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FlexAccount current account

Our everyday current account where you can bank your way with no monthly fee.

Switch to a FlexAccount and you could get up to £125

If you're not yet a member, you could get £100. If you're already a member, you could get £125. It’s another example of our mutual difference and giving back to our members. Complete a full switch online to a FlexAccount from another building society or a bank, and make sure you switch over 2 Direct Debits as part of your switch. We may change, replace or withdraw this offer at any time. Terms and conditions apply.

Find out more about how to get our switch offer

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. 

  • 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 Instant Saver.

To apply for FlexAccount

You need to:

  • be 18 or over
  • be a UK resident
  • agree the account is for personal use only
  • hold no more than 4 existing sole or joint Nationwide current accounts.

Ready to apply?

If you’ve already researched FlexAccount and know it’s the right bank account for you.

Make banking easier with our secure app

  • Manage all your Nationwide accounts in one place
  • View and search your transactions
  • Freeze and unfreeze your Visa Debit card
  • Report your card lost or stolen and order a new card
Take a tour of our Banking app

Manage your account your way

Pay with your phone

You can use Apple Pay, Google Pay, Samsung Pay or Paym.

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.

Bank together

You can open your FlexAccount as a joint bank account or add someone to it later. This could be a partner, a family member or a friend.

Visa debit card

You can make contactless payments up to £100 with your Visa debit card.

Optional chequebook

You can get a chequebook on request.

Apple Pay, Samsung Pay and Google Pay are available on selected devices and operating systems. Apple Pay and Apple are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay and Android are trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Arranged overdrafts

You can apply for an arranged overdraft at any time. When you do, we’ll look at your circumstances to see if we can offer you one. You’ll need to be 18 or over and a UK resident.

Find out more about overdrafts using our:

Overdrafts page — to understand how they work.
Overdraft calculator — to see how much one might cost.
Overdraft eligibility tool for FlexAccount — to find out how much we might be able to offer you, without affecting your credit score. If you do choose to continue, we’ll carry out a full credit check.

Switching to Nationwide

Fast — switch in just 7 working days. You choose the date, and we’ll let you know when it’s done.

Seamless — a dedicated team does it all for you. They’ll switch your payments, balance and even your list of payees.

Guaranteed — there shouldn't be any problems but if there are, you won't lose a penny.

Fees, charges and important documents

Before you apply, make sure you read the:

Charitable Assignment

We don't charge a monthly fee for maintaining the account, but charges can apply for:

Apply for FlexAccount

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.
Apply for 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.

See a full comparison of our everyday bank accounts

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.

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.

Find out more about the FSCS (PDF, 936KB)

Nationwide adheres to The Standards of Lending Practice, which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk (opens in a new window).