Current Account frequently asked questions

When will I receive my card and all my details? - This link is used to show and hide related content.

Once your account has been opened, we can then start arranging for the delivery of all the items you need to operate it. Within the first 3-5 working days you will receive all your online and telephone banking details (if you have registered) as well as your card reader to log onto the Online Bank. Following this you will receive your card, PIN number and chequebook (if you ordered one) within 5-7 working days. If you were eligible for an overdraft and decided to accept it you will also receive your overdraft agreement in this time.

How do I upgrade my account? - This link is used to show and hide related content.

To find out your upgrade options and how to apply for an upgrade, take a look at our Account upgrades section. Upgrading is really easy, especially if you’re registered for online banking.

What is an overdraft? - This link is used to show and hide related content.

An overdraft is a credit facility that is set up on your account to help you manage your short-term cash flow needs. To find out more about overdrafts on a FlexAccount, see the rates, fees and overdrafts page or if you fancy a short read, have a look at our Understanding Overdrafts guide.

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

What is EAR? - This link is used to show and hide related content.

EAR stands for ‘Equivalent Annual Rate' which allows you to compare the rates offered by different providers. It's the cost of an overdraft stated as a yearly rate, taking into account the compounding rate of interest. At Nationwide, we work out interest each day on any overdrawn amount and take it from your account monthly, giving you 28 days' notice of the amount we intend to take. Any interest charged is added to the balance outstanding.

How can I manage my account? - This link is used to show and hide related content.

We offer a range of services to help you run your account. See our Managing your account page for more.

How can I change my overdraft - This link is used to show and hide related content.

You can request a change to your overdraft any time.

Just log in to the Internet Bank and then:

  1. Select 'View accounts'
  2. Select your account from the list
  3. Select 'Overdraft options' from the menu on the left side of the page
  4. Continue to follow the on screen instructions to change your limit

Please note that the overdraft link will not be available if:

  • There's no overdraft facility available on the account
  • There are charges pending on your account, or
  • When you opened the account, you chose not to have an overdraft facility.

Can I open a joint account? - This link is used to show and hide related content.

Of course! You can open a joint account online or in branch. We’ll ask you at the very beginning of the application whether you’d like to apply for a sole or joint account. Both account holders will need to be present when the account is opened to answer the important eligibility questions.

How long does a cheque take to clear? - This link is used to show and hide related content.

See our cheque clearing calculator to see when your cheques will clear.

What is the most I can withdraw from my account each day? - This link is used to show and hide related content.

From cash machines (ATMs):

As long as you have enough in your account, you can withdraw up to £300 in any one day with a FlexAccount.

From over the counter in branch:

You can withdraw up to £500 a day at your local branch, as long as you have the money in your account or an authorised overdraft. If you need more than £500, please give your branch at least 2 full working days' notice. (Some requests may take up to three full working days – so we recommend checking with your branch beforehand.) For cash withdrawals over £500, you will need to present one piece of ID – either your passport or driving licence (with the paper counterpart (copy).

From a post office:

You can withdraw up to £300 in cash at any Post Office branch using your card and PIN.

My cards have been lost , stolen or damaged - what do I need to do? - This link is used to show and hide related content.

If you have Card Protection, contact the company immediately and they will arrange to cancel all your cards. Otherwise, call us immediately on 08457 30 20 10, or speak to us at any Nationwide branch.

When do I need cleared funds in my account to meet a particular payment? - This link is used to show and hide related content.

Transfers to cover outgoing payments must be made before midnight on the working day before the payment is due. If the payment is due on a Monday, the transfer must be made by 9:00pm on Sunday. To find out when a cheque you are paying into your account will clear, please use our cheque processing calculator.

How can I make a complaint? - This link is used to show and hide related content.

We want all our customers to feel happy with the service they receive. If we’ve made a mistake, or let you down, please tell us so that we can put things right and do better next time around.

Our making a complaint page talks you through how to complain and when to expect a reply from us.

If you’re not satisfied with our response to your complaint, you can also ask the Financial Ombudsman Service to look into it. You can write to them at this address:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

How do you help disabled people use your products and services? - This link is used to show and hide related content.

