Compare our everyday bank accounts
See how the features of our current accounts compare to find the best one for you.
Join the Which? Banking Brand of the Year
Not only are we the 2025 Which? Banking Brand of the Year, we’re a Recommended Provider for current accounts as well.
Choose one of our accounts and find out why we’re a good way to bank. We share our profits with our members, are first in high street banking satisfaction and keep our branches open.*
Compare our everyday current accounts
This table shows the key features of our 3 everyday current accounts, to help you choose the best account for you.
If you can't view the whole table, swipe, scroll, or rotate your phone to show more > > >
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We make opening an account easy
Whether you’re opening an account today or switching, we keep it simple. And the experts at Moneyfacts agree. We’ve got a Five-Star Rating for making it as easy as possible to start banking with us.
Our children's and student current accounts
FlexOne
Our children's bank account. For 11- to 17-year olds. Earn interest and get help managing your money.
FlexStudent
Our student bank account. For those aged 18 or over. Apply for an interest-free arranged overdraft to help you manage your money at university. Conditions apply.
Our basic current account
FlexBasic
You might be eligible for FlexBasic if money problems or a limited credit history mean you do not qualify for our other accounts.
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Your money is protected
Your money is protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, or £240,000 for joint accounts, per provider.
Bringing Nationwide and Virgin Money together
Virgin Money’s business will become part of Nationwide on 2 April 2026, subject to Court approval. Once the transfer completes, your total combined deposits with Nationwide and Virgin Money will be covered up to £120,000 per person, or £240,000 for joint accounts.
Current Account Switch Service
Switching your current account to Nationwide takes just 7 working days. It's a free service, all you need to do is pick the date.
*‘Share our profits with our members’ refers to our Fairer Share Payment. If you bank as well as save or have a mortgage with us, you could benefit from our Fairer Share Payments. Some members have received £300 in Fairer Share Payments since 2023. It's our intention to make a payment every year, but this will depend on how we perform financially. We may change the amount and the eligibility criteria based on that performance. See the eligibility criteria for the 2025 Fairer Share Payment.
‘First in high street banking satisfaction’ refers to ‘Best high street banking provider for customer satisfaction’ in the building society and banking sector, as reported by The UK Customer Satisfaction Index (January 2026) published by The Institute of Customer Service. Of the 18 banking providers included, our high street banking peer group consists of banking brands with their own branches (excluding hubs and the Post Office).
‘Keep our branches open’ refers to our promise to keep every one of our branches open until at least the start of 2030. Excludes circumstances beyond our control. Branch opening times may vary. Learn more about our Branch Promise.