FlexOne current account
Our fee-free children's account for 11- to 17-year-olds to help you manage your money and earn interest.
Why choose our FlexOne
Take your first steps into banking
You can save your pocket money or, if you have a job, your wages can be paid in directly. You’ll get 2% AER (1.98% gross a year) variable on balances up to £1,000. We calculate interest every day and pay it once a month into your account.
Bank how you like
You can manage your account online, via our Internet Bank or Banking app, over the phone, or in branch.
No fees for maintaining the account, even when you’re travelling
We don’t charge any monthly fee for maintaining the account. You can even pay with your card while on holiday and there’s no Nationwide transaction fee.
An account that will grow with you
You can keep your FlexOne until you’re 23. We’ll then move you to a FlexAccount or FlexDirect.
A choice of 2 cards
If you're aged 11 to 17 and a half, you can choose between a cash card and Visa debit card with our children's bank account. Cash cards can only be used to get money from cash machines and print mini statements. From 17 and a half, you’ll need to use a Visa debit card.
A savings account just for FlexOne current account members
By opening a FlexOne current account, you are eligible for a FlexOne Saver account. From aged 16, other savings acounts are available to you.
If you're 11 or 12 years old you can only open your account by using a tablet in one of our branches. You'll need to make sure you're with an adult with parental responsibility when you apply. Remember, you'll both need to bring ID with you.
To apply for FlexOne
You need to:
- be 11 to 17 years old
- be a UK resident
- agree the account is for personal use only.
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
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.
Visa debit cardFind out more about contactless with a FlexOne
You'll be set up to make contactless payments up to £45 with your Visa debit card.
Choose your card
When you open a FlexOne current account, depending on your age you’ll need to choose between a cash card or a Visa debit card.
Once you’re 18, we’ll automatically switch you to a Visa debit card if you don’t already have one.
|Feature||FlexOne cash card||FlexOne Visa debit card|
|Can be used at cash machines||Yes||Yes|
|Take up to £300 out per day at a cash machine||Yes||Yes|
|Pay for things in shops||No||Yes|
|Buy things online||No||Yes|
|Buy things over the phone||No||Yes|
|Contactless payments up to £45||No||Yes|
|Pay for things with your mobile phone||No||Yes|
Contactless with you in control
We're always working hard to keep our younger members and their money safe. So, if you apply for a FlexOne, the debit card will be limited to £45 for contactless payments in the UK. This is instead of the usual £100.
As a parent, you can also restrict the ability to make contactless payments further. For that little bit of extra security. You just need to call us to discuss contactless.
I'm 18 and over and already have a FlexOne
Your FlexOne debit card will be limited to £45 for contactless payments the UK. But we have a great range of adult current accounts available. They all come with a £100 limit for contactless payments.
Fees, charges and important documents
Before you apply, make sure you read the following documents.
We don’t charge a monthly fee for maintaining the account or for anything else.
Apply for FlexOne
Your age will impact how you can apply for FlexOne.
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.