Membership

Putting our members first

We’ve had the same purpose now for over 130 years: to help ordinary people buy their own homes and save for their futures. Put simply, those who save with us help those who mortgage through us.

That’s what being a mutual building society means. And as we’re owned by you, our members, we listen to what you want. It’s this that shapes our future – and helps us build society, nationwide.

The benefits of membership

Having no shareholders (in the way that banks do) to answer to means we can bring our 15 million UK members some unique benefits. We can also help their friends, families, and the communities they (and we) are part of.


Access to our just-for-members range

Including credit cards, loans, home insurance, investments and financial protection.

Your loyalty rewarded

The interest rates on our Loyalty Saver and Loyalty ISA accounts are linked to how long you’ve been a member. Both accounts are available to members who have been with us for a year or more.

Your support recognised

Recommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive £100. You can recommend up to five people a year.

Your voice heard

Have your say and help shape Nationwide through our online community Connect, or at our Annual General Meeting (AGM). The people you vote for help shape Nationwide’s direction and priorities. You can also connect with us on social media.

Your support recognised

Recommend one of our current accounts* to a family member or friend and, if they switch their current account to us within 90 days, you’ll each receive £100.

Helping you help your family

With our Family Deposit Mortgages, you can borrow against your own home and gift the money to a family member to help them buy a place of their own.

Our mortgages are available to UK residents aged 18 and over. all mortgages are subject to underwriting and criteria.

Your mortgage is secured on your home, which you could lose if you do not keep up with your mortgage repayments.

You help make a difference

In 2007, our members decided we should give at least 1% of pre-tax profits to local causes. Today, we're still doing just that – with a focus on tackling the housing crisis so everyone has a place to call home. Our Community grants programme means housing organisations and charities can apply for grants of up to £50,000 to help make a change.

We're on the high street

We're committed to giving our members the best possible experience. We know that, no matter how good technology gets, there'll be times when you'd rather deal with us in person.

You can help your branch support our charity partners

Join in with your branch’s initiatives supporting local charities and Nationwide’s charity partners – Macmillan Cancer Support and Shelter. Just pop in to find out more.

You can help reduce our impact on the environment

Use our Internet Bank or Banking app. Go paperless but stay on top of your money.

Switch Guarantee Logo

*Excludes switching to FlexOne, FlexBasic and FlexStudent. Conditions apply, please read the terms of this offer. Your friend needs to transfer at least two Direct Debits as part of the switch (standing orders and recurring card payments don't qualify).

What makes me a member?

You're a member if you have a current account, mortgage or savings account with us.

We're sorry but our corporate savings accounts, personal loans, credit cards, investment and insurance products don't make you a member, and nor do products from our subsidiaries such as The Mortgage Works. Having a business savings account with us makes you a member if you are a sole trader, partnership or unincorporated body (for example, clubs and voluntary groups) but not if you're a company, charity or trustee.

You may also be interested in...

Results and accounts

We have financial records going back to 2003 available for you to download.

Our history

Browse through our milestones and achievements and read about our origins, mergers and acquisitions.

Social investment
Our Branch Promise