How does it work?

  • If you're a Nationwide current account holder*, you can recommend your friends and family.
  • You give us a few details about you and about your friend.
  • We'll email you with more information about the offer which you can forward to your friend as they must complete their switch to us within 90 days of your recommendation. 
  • Your friend can apply online, or they can go to a branch or call us on 0800 30 20 10.
  • Then your friend needs to open a FlexAccount, FlexDirect or a FlexPlus account AND complete a full account transfer using the Current Account Switch Service - This will close their old account. A minimum of two Direct Debits must be transferred as part of their switch.
  • You and your friend will then each have £100 put into your current accounts by the 20th day of the month following the month your friend has switched to us.

Any questions?

Customers that have previously been referred by their friends between 1 July 2015 and 31 July 2015 can still complete a qualifying account switch after 31 August to receive the £100 increased value.
Customers that have been referred by their friends before 1 July 2015 that then complete a qualifying account switch will receive the £50 standard value unless another recommendation is made.

As well as your details, including your Nationwide current account sort code and account number so we can make your payment, you’ll need your friend’s first name, surname, date of birth and email address. These details are used to match your friend’s details with the correct application. Please ensure you have your friend's permission to pass us these details.

You can recommend as many friends as you'd like, and they will each receive £100, but we will only pay you a maximum of £1000 in any 12-month period.

No, we won’t contact your friends to tell them you’ve recommended them, so please let them know by forwarding on the email we send you as they must complete their switch to us within 90 days of your recommendation.

The payment will not be made until your friend's account switch has completed. It will arrive in your account by the 20th day of the month following the month in which the person you recommend to us completes their switch. If you have recommended more than one friend, the payments will be made separately once each account has had a qualifying switch completed.

Yes, you can. If your friend has a Nationwide current account but they use an account held with another provider as their main transactional account (for example having their salary paid in or bills paid from), they can complete a full Current Account Switch, transferring at least 2 Direct Debits across to us (the Direct Debits must be transferred as part of the switch, not transferred afterwards)

They will then qualify for the offer.See also the offer's terms and conditions for more details regarding eligibility criteria.

We'd love you to recommend any of our accounts to your friends and family, but payments will only be made for switches to FlexDirect, FlexPlus and FlexAccount (FlexBasic and FlexOne are excluded).

Yes, anyone who holds their main current account with another provider and wants to switch their account to us will qualify for the offer.

As long as both customers are transferring a sole account into a joint account, then both customers would qualify for £100 each. If, however, a joint account is being transferred to a joint account, then only one payment of £100 will be paid to the transferring couple.

Yes, you will both be paid £100 each into your joint account.

Yes, we will pay each account holder up to £1000 per rolling 12 month period.

Payment is limited to a maximum of £1000 per person, not per account.

We can only make payments once your friend's application has been accepted. Please check with your friend that they have completed an account switch to us. If they have, and it's past the 20th of the month after their switch completion, please let us know and we'll check the status of your payment. Please note we can’t discuss the status of your friend’s application with you.

Yes, you can recommend them in the same way you recommended your original friend(s). Remember that the maximum we will pay you is £1000 in any 12-month period. 


No, we can only make payments into Nationwide current accounts.

Any payments received by the existing customer “referring” a friend or relative could be liable to income tax and should be declared as income to HM Revenue & Customs. If you need help with this, please contact HMRC, whose contact details are on their website at

We reserve the right to claim back the £100 from both parties if the recommended customer closes their account within 3 months of our crediting their account with £100. We will do this by debiting the £100 from both yours and their account.

Current Account Switch Guarantee logo

Switch your current account to us in just 7 working days

See how it works
FSCS logo

Financial Services Compensation Scheme

Protecting your money

Find out more