FlexAccount FAQs

When will I receive my card and all my details?

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 Internet 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 arranged overdraft and decided to accept it you will also receive your arranged overdraft agreement in this time.

How do I upgrade my account?

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 Internet Banking.

What is EAR?

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.

What is the most I can withdraw from my account each day?

From cash machines (ATMs):

As long as you have enough in your account, you can withdraw up to £500 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 funds available in your account including within an arranged overdraft limit. 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 £500 in cash at any Post Office branch using your card and PIN.

How can I manage my account?

We offer a range of services to help you bank with us, see our ways to bank page for more information.

What is an arranged overdraft?

An arranged 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 Current Account, 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?

You can request a change to your overdraft any time, just:

1. log in to the Internet Bank
2. Select 'View accounts'
3. Select your account from the list
4. Select 'Overdraft options' from the menu on the left side of the page
5. 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.

Or, if you prefer, you can ring our call centre on 08457 30 20 10 or visit us in branch.

Can I open a joint account?

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 any branch or you can send us a secure message if you're registered for the Internet Bank and we’ll send a form to you.

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

How long does a cheque take to clear?

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

My cards have been lost, stolen or damaged – what do I need to do?

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?

When you ask us to make Direct Debits, standing orders and bill payments on a future date, we attempt to make these payments in the morning. If there are insufficient funds in your account to make the payment we will try to make the payment again at 14.30. 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?

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.

How do you help disabled people use your products and services?

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

FlexDirect FAQs

FlexPlus FAQs

Cash card