Compare our everyday bank accounts
See how the features of our current accounts compare to find the best one for you.
We're Which? recommended
We’re proud to be a Which? Recommended Provider for current accounts.
It's easy to see why more people switch to us than anyone else. We share our profits with our members, keep our branches open and are the UK’s number 1 for customer satisfaction.*
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.
What to look for when comparing current accounts
- Fees
Are there any monthly fees to pay to keep benefiting from the account? - Branch access and telephone support
Are you happy to bank online only or would you like to be able to bank in person and over the phone too? More about our ways to bank. - Arranged overdrafts
You can apply for an arranged overdraft with any of our everyday adult bank accounts. More about overdrafts. - Rewards and benefits
What extra benefits are there if you open that current account? Can you earn interest on your money or get insurance for the whole family? - Joint account options
All our everyday adult bank accounts can be opened as sole or joint accounts. Bank alone or with someone else. You choose. - Card features
Contactless, Apple Pay, Google Pay and Samsung Pay are all standard with our adult bank account range. Pay how you want to. - Account alerts
To help you keep track of your money, we can send you alerts through our app or by text message. More about current account alerts. - App, internet bank and telephone banking
Bank on the go with any of our everyday adult bank accounts. Whether you prefer to bank on your PC, on your mobile phone or by calling us. - Additional extras
Can you get a chequebook or go paperless?
Related links
Looking after your money
We're committed to keeping your money safe. And as well as the security you get from us, you're also protected by the Financial Services Compensation Scheme (FSCS).
This means the money across all your Nationwide and Virgin Money accounts is covered up to £120,000 per eligible person (or a combined £240,000 for joint accounts). This applies if we're unable to meet our financial commitments or stop trading.
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.
*‘More people switch to us than anyone else’ refers to Pay.UK quarterly Current Account Switch Service data, 12 months to March 2026, gross and net gains, based on the latest available data.
’Share our profits with our members’ refers to our Fairer Share payment. Each year since 2023, we’ve paid £100 to eligible members with a qualifying current account and a qualifying mortgage or savings. 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 2026 Fairer Share Payment.
‘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.
‘The UK’s number 1 for customer satisfaction’ refers to the UK Customer Satisfaction Index (July 2026). The UK Customer Satisfaction Index (UKCSI) provides an objective, independent perspective on the state of customer satisfaction in the UK across 13 sectors. UKCSI scores are based on customers’ responses on over 25 measures covering transactional experiences and broader aspects of customers’ relationships with organisations. The UKCSI is published twice a year in January and July by The Institute of Customer Service.