Features & benefits

Nationwide FlexPlus account

FlexPlus gives you more than just interest. Choose FlexPlus for great banking features as well as a range of insurance policies and account benefits for you and your family. All for £10 a month.

Exclusions and limitations apply, so please read all the insurance policies and benefit details carefully.

Here's what you'll get with FlexPlus

UK & European breakdown cover

Cover for you in any private car and anyone driving your car with permission. Plus no limit on the number of call outs you can make.

Find out more - UK & European breakdown cover

Worldwide mobile phone insurance

Worldwide mobile phone insurance for you and your family members living at the same address. No need to register your mobile up front.

Find out more - Worldwide mobile phone insurance

Worldwide family travel insurance

Worldwide travel insurance for you and your family, including winter sports, golf and business.

Find out more - Worldwide family travel insurance

Extended warranty on appliances

12 months additional warranty on eligible household electrical goods.

Find out more - Extended warranty on appliances

3% AER in-credit interest

(2.96% gross p.a.) variable on balances up to £2,500

Find out more - 3% AER in-credit interest

Commission-free cash withdrawals abroad

We won't charge you any commission for cash withdrawals made while you are abroad.

Find out more - Commission-free cash withdrawals abroad

3 month fee-free overdraft

and a £100 fee-free limit after that

Find out more - 3 month fee-free overdraft

Identity theft and emergency card assistance

Our identity theft and emergency card assistance services don't offer insurance cover but they could help you in distress situations.

Find out more - Identity theft and emergency card assistance

A Nationwide FlexPlus account also gives you...

  • Award winning online banking
  • Exclusive products and offers
  • UK-only call centres, open 24/7
  • Withdrawal of up to £500 cash per day from our ATM network
  • Contactless Visa debit card and optional cheque book
  • Free text alerts to help you manage your account
  • Access to over 750 UK wide branches
defacto 2014 added value current account logo

Our FlexPlus account is rated 5 star by Defaqto, the independent financial research and software company

Your Money - Direct Awards 2013 logo

Nationwide was named Best Online Banking Provider in the 2013 Your Money Direct Awards.

Current Account Switch Guarantee logo

Switch your current account to us in just 7 working days

See how it works - Switch your current account to us in just 7 working days

It only takes 10-25 minutes to apply online

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Useful information

About FlexPlus

About FlexPlus

Overdrafts are only open to those aged 18 or over and are subject to approval.

Nationwide subscribes to the Lending Code. For more information on the Lending Code please visit http://www.lendingstandardsboard.org.uk/. You need to be 18 or over to apply for a FlexPlus account.

How we pay interest

How we pay interest

On the last day of each month we calculate the interest you've earned each day of that month and then pay you this interest on the 1st day of the next month. We normally pay you this interest 'net' of any tax, which means we deduct any tax due and pass it to the government for you.

If you're a higher rate tax payer, you'll need to settle any extra tax through your tax return. If you don't pay tax, just download the HMRC R85 form and follow the instructions.

What does AER and Gross mean? 

What does AER mean?

AER stands for 'annual equivalent rate' and illustrates what the interest rate would be if interest were paid and compounded each year.

What does gross mean?

The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

Our FlexPlus insurance providers

Who provides our FlexPlus insurance

Worldwide Travel Insurance is provided for FlexPlus by U K Insurance Limited, Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England No:1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Worldwide Mobile Phone Insurance is arranged and administered for FlexPlus by Lifestyle Services Group Limited and underwritten by London General Insurance Company Limited.

FlexPlus Breakdown cover is provided by Britannia Rescue and is underwritten by Liverpool Victoria Insurance Company Limited.

Extended Warranty Protection is arranged and administered for FlexPlus by Lifestyle Services Group Limited and underwritten by London General Insurance Company Limited.

Identity Theft and Worldwide Emergency Card Assistance are provided for FlexPlus by Lifestyle Services Group Limited.

FSCS logo

Financial Services Compensation Scheme

Protecting your money

Find out more - Financial Services Compensation Scheme

Insurance & account benefits

Rates, fees & overdrafts

Managing your account

How to apply