FlexAccount FAQs

FlexDirect FAQs

FlexPlus FAQs

FlexOne FAQs

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 complete the form - you can download the addition of an account holder form, pick it up 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: If the account holder to be added does not currently hold any Nationwide accounts, please visit a Nationwide branch with identification to have a profile set up.

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).

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.

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.

If you still have your FlexOne cash card, we’ll send you a replacement FlexOne contactless Visa debit card with the same 4-digit PIN. If you would rather have a Visa debit card without the contactless payment option just let us know. 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.

When you reach age 23, we'll change your FlexOne account to another current account. Generally we will change the account to a FlexDirect current account (or similar account if it's no longer available). 

Please note: FlexDirect comes with paperless statements, if you don't want to move to an account with paperless statements, please get in touch and we’ll tell you what other options you have.

We may change your account to another type of current account if we think you're not eligible for a FlexDirect account. Once we've changed your account the benefits of your FlexOne account will stop. We'll tell you we're changing your account before we do this and give you details of any changes to the terms and conditions applicable to your account. If you have any questions and would like our help, please get in touch.

If you'd like any further information, please see the FlexOne Terms and Conditions.

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.

You can only have one FlexOne account.

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.

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

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.

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

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.

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.

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.

When you open your account, you can choose between a FlexOne cash card and a FlexOne contactless 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. Remember that you can always change your FlexOne Visa debit card to one without the contactless payment option if you want to.

No, but you can make payments to people or companies through Internet Banking using your card reader – or in branch with your debit or cash card.

Never tell anyone your 4-digit PIN, and always cover your hand when tapping it into a cash machine. Please  take extra care of keeping your debit card safe as contactless means purchases up to £20 per transaction can be made without your PIN being needed. Learn more about fraud and other ways to stay safe

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

You can withdraw up to £300 a day from a cash machine – so long as you have enough money in your account. If it’s over the counter in a branch, you can take out up to £500 in cash (again, so long as funds are available). If you need more than £500 in cash, please give the branch one full working day's notice. Some requests can take up to three working days, so it’s always best to check with the branch first. For withdrawals of £500 or more, you’ll also need to show some ID. This can either be your passport or driving licence (the plastic photo card plus the paper bit).

If you’ve requested paper statements, we’ll post these to you every month on the same day you opened your account. If you’re set up for online statements, these will be available on your Internet Bank each month – again, on the same day your account opened. If you want to change your statement date, you can do that anytime through Internet Banking, or by calling us on 0800 30 20 11.

Some shops let you pay for up to £20 per transaction of shopping just by touching your Visa card against a card reader at the checkout. If you have a FlexOne Visa debit card, give it a try next time you see the contactless logo. Contactless isn’t available with the FlexOne cash card.

No unfortunately not. Discounts cannot be added to contactless payment cards. If you use your contactless card on TfL you’ll find that your account gets debited with an adult’s fare.

Currently we’d suggest that if you're eligible for discounted travel, you should carry on using your existing Oyster card or Oyster photocard, but please use your contactless card for other everyday small value purchases. You’re also able to use your FlexOne Debit card to top up your Oyster card.

We work out how much interest you’re owed on the last day of each month, then pay it into your account on the first day of the following month. We pay this interest without tax deducted.

Yes, you can use it in cash machines or if you have a debit card, you can pay for things in shops just like in the UK. Nationwide won’t charge you for using your card abroad although please be aware that some cash machines may charge you a fee.

Yes, it’s easy. All they need is your account number and sort code, for your FlexOne current account you’ll find these details at the bottom of your card. For FlexOne Regular Saver you can find these on your bank statement or by signing in to the internet bank.

Our cheque clearing calculator will tell you exactly how long this takes.

We’d love you to stay with us, but if you want to leave just visit any Nationwide branch and we’ll go through everything with you.

It’s easy. Just let us know whether you want to change your name or change your address and other contact details.

Please let us know what’s wrong, so we can put things right straight away or do better next time. We’ll also tell you how quickly we’ll get back to you.

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

Of course you can. Just get in touch with your local branch or give us a call and we will send you a new card.

Relevant if you are 18 or over

We attempt to honour the payments that you are attempting to make, even if this leads to you going overdrawn. To assess whether to honour a transaction we assess the conduct of your Nationwide accounts and your credit rating generally.

You should consider whether you wish to opt out of an unarranged overdraft, please call 0800 30 20 11 to arrange this. In some situations transactions could still be paid even when you have opted out (which might result in an unarranged overdraft). For example, card payments where the retailer doesn’t seek authorisation.

Once you are 18, you can apply for an arranged overdraft. If you do this, we will carry out searches with credit reference agencies before deciding whether to grant you one. 

When you reach 18 we will begin sharing information about your account and how you use it with the credit reference agencies. If you borrow money from us, but do not pay it back on time the credit reference agencies will record how much you owe. All this information will be available for Nationwide and other lenders to see and will be used to make decisions about whether to lend you money (credit) or services that may be credit related such as insurance. It is also used to prevent fraud and money laundering, and if you owe money, to trace you and recover the money. 

If you apply to us for an overdraft when you are 18 or over we will look at the information the credit reference agencies have about you. They will add to their records details of our search, and your application even if your application does not proceed. These details will be seen by other organisations that make a search for the records held about you by the credit reference agencies. If an organisation sees that you have made a lot of applications for credit this may stop them lending to you.

Find out more.

FlexBasic FAQs

FlexStudent FAQs

Switching & Upgrades