdrafts
A Nationwide overdraft allows you to manage your money without you having to pay any unnecessary costs. As long as you stay within your authorised limit, you can use your overdraft whenever you need to without paying charges. The interest rate we charge is competitive - view our Overdraft calculator to find out how you could be better off.
We take our responsibilities as a lender seriously. For details of our approach as a responsible lender, as well as our expectations of you as a responsible borrower, click here 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.