FlexDirect current account
Our online current account with access to 2% in-credit interest and an interest-free arranged overdraft for the first 12 months.
Switch to a FlexDirect 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 FlexDirect 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.
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
Manage your account your way
Designed for online and over the phone
FlexDirect must be managed online or over the phone where possible.
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 FlexDirect 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.
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.
Arranged overdraft eligibility tool for FlexDirect – to find out 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.
Apply for FlexDirect
When you apply for FlexDirect, 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 FlexDirect.
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.
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.