Compare our everyday adult current accounts
This table shows the key features of our 3 everyday adult current accounts, to help you choose the best account for you.
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| About | Fees | Branch access and telephone support | Arranged overdraft available | Rewards and benefits | Switch your current account to Nationwide | Can be a joint account? | Card features | Text alerts to help you manage your current account | Internet Bank, Banking app and telephone banking access | Additional extras | Find out more and apply | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Our packaged bank account. Get worldwide family travel and mobile phone insurance, plus UK and European breakdown cover. Conditions apply. | £18 a month | Unlimited access | Yes, depending on our view of your circumstances. 0% for the first £50, then 39.9% APR Representative (variable) |
| You can switch to a FlexPlus in just 7 working days. | Yes | Yes | Yes | Yes | Chequebook on request. Optional paperless statements. | ||
Our self-service bank account that pays you to bank with us. Get 5% interest on your money and 1% cashback on debit card purchases for 12 months. Conditions apply. | No monthly fee | Limited access. You’ll bank online most of the time | Yes, depending on our view of your circumstances. 0% for the first £50, then 39.9% APR Representative (variable) |
| You can switch to a FlexDirect in just 7 working days. | Yes | Yes | Yes | Yes | Chequebook on request. Paperless statements. | ||
Our everyday bank account. Bank your way. | No monthly fee | Unlimited access | Yes, depending on our view of your circumstances. 0% for the first £50, then 39.9% APR Representative (variable) |
| You can switch to a FlexAccount in just 7 working days. | Yes | Yes | Yes | Yes | Chequebook on request. Optional paperless statements. |
| FlexPlus | FlexDirect | FlexAccount | |
|---|---|---|---|
| About | Our packaged bank account. Get worldwide family travel and mobile phone insurance, plus UK and European breakdown cover. Conditions apply. | Our self-service bank account that pays you to bank with us. Get 5% interest on your money and 1% cashback on debit card purchases for 12 months. Conditions apply. | Our everyday bank account. Bank your way. |
| Fees | £18 a month | No monthly fee | No monthly fee |
| Branch access and telephone support | Unlimited access | Limited access. You’ll bank online most of the time | Unlimited access |
| Arranged overdraft available | Yes, depending on our view of your circumstances. 0% for the first £50, then 39.9% APR Representative (variable) | Yes, depending on our view of your circumstances. 0% for the first £50, then 39.9% APR Representative (variable) | Yes, depending on our view of your circumstances. 0% for the first £50, then 39.9% APR Representative (variable) |
| Rewards and benefits |
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| Switch your current account to Nationwide | You can switch to a FlexPlus in just 7 working days. | You can switch to a FlexDirect in just 7 working days. | You can switch to a FlexAccount in just 7 working days. |
| Can be a joint account? | Yes | Yes | Yes |
| Card featuresContactless, Apple Pay, Google Pay and Samsung Pay | Yes | Yes | Yes |
| Text alerts to help you manage your current account | Yes | Yes | Yes |
| Internet Bank, Banking app and telephone banking access | Yes | Yes | Yes |
| Additional extras | Chequebook on request. Optional paperless statements. | Chequebook on request. Paperless statements. | Chequebook on request. Optional paperless statements. |
| Find out more and apply |
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
This is only for people who don't hold another UK current account or don't qualify for our other current accounts.
Related links
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.
Protecting your money
The Financial Services Compensation Scheme (opens in a new window) (FSCS) is a free, independent service that protects up to £85,000 of your eligible money at Nationwide.