Our products and services are designed to be accessible to all our customers. For more information please visit our accessibility page.

When will I receive my card and all my details? - This link is used to show and hide related content.

Once your account has been opened, we can then start arranging for the delivery of all the items you need to operate it. Within the first 3-5 working days you will receive all your online and telephone banking details as well as your card reader to log onto the Online Bank. Following this you will receive your card, PIN number and chequebook (if you ordered one) within 5-7 working days. If you were eligible for an overdraft and decided to accept it you will also receive your overdraft agreement in this time.

How old do I need to be to apply for a FlexDirect account? - This link is used to show and hide related content.

You need to be 18 to apply for a FlexDirect account. If you are younger than this, you may be able to apply for one of our FlexAccounts provided you are aged 16 or above.

What types of payment count towards the £1,000 a month I need to pay-in to benefit from all that FlexDebit has to offer? - This link is used to show and hide related content.

Any external payment into your FlexDirect account will count towards the monthly £1,000 total requirement, in other words a payment which does not come from another Nationwide account.

What happens if I don't pay £1,000 a month into my account? - This link is used to show and hide related content.

We won’t be able to pay you credit interest on your balance in any month you don’t pay in £1,000.

When will I receive my interest? - This link is used to show and hide related content.

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.

How will I know when my 12 month introductory credit interest comes to an end? - This link is used to show and hide related content.

At the end of your 12 month introductory period we’ll write to you to tell you that your promotional credit interest rate is coming to an end and that your rate will now revert to the standard credit interest rate for the account.

When is it possible for me to use the branch with a FlexDirect account? - This link is used to show and hide related content.

FlexDirect is a self-service account which provides customers exclusive benefits in return for managing their account remotely. However, this does not mean that customers are not welcome to use the branch. Any transactions that are not possible to complete via the Internet Bank, the Telephone Bank, an ATM or our mobile banking app we are happy for customers to use the branch. Customers can also use the branch in any distress situations where they require assistance to resolve.

If I'm not happy with my FlexDirect account once its open what are my options? - This link is used to show and hide related content.

If you don’t feel FlexDirect is the right current account for you, you’re welcome to cancel your account within 28 days of opening. We’ll close your account or move your account to another product that suits your needs better depending on what you want.

How do I upgrade my account? - This link is used to show and hide related content.

To find out your upgrade options and how to apply for an upgrade, take a look at our Account upgrades section. Upgrading is really easy, especially if you’re registered for online banking.

I've a FlexDirect account; can I change it to a FlexAccount? - This link is used to show and hide related content.

If you would like to change your FlexDirect to a FlexAccount, please give us a call on 0845 30 11 22 or visit us in branch.

Can I open more than one FlexDirect account?  - This link is used to show and hide related content.

You can open up to four Nationwide current accounts, however you are only guaranteed the 5% promotional interest rate on one FlexDirect account.

What is an overdraft? - This link is used to show and hide related content.

An overdraft is a credit facility that is set up on your account to help you manage your short-term cash flow needs. To find out more about overdrafts on a FlexAccount, see the rates, fees and overdrafts page or if you fancy a short read, have a look at our Understanding Overdrafts guide.

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

How can I change my overdraft? - This link is used to show and hide related content.

You can request a change to your overdraft any time.

Just log in to the Internet Bank and then:

  1. Select 'View accounts'
  2. Select your account from the list
  3. Select 'Overdraft options' from the menu on the left side of the page
  4. Continue to follow the on screen instructions to change your limit

Please note that the overdraft link will not be available if:

  • There's no overdraft facility available on the account
  • There are charges pending on your account, or
  • When you opened the account, you chose not to have an overdraft facility.

Can I open a joint account? - This link is used to show and hide related content.

Of course! When you apply we’ll ask you at the very start if you want to open a sole or joint account. It’s as simple as that.

Want to turn your existing account into a joint account? Just request an ‘addition of an account holder form' from your any branch or you can send us a secure message via online banking and we’ll send a form to you.

Note: Both account holders will need to be present when the account changes are made.

