FlexAccount current account
Our everyday bank account that lets you bank your way. No monthly fee. Rated Five-Star by Moneyfacts.
Why choose our FlexAccount
Our everyday, fee-free bank account
We don't charge a monthly fee for maintaining the account. And you can pay in and access your money any time.£50 interest-free on an arranged overdraft
If you're eligible for an arranged overdraft, the first £50 is interest-free. So you won't get stung if you go a little overdrawn. After that, you’ll pay 39.9% a year compounded (variable).Start saving with a Nationwide savings account
We want it to be easy for you to start saving right away. So, we can also open a savings account with your new current account when you apply online. If you don’t want one, just let us know.Access to other Nationwide products
Opening a FlexAccount is one way to become a member of Nationwide. Our current account members get access to exclusive savings accounts, like our Flex Regular Saver and Flex Instant Saver.
FlexAccount is Five-Star Rated. Again.
For the second year running, FlexAccount has a Five-Star Rating from Moneyfacts. Their experts compare thousands of products to recognise those that stand out from everyone else.
The UK's best high street banking provider for service
We have been rated the UK’s best high street banking provider for customer satisfaction in the building society and banking sector.
Reported by The UK Customer Satisfaction Index (January 2025) published by The Institute of Customer Service. 19 banking providers appear in the survey. Our high street banking provider peer group consists of those banks in the survey that have their own branches (excluding hubs and the Post Office).
Bank your way
Our banking app
Our banking app makes it easy to securely bank how you want, when you want.
Chat with us 24/7
Chat with a real person 24 hours a day, 7 days a week using the chat service in our internet bank and banking app.
Keep track of your money
You can set your text alert preferences to help you manage your money. And you can go paperless to help keep track digitally.
Pay contactless
Make contactless payments up to £100 with your Visa debit card, or pay with your phone using Apple Pay, Google Pay or Samsung Pay.
UK call centres
We believe you’re best served by people living and working in your communities. At times to suit you.
Come into a branch
We have over 600 branches up and down the UK, for when you want to talk to someone face to face. Find your nearest branch
Apply for FlexAccount
What we'll ask when you apply
Before you start, it's a good idea to have these ready:
- your address history for the past 3 years
- your employer's address (if you're employed)
- if you have one, a valid UK passport or driving licence
A passport or driving licence will make applying a bit quicker, but don't worry if you don't have one. You'll still be able to apply. If you apply without ID, we might ask you to come into a branch later to prove your identity.
Apply now
When you apply for FlexAccount, you can:
- apply for a brand new bank account
- switch your current account from another building society or a bank to us, or
- change your existing Nationwide current account to FlexAccount.
Quick comparison of our everyday bank accounts
We offer a few different current accounts. Check that you’re applying for the right account for you.
If you can't view the whole table, swipe or scroll to show more > > >
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Note:
If you don’t qualify for a FlexAccount, FlexDirect or FlexPlus current account, you may be offered a FlexBasic account.
Jargon explained
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest were paid and compounded each year.
Gross a year is the interest rate without tax deducted.
APR stands for Annual Percentage Rate. It includes all the costs of borrowing including certain account fees and promotional rates. It’s for comparing costs between different products and providers.
Related links
I need help with my account
Our current account help section has the answers to our most commonly asked questions.
We also have a quick guide to using your current account covering your everyday banking.
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.