In addition to the Savings general terms and conditions and the cash ISA terms and conditions, the following terms and conditions apply to Flexclusive ISA. If there is a conflict between the Savings General terms and conditions, the cash ISA terms and conditions and these Flexclusive ISA terms and conditions, these Flexclusive ISA terms and conditions will take priority.

Account holding and ownership

  1. This account is available to customers aged 18 or over who meet one of the following three criteria:
    • Hold a FlexOne account and be aged 18 or over, or hold a FlexAccount and:
      1. have been paying in £750+ a month for the last 3 months (excluding transfers from any Nationwide account held by you or anyone else); or
      2. completed an account switch to us (from a non-Nationwide account) using our Current Account Switch Team in the last 4 months; or
    • Hold a FlexStudent account and have paid in £1,500 in at least 2 transactions in the last 12 months; or
    • Hold a FlexDirect or FlexPlus account.
  2. If you no longer meet the account eligibility criteria we reserve the right to transfer the account to another ISA within our range.
  3. We reserve the right to limit the number of Flexclusive ISA accounts you can have.
  4. The minimum deposit to open the account is £1, with a minimum operating balance of £1.


  1. Interest is calculated daily and paid annually on 30 September each year and on closure into the account, a Nationwide current or savings account (subject to the terms and conditions of that receiving account) or a current account with another bank or building society.
  2. We will calculate interest on each whole pound in the account.
  3. The interest rate payable on the account is variable.

Operating the account

  1. You can withdraw any available funds in the account, or transfer to another ISA provider, without notice or loss of interest.