These terms and conditions govern your use of the Nationwide Banking app. 

1. Meaning of words and expressions

In these conditions the following words and expressions have the following meanings:

  • 'Internet Banking’ means access to and use of the Nationwide Internet Bank to manage your finances.
  • 'Internet Banking log in details’ means your customer number, memorable data, passnumber and/or card reader generated passcode.
  • 'Our/us/we’ means Nationwide Building Society. 
  • 'Security Data’ means your Internet Banking and Nationwide Banking app log in details.
  • 'Banking app’ means the Nationwide Banking app.
  • 'You/your’ means the person(s) registered for the Banking app.

These terms and conditions apply in addition to the terms and conditions that apply to any account or service you can access using the Banking app.

Only you and us will have any rights under these terms and conditions. 

A copy of the most current version of the Banking app terms and conditions are available within the Banking app.

2. The Banking app

2.1 You may only access the Banking app if you are registered for Nationwide Internet Banking.

2.2 The functions and types of transaction you can carry out using the Banking app may vary depending on the type of handset you are using. You will only be able to log into the Banking app using Touch ID if you have an eligible Apple device.

2.3 We will not be liable for any failure to provide all or part of the services available within the Banking app for any reason that is beyond our reasonable control such as the failure of any machine, data processing system or transmission link or while maintenance or upgrades are carried out to any system used to provide the Banking app or for outages or lack of coverage or signal on any phone network.

2.4 We may suspend, withdraw or restrict the use of the Banking app if we think its reasonably necessary because:
(a) we suspect the Banking app or your Security Data has been used in an unauthorised or fraudulent way; or
(b) there is a significantly increased risk you may be unable to repay any money you owe us. 

Wherever possible, we will notify you personally before suspending, withdrawing or restricting your use of the Banking app and provide our reasons for doing so. If we are unable to contact you beforehand or there is a legal reason or other circumstances beyond our control preventing us from doing so, where possible we will contact you and give our reasons afterwards. 

2.5 Some services or facilities available through the Banking app may require you to consent to us using information about your location. You will be asked to agree to this before you can access the Banking app or facility. 

2.6 We use cookies to ensure that the Banking app is safe and secure when you are using it.

2.7 We may periodically update the Banking app. To make sure you can always access the Banking app, you must keep it updated. Banking app updates may download automatically to your phone, but if this does not happen you may need to download them yourself. You may not be able to use the Banking app until you have downloaded the latest version.

2.8 Touch ID and Apple are trademarks of Apple Inc., registered in the US and other countries.

3. Security

3.1 You must always keep your Security Data secret. If you write them down you must make a sufficient attempt to disguise them. You must not tell anybody else your Security Data. You are responsible for making sure information either shown or stored on your mobile phone or other device used to access the Banking app is kept secure.

3.2 You must tell us as soon as you can if you know or think somebody else knows your Security Data. You must do this by sending us an e-mail to or by telephoning our Customer Service Centre on 0800 30 20 11 (both 24 hours a day). We may ask you to confirm this in writing within 7 days.

3.3 As soon as you tell us you know or think somebody else knows your Security Data, we will prevent transactions being carried out on your account using the Banking app.

3.4 If you chose to use Touch ID to log into the Banking app, then you agree that any fingerprint stored in your device can be used to log in and use all features of the Banking app, including making payments. You are responsible for any use of the Banking app by anyone whose fingerprint is stored in your device, including any use which breaches these terms and conditions. We will treat all payments from your account by anyone whose fingerprint is registered in your device as if you have made them. Anyone apart from you who has registered their fingerprint in your device will not have any rights under these terms and conditions.

3.5 You will not be liable for a transaction carried out through the Banking app on one of your accounts which was not carried out by you or for access to or use of your accounts by someone else, except in the following cases:

  • You authorised the carrying out of the transaction or the access to or use of the account (including as set out in Condition 3.4 above).
  • You acted with gross negligence, which includes failing to follow the safeguards in Condition 3.1 and 3.2 above or the action detailed in Condition 3.3 above. 
  • You acted fraudulently.

If you dispute that you have carried out a transaction, we will expect you to co-operate with us and the police in any investigations. We may give the police and our insurers any information we consider relevant, to enable them to carry out investigations. 

3.6 If we believe or suspect fraudulent or suspicious transactions are being carried out on your account, we reserve the right to suspend access to all or part of the Banking app. 

3.7 You must not alter or adapt any part of the Banking app or carry out any reverse engineering. You must not use the Banking app on a device or operating system that does not have supported or warranted configurations. This includes devices that have been 'jailbroken' or 'rooted'. A jailbroken or rooted device is one which has had the limitations set by your mobile service provider and the phone manufacturer removed without their approval.

4. Charges

4.1 We reserve the right to introduce a charge for using the Banking app. If we introduce a charge or a new charge on your account or change the amount of any charges which already apply to your account we will notify you personally not less than 60 days beforehand.

4.2 Your network operator may charge you for using the Banking app and these charges may vary between operators and whether you are abroad when accessing the Banking app.

5. Variation of these conditions and terminating the Banking app

5.1 You are free to cancel the Banking app at any time. Details on how to cancel can be found on our Banking app page.

5.2 You acknowledge that it is your responsibility to delete the Banking app from your mobile phone or other device you use to access the Banking app if you change or dispose of your mobile phone or device.

5.3 We may vary these conditions by telling you. We will do this by sending details about changes either in writing, or by email, or by display in branches, or by advertisement, or by secure message, or notice within the Banking app. We will normally give you reasonable notice before any change takes effect unless it is not practical or possible to do so, in which case we will tell you as soon as we can after the changes take effect. Because we can give you notice of terms and conditions changes in the Banking app itself we recommend that you log on at least every 14 days.

6. Law

These conditions are subject to English law. You can take legal proceedings against us in England or the country where you live. These terms and conditions and any communications we send to you will be in English.