When will my cheques clear? - This link is used to show and hide related content.

See our cheque clearing calculator to see when your cheques will clear.

What is the most I can withdraw from my account each day? - This link is used to show and hide related content.

As long as you have enough in your account, you can withdraw up to £300 in any one day from your FlexDirect account from a cash machine (ATM) or in any Post Office branch. If you need to withdraw a larger amount of cash in one day, please speak to your local branch who will advise you on what to do.

My cards have been lost, stolen or damaged-what do I need to do? - This link is used to show and hide related content.

If you have Card Protection, contact the company immediately and they will arrange to cancel all your cards. Otherwise, call us immediately on 08457 30 20 18, or speak to us at any Nationwide branch.

When do I need cleared funds in my account to meet a particular payment? - This link is used to show and hide related content.

Transfers to cover outgoing payments must be made before midnight on the working day before the payment is due. If the payment is due on a Monday, the transfer must be made by 9:00pm on Sunday. To find out when a cheque you are paying into your account will clear, please use our cheque processing calculator.

How can I make a complaint? - This link is used to show and hide related content.

We want all our customers to feel happy with the service they receive. If we’ve made a mistake, or let you down, please tell us so that we can put things right and do better next time around.

Our making a complaint page talks you through how to complain and when to expect a reply from us.

If you’re not satisfied with our response to your complaint, you can also ask the Financial Ombudsman Service to look into it. You can write to them at this address:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

How do you help disabled people use your products and services? - This link is used to show and hide related content.

Our products and services are designed to be accessible to all customers. For more information please visit our accessibility page.

What benefits do I receive on my account? - This link is used to show and hide related content.

Our FlexPlus current account offers competitive in credit interest and charges as well as a range of value added features, including Worldwide Family Travel Insurance, UK & European Breakdown and Recovery Assistance, Worldwide Mobile Phone Insurance, Extended Warranty Protection, Identity Theft Assistance and Worldwide Emergency Card Assistance

Do I receive interest on my FlexPlus account and when is credit interest paid to my account? - This link is used to show and hide related content.

We’ll pay 3% AER (2.96% gross p.a.) variable on your in-credit balance up to £2,500. This is calculated on the balance in your account at the end of each day.

The total interest for a month will be calculated on the last day of the calendar month and applied to your account on the 1st day of the next month.

What are the charges on the account? - This link is used to show and hide related content.

FlexPlus has a £10 monthly fee as well as some fees when the account is overdrawn. It is important that you understand these fees before you take out a FlexPlus account, so that you can be sure you get the right account for you.

I don't want to pay a monthly fee, what are my options? - This link is used to show and hide related content.

We have a range of current accounts at Nationwide, designed to meet the different needs of our customers. If you don’t think FlexPlus is right for you, please take a look at one of our other accounts.

Who do I contact if I have any questions? - This link is used to show and hide related content.

If you have any questions about the account, its insurance products or other benefits, please call the FlexPlus helpline on 0800 11 88 55.

If you would prefer to contact the insurer directly when claiming, individual numbers are provided in the policy documentation.

How long does it take to open an account? - This link is used to show and hide related content.

It’ll take you around 10 - 25 minutes to apply for a FlexPlus account online.

An account for one person can be opened within 24 hours (subject to status) and you’ll be covered by the insurance products as soon as the account is opened. It’ll take approximately 5-7 working days for you to receive your Visa debit card and account information.

If you’re applying for a joint account, we’ll need to send you some paperwork to sign. As soon as we receive your paperwork, the timescales above will apply.

Can I open a joint account? - This link is used to show and hide related content.

Of course! You can open a joint account online or in branch. We’ll ask you at the very beginning of the application whether you’d like to apply for a sole or joint account. Both account holders will need to be present when the account is opened to answer the important eligibility questions.

How do I close my account? - This link is used to show and hide related content.

Accounts can be closed in any of our branches. It must be the account holder (or Power Of Attorney or Court Of Protection) that asks us to close the account.

For security reasons you must return any cards issued with the account when you close your account.

