Features and benefits

What's included

  • Fee-free

    There is no monthly fee for maintaining a basic bank account.

  • Text alerts to help you keep track

    Set your preferences for text alerts to help you manage your money. Register for text alerts.

  • Bank how you like

    Online, via our Internet Bank or Banking app, over the phone or in branch.

  • Available as a joint account

    This can be with your partner, a family member or a friend.

The FlexBasic current account comes with contactless card payments in the UK up to £100. It also comes with Apple Pay, Google Pay, Samsung Pay and Paym payments as well as optional paperless statements.

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.

To apply for FlexBasic

You need to:

  • be 18 or over
  • be a UK resident
  • not hold another UK current account and not be eligible for any of our other current accounts
  • agree the account is for personal use only.

What's not included

  • An arranged overdraft

  • A chequebook

  • Interest on credit balances

  • Insurance benefits


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

Fees, charges and important documents

There is no monthly fee for maintaining a basic bank account, but charges can apply for:


Applying for a current account​

To open a current account, you'll need:

  • your address history for the past 3 years
  • your employer's address (if you're employed)
  • a valid UK passport or a full UK driving licence.

Information:

You’ll still be able to apply for a current account if you don’t have a valid UK passport or a full UK driving licence, but we may need you to come in to branch with your ID. We’ll need to see proof of your name and your address.

Summary Financial Statement

When you open an account with us, we need to let you know about our most recent summary financial statement and auditors' report. Our summary financial statement is published in our Review of the Year document - PDF 5.9MB (opens in a new window). You can find our latest annual report and accounts, including our auditors' report, on our Results and Accounts page.

Member Prize Draw

When you bank with us you become a Nationwide member. Eligible members are automatically entered into our monthly Member Prize Draw. Age 18 and over, living in England, Scotland and Wales only (prize draw rules apply).


Check which current accounts we can offer you

Before you can apply for a FlexBasic current account, we need to check your eligibility for our other current accounts.

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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.