Payments & Transfers - Internal Transfers

Internal Transfers Explained

An internal transfer moves money from one Nationwide account to another Nationwide account. You need to set up an arrangement from your FlexAccount first. This differs from the 'Transfer Money' option as you can schedule your internal transfers up to one month in advance.

The maximum amount for each bill payment is £10,000 per request.

Information Where account details are updated overnight, this assumes that both days are working days. Account details are not updated on Sundays and Bank Holidays therefore please allow longer on these days.

Setting Up an Internal Transfer Arrangement

  • Step One - Setting up the Internal transfer
    • Click on the FlexAccount from which you want to set up the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Choose 'Internal Transfers - Set up a new arrangement'.
    • Complete the form including the account number you want to transfer to (see account number formats).
    • Click 'Set Up Arrangement'.
  • Your internal transfer arrangement will then appear on your 'Payments & Transfers' screen. To make an internal transfer, please follow the steps below:
  • Step Two - Making the Internal Transfer
    • Click on the FlexAccount from which you want to pay the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Choose 'Make a Payment' next to the internal transfer you wish to transfer money to.
    • Enter the amount and the date.
    • Click 'Make A Payment'.

    Viewing an Internal Transfer Arrangement

    • Click on the FlexAccount from which you want to view the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Click on the name of the internal transfer you wish to view from the list of internal transfers.

    Amending an Internal Transfer Arrangement

    • Click on the FlexAccount from which you want to amend the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Click on the name of the internal transfer you wish to amend from the list of internal transfers.
    • Click on 'Edit Detail'.
    • Amend the details you wish to change and choose 'Save Changes'.
    • Your details will be updated the following day.
    Information Any transfers set up for future dates will use the amended internal transfer details.

    Cancelling an Internal Transfer Arrangement

    • Click on the FlexAccount from which you want to cancel the internal transfer arrangement.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Click on the name of the internal transfer you wish to cancel from the list of internal transfers.
    • Click on 'Cancel Arrangement'.
    • Your details will be updated immediately and the arrangement removed to the Cancelled/Expired Payments section. They will be removed permanently from your records every three months.
    Information Any transfers set up for future dates will not be made.

    Information You cannot cancel an internal transfer arrangement if you have asked for a payment to go today.

    Making an Internal Transfer for Today

    • Click on the FlexAccount from which you want to make the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Choose 'Make a Payment' next to the internal transfer you wish to transfer money to.
    • Enter the amount and the date. The amount can be no more than £10,000.00.
    • Click 'Make A Payment'.
    Information The internal transfer system allows you to make unlimited same day internal transfers. You may make more than one transfer today for £10,000.00. The rules are different for future-dated internal transfers (see below).

    Making a Future Dated Internal Transfer

    • Click on the FlexAccount from which you want to make the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Choose 'Make a Payment' next to the internal transfer you wish to transfer money to.
    • Enter the amount and the future date. The amount can be no more than £10,000.00.
    • Click 'Make A Payment'.
    Information You may set up one internal transfer to an account to go out on a future date which can be up to 28 days in advance. When a future dated payment has been requested the details will be displayed under 'Change/Cancel' in the Payment Options' until the date of the transfer. You can amend the amount and date of the future dated payment up to the day before its due to be paid.

    Information If you request another future dated payment to an account which has one already scheduled, then this further request will overwrite the existing payment details. However, you can make unlimited same day payments without overwriting a scheduled future dated payment.

    Cancelling an Internal Transfer for Today

    • You cannot cancel an internal transfer payment you have asked to go today.

    Cancelling a Future Dated Internal Transfer

    • Click on the FlexAccount from which you want to cancel the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Choose 'Change/Cancel' under Payment Options next to the internal transfer you wish to cancel.
    • Click 'Cancel Payment'.

    Changing a Future Dated Internal Transfer

    • Click on the FlexAccount from which you want to change the internal transfer.
    • Choose 'Payments & Transfers' from the left hand menu.
    • Choose 'Change/Cancel' under Payment Options next to the internal transfer you wish to change.
    • Click 'Change'.
    • Amend the amount or date and 'Confirm Changes'
    Information When you change your internal transfer, the old details will clear straight away, however, the amended details will not appear until the next working day.

    You may also find these help sections useful...

    Bill Payments
    Cancelled Payments
    Direct Debits
    Paying a Standing Order into Nationwide
    Payments & Transfers
    Regular Transfers
    Standing Orders
    Transfer Money

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    Nationwide's accounts have the following formats

    • FlexAccount sort code: either 07-01-16 or 07-44-56. You should use 07-01-16 even if 07-44-56 on your cheque book or cash card.
    • FlexAccount account number: This should be 8 digits. Sometimes a FlexAccount number has 9 digits with a 6 as the first digit. If this is the case, you may need to ignore the 6 and use the following 8 digits e.g. when filling in a bank form. Where a FlexAccount number has 9 digits it will usually be presented the the 4 digit branch code or prefix e.g. 1234/612345678.
    • CashBuilder card, InvestDirect or SmartAccount card: 07-00-30.
    • Sometimes you may not recognise your account number. This is because Nationwide uses a number of different account number formats for historical reasons. Many Building Societies, ourselves included, have used 'long' account numbers but the United Kingdom clearing system has been standardised to use six digit sort codes and eight digit account numbers. Therefore any accounts where the internal format does not match these criteria but where transactions may need to be carried out via the clearing system, have also been allocated separate details which members can use for dealings with other financial institutions. It is the latter account number format which is printed on FlexAccount statements and our branches also use it to set up transfers to other Nationwide accounts.

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    Finding your account number

    Your account number appears in a number of different places.

    If you are not sure what your account number is, please check the following.

    On your card:

    • On a FlexAccount, CashBuilder, InvestDirect or SmartAccount card you will find your account number printed along the bottom of the card. Take care not to confuse this with the large card number printed in the centre as this changes every time a new card is issued.
    • If you have a Credit Card or Gold Card you will find your 16 digit account number printed across the middle of your card. It should be in the following format 44935XXXXXXXXXXX.
    On your chequebook:
    • Your 8-digit account number is printed along the bottom of your chequebook and also on the top right hand corner above the space where you fill in the date.
    On your statement:
    • For FlexAccount, CashBuilder, InvestDirect and SmartAccount your account number will appear at the top of your statement and may also contain a branch number.
    • On Credit Card and Gold Card statements your 16 digit account number appears on the top right corner and also on the detachable Bank Giro credit slip at the foot of the statement. It should be in the following format 44935XXXXXXXXXXX.
    • On Mortgage year end statement your account number will be displayed on the top left hand side.
    On your e-Savings welcome letter:
    • On your e-Savings welcome letter your 8 digit number appears in the boxed section.
    On your Savings Account Passbook:
    • If you have a Savings Account with a passbook your account number is printed on the inside of the front cover.
    On your Savings Account Bond Certificate:
    • If you have a Savings Account with a bond certificate your account number is printed on the front of your certificate.
    On Your Notice of Mortgage Rate Change:
    • On your notice of mortgage rate change letter your account number will be displayed within the 'Payment Details' box at the bottom of the page.

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