You cannot close your account if it’s overdrawn. If any charges are due on your account, then we’ll close it the day after the charges are paid.

What is the monthly fee on a FlexPlus account and when is it taken? - This link is used to show and hide related content.

The FlexPlus account has a monthly fee of £10 which is taken from your account on the last day of the month (even if this is not a working day).

The first monthly fee will be taken at the end of the month after you have opened your account. For example, if you open your account on 1st February the first monthly payment will be taken on 31st March.

How do I sign up for mobile, telephone and online banking? - This link is used to show and hide related content.

Manage your money in a way that suits you. See our managing your account page for information on how to sign up for mobile, telephone and online banking.

When does the insurance cover start? - This link is used to show and hide related content.

The insurance policies start as soon as your account is opened but you won’t be able to claim for any incidents which occurred before the account opening date. If the account can’t be opened immediately (for example, for joint applications where we may require additional signatures to open the account), then cover will start as soon as you receive your letter confirming that the account is opened or complete the application in branch.

Customers who upgrade to FlexPlus from an existing Nationwide current account will be covered as soon as their application is completed.

What age restrictions apply to the insurance polices? - This link is used to show and hide related content.

For Annual Worldwide Travel Insurance, if you, an account holder or a family member (as defined in the policy terms and conditions) are 75 years old or over; in order to continue to benefit for travel cover you must contact the insurer to purchase an age extension to your policy (£50 per account per annum). You will also be required to be medically screened to confirm if you have any existing medical conditions. Some medical conditions will incur an additional premium or we may not be able to provide cover for that medical condition. Your policy will not cover this person for claims relating to a pre existing medical condition until you have done this.

There are no age restrictions on any of the other insurance policies.

How do I check my eligibility to claim on the insurance policies? - This link is used to show and hide related content.

It’s really important that you understand your eligibility to claim on the FlexPlus insurance products before you apply for a FlexPlus account. We’ll ask you a number of questions about eligibility during the application process. This is to help you understand if the account will meet your needs. These eligibility checks will indicate which products you will be able to claim against. Any claims will also be subject to the terms and conditions of the policy.

You must continue to consider your eligibility to claim on an ongoing basis. Please do this regularly and always when your personal circumstances change. The policy summary contains an eligibility guide or you can contact the insurers on 08457 33 55 44.

How do I get a copy of the policy document or summary? - This link is used to show and hide related content.

You can download the policy documents online, pick them up in branch or order them by telephone on 08457 33 55 44 (options 3, 1, then 2).

How do I make a claim? - This link is used to show and hide related content.

All claims can be made through 08457 33 55 44 (international number +44 1793 541 200).

Emergency travel or breakdown assistance.

If you need travel or breakdown assistance, you can contact the insurers directly. The relevant telephone numbers are on the FlexPlus insurance pages and in the policy documents.

Please also read the policy documents to familiarise yourself with any information that may be required to claim. This will help your claim to be processed quickly and effectively.

What information do I need to provide when claiming? - This link is used to show and hide related content.

You will need to provide your account number for all claims. You will need to provide further information for some of the insurance products:

Insurance  Extra information required
Travel insurance  You will be asked for documentation in support of your claim, below are some examples of what type of documents may be asked for, this list is not exhaustive:
  • Proof of purchase and a Police incident reference number to support loss or theft claims
  • A booking and cancellation confirmation/invoice will be required to support a cancellation claim
  • Receipts for additional expenses incurred
  • A medical certificate to support claims for cancellation, curtailment or medical expenses
Breakdown cover
  • Your name and address
  • Vehicle details: registration number, make, model and colour of the vehicle you are travelling in
  • Exact details of your location, your phone number and the problem with your vehicle
  • If you are driving a vehicle owned by an account holder you must be able to provide their name, address and date of birth as well as the above.
Mobile phone insurance
  • A proof of purchase or proof of ownership document which states your phone’s IMEI number e.g. a till receipt or despatch note
  • For loss and theft claims you must also notify your network provider
  • For loss, theft and malicious damage claims you will also need a Police incident reference number
Extended warranty
 Proof of purchase

Do I need to let you know when I am going on holiday? - This link is used to show and hide related content.

Please advise Nationwide if you are going to use your card abroad using our online travel form on the Internet Bank or calling us on 08457 33 55 44.

You don’t need to inform the insurance companies if you are going away. You must however check your eligibility to claim before starting your journey.

What about for the insurance polices? - This link is used to show and hide related content.

You don’t need to inform the insurance companies if you are going away. You must however check your eligibility to claim before starting your journey.

What if I have cover provided by another insurance policy? - This link is used to show and hide related content.

If you have existing insurance policies that give the same cover elsewhere, you’ll need to consider whether you may be paying for duplicate cover. In this instance, you will need to work out which policy provides the best cover at the best price for you.

You should be aware that the costs of any claims, where cover is provided by both policies, may be shared proportionally between the two insurance companies if you retain both policies.

If you ask us to, we can check for you whether you have any duplicate cover on policies held at Nationwide. You’ll need to check other policies that you hold elsewhere.

Why are we using third parties to provide the insurance polices? - This link is used to show and hide related content.

Nationwide is committed to providing you with the best possible products and service. Where we feel it is in the interest of our customers we will carefully source products and services from alternative suppliers, who have a track record for delivering an excellent customer experience.

Can I cancel the individual insurance polices on the account? - This link is used to show and hide related content.

The insurance policies are provided as part of the current account as a package. This has enabled Nationwide to negotiate the best possible prices and keep the fee as low as possible.

As a result, you are not able to cancel the individual insurance policies offered on the account. If the account no longer meets your requirements, you should switch to a more suitable account.

I've broken down in a FlexPlus account holder's private car, but the account holder isn't with me. What information do I need to provide to use a FlexPlus breakdown assistance? - This link is used to show and hide related content.

You must give your full name, the full name of the account holder(s), along with their home address and date of birth. You should also tell us the make, model and registration number of the vehicle you are travelling in when you call.

Remember, the vehicle must be a private car registered to the account holder and you must have permission from the account holder to use the car before you begin your journey.

Who is covered on the insurance policies? - This link is used to show and hide related content.

Breakdown assistance provides cover for account holders travelling in any private car and for anyone driving a car registered to the account holder(s) and being used with their permission.

Account holder(s) are able to make a claim on the Extended Warranty protection.

Travel and mobile phone insurance provides cover for the family. Family members include: you, your partner / spouse and dependent children who live at the same address as the account holder(s). To be covered any dependent children must not have reached the age of 19 (or 22 if in full time education) and be neither married nor in a civil partnership.

Are my medical conditions covered by the travel insurance policy? - This link is used to show and hide related content.

Pre-existing medical conditions are excluded by this insurance. You should read the medical warranty on page 10 of the terms and conditions to understand what a pre-existing medical condition is. If your pre-existing medical condition can be covered call U K Insurance Limited on 0845 246 1692 to be medically screened, you may be informed that they can cover your medical condition for free or you may have to pay an additional premium. They may not be able to provide cover for some medical conditions and if this is the case they will provide this in writing to you.

Do I need to purchase any upgrades on my insurance polices? - This link is used to show and hide related content.

FlexPlus insurance products come with lots of benefits as standard (travel insurance includes both winter sports and golf cover for example). For this reason, we’re confident the need to upgrade is minimal.

On the travel insurance policy in particular there are a few things you can upgrade your policy to cover. These include extending your cancellation cover or trip duration as well as waiving your policy excess. For the more adventurous, you may want cover for hazardous activity. A premium will apply to all upgrades. Please contact the travel insurer directly on 08457 33 55 44 (international number +44 1793 541 200) for more information.

Please read the policy documentation carefully to determine whether you need to upgrade any of your policies.

If you have switched to FlexPlus from another Nationwide account any applicable upgrades will be transferred automatically. If the upgrade no longer applies (for example worldwide which is automatically covered by the FlexPlus travel insurance) or you decide you no longer want the upgrade you will not receive a refund unless you are within the cooling off period and no claims have been made.

What are  your opening hours if I need to make a claim? - This link is used to show and hide related content.

Emergency claims:
Travel insurance and breakdown assistance claims lines are open 24/7.

Non emergency claims:
Travel insurance: 8am – 6pm Monday to Friday
Mobile phone insurance: 8am – 8pm Monday to Friday and 9am – 6pm on Saturday and Sunday
Extended warranty protection: 9am – 5pm Monday to Friday

Will I receive a certificate of cover with my personal details on it? - This link is used to show and hide related content.

We will not provide you with individual certificates of insurance for each of the policies. Your account number will act as the policy number for reference. Cover will be provided, subject to eligibility, for as long as your FlexPlus account is open.

How old do I need to be to apply for a FlexOne account? - This link is used to show and hide related content.

You’ll need to be aged 11 - 17. If you’re 18 or over, you might find one of our other current accounts better suited to what you need (subject to status).

How do I apply for a FlexOne account? - This link is used to show and hide related content.

You can do it online or in branch. To apply in branch, you must be aged 11 - 17 – and if you’re under 16 you’ll need an adult with you. If you’re 14 or over, you can apply online – but it might be a good idea to have an adult sitting with you to guide you through the questions we ask.

What ID (Identification) do I need to open a FlexOne account? - This link is used to show and hide related content.

If you’re new to Nationwide, you’ll need to provide your local branch with ID so they can verify you, this applies even when you open your account online. If you're already a Nationwide customer you may still need to pop in with ID, but we'll let you know at the end of the application.

Evidence we need to see:

1. Valid UK passport: OR

2. Original birth certificate, adoption certificate, valid non-UK passport, along with an electricity, gas or phone bill (under three months old) from an adult living at the same address. Please note, we don’t accept mobile phone bills.

What happens to my FlexOne account when I reach 18? - This link is used to show and hide related content.

If you still have your FlexOne cash card, we’ll send you a replacement FlexOne Visa debit card with the same 4-digit PIN. You can keep on using your FlexOne account until you’re 23. Other products and services might also become available to you when you reach 18, so please get in touch to find out more.

What other accounts could I open? - This link is used to show and hide related content.

As a FlexOne customer, you’ll get exclusive access to a FlexOne Regular Saver – or choose from our range of other savings accounts for young savers.

How many FlexOne accounts can I have? - This link is used to show and hide related content.

You can only have one FlexOne account.

When will I receive my card and account details? - This link is used to show and hide related content.

Usually within seven days of opening your account. Your Internet Bank login details may arrive first. Then your card and PIN will be delivered in separate letters, to keep everything safe and secure. If you opened your account online, we’ll also send you your card reader.

I have a current account with another provider. Can I move it to Nationwide? - This link is used to show and hide related content.

Yes, first open a FlexOne account and then use the current account switch service to move your existing account over.

Where can I learn the basics of running a current account? - This link is used to show and hide related content.

Our FlexOne support section and Nationwide Education (This link will open in a new window) website have loads of videos and guides to help you get familiar with how to use your account and how to develop good money management skills.

Where can I learn what all these banking words and phrases mean? - This link is used to show and hide related content.

If you’re new to banking, our glossary of terms is a good place to start.

What's the best way to stay in control of my money? - This link is used to show and hide related content.

We’ve got loads of different tips and tools to help you do that. Visit Nationwide Education (This link will open in a new window) to find out more.

Can my parents or legal guardian be added to my FlexOne account? - This link is used to show and hide related content.

No, your account can only be held in your name. We want to help you learn how to stay in control of your money, and FlexOne is a great way to develop the skills to do that.

If I have a query, can I get my parent or legal guardian to call you or go to a branch? - This link is used to show and hide related content.

Yes no problem, so long as they have your permission each time. This could be verbally over the phone or by popping in to your local branch in person. When contacting us over the phone, we will ask you some questions to help us validate you. Once we’ve done this and received your permission, we’ll then be able to speak to your parent/legal guardian.

Can I change the type of card I've got - This link is used to show and hide related content.

When you open your account, you can choose between a FlexOne cash card and a FlexOne Visa debit card. If you need to switch later on, that’s fine.

You’re able to switch the type of card you have until you reach 17 ½. You can do this at any time either by popping in to branch, calling us by phone or by logging in to the Internet Bank.

What if my card's been lost, stolen or damaged? - This link is used to show and hide related content.

Call us immediately on 0800 30 20 11, or visit any Nationwide branch.

How are you helping disabled people use your products and services? - This link is used to show and hide related content.

We design our products and services to be easy and simple to use – by everyone. Find out more.

What is upgrading? - This link is used to show and hide related content.

It's simply changing the type of current account you have with Nationwide.

What upgrades are available? - This link is used to show and hide related content.

Once FlexOne customers reach 18 they can switch to a FlexAccount, FlexDirect or FlexPlus current account, subject to status. FlexAccount holders can upgrade to FlexDirect or FlexPlus. You can also upgrade from FlexDirect to FlexPlus. It’s best to log-in to online banking to see if an upgrade is available.

Why might I not be offered an upgrade? - This link is used to show and hide related content.

There are some circumstances where we won’t be able to offer you an upgrade, if:

  • You are under age 18
  • Your account has recently been overdrawn without our authorisation
  • You have missed payments for other Nationwide products you hold
  • You have missed loan, mortgage, or credit-card payments with other providers
  • You are currently bankrupt or have an Individual Voluntary Arrangement (IVA) with your creditors.

How do I upgrade my account? - This link is used to show and hide related content.

If you’re registered for online banking, just log-in and look for the upgrade links.
If you’re not registered for online banking, just call us on 0800 30 20 10 to upgrade.

I've a FlexDirect/FlexPlus account, can I change it to a FlexAccount? - This link is used to show and hide related content.

If you would like to change your FlexDirect or FlexPlus to a FlexAccount, please give us a call on 0845 30 11 22 or visit us in branch.

Will my sort code and account number change if I upgrade my account? - This link is used to show and hide related content.

No, your sort code and account number will continue to be the same as they were for your FlexOne, FlexAccount or FlexDirect account.

Will my Direct Debits and other regular payments be affected? - This link is used to show and hide related content.

No, your Direct Debits, standing orders and bill payments will continue from your new account automatically.

Will I be left without a card until the new one arrives? - This link is used to show and hide related content.

No. Your new card will arrive 7 working days after your account has switched, however don't worry, you will still be able to use your old card during this time. Please note that you will not get commission free withdrawals abroad when using your old card.

Can I cancel the upgrade if I change my mind? - This link is used to show and hide related content.

We all get second thoughts sometimes, so we give you 28 days to cancel if you change your mind.

If I switch my existing account to Nationwide, can I choose which Direct Debits and standing orders to move? - This link is used to show and hide related content.

Our switching service is a complete service so you can’t choose which payments you want to move. Once your new account is open though, you can always move some payments to an account you hold elsewhere if you need to.

Can I switch my outgoing payments myself? - This link is used to show and hide related content.

You can manage the switch yourself, although you won't be covered by the Current Account Switch Guarantee or the Current Account Switch Agreement.

Do I have to switch my outgoing payments when I open a current account with nationwide? - This link is used to show and hide related content.

You don't have to but the good news is that once your account is open you can switch at any time.

Can I upgrade my current account online and switch at the same time? - This link is used to show and hide related content.

You'll need to upgrade your account first and then switch. Look at our current accounts to see which would suit you best.

Most of our existing customers switch their other bank accounts to us via online banking.

Can I check how my switch is going? - This link is used to show and hide related content.

We'll keep you informed by regular text message if you give us your mobile number. Or you can call us on 0800 30 20 10. Mon-Fri 8:00am-8:00pm. Sat & Sun 9:00am-5:00pm. If you already bank online with Nationwide you can check to see how your switch is going at any time.

Can I stop the switch if I change my mind? - This link is used to show and hide related content.

Please call our helpdesk on 01793 69 19 16. If we’ve already contacted your Direct Debit companies, we won’t be able to cancel the switch.

Do you have a printed copy of this information? - This link is used to show and hide related content.

Yes we do. You can download our Switching Guide, or pick up a printed copy in branch.