Features and benefits

  • Completely fee-free, even overseas

    We don't charge a monthly fee for maintaining the account or for anything else.

  • Make the most of your money

    You’ll get 0.1% AER / 0.09% gross a year (variable) on balances up to £1,000. We calculate interest every day and pay it once a month.

  • 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. Cash cards can only be used to get money from cash machines and print mini statements. If you're older, you'll need to use a Visa debit card.

  • Pay in money
    Save your pocket money or, if you have a job, your wages can be paid directly into your bank account.

  • Text alerts to help you keep track

    You can register for text alerts to help you keep track of your account balance.

  • Bank how you like

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

  • Keep the benefits until you're 23

    You can hold a FlexOne until you turn 23, then we'll move you to one of our everyday bank accounts.

FlexOne comes with everything you’d expect from your current account. It includes optional paperless statements on request. You can also sign up for text alerts to help you manage your money.

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.


FlexOne accounts for 11- and 12-year-olds can only be opened over the phone or at certain branches with a tablet. Contact your local branch to set up an appointment and find out what options are available.

Call your local branch

Ready to apply?

If you've already researched FlexOne 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

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.

A table showing the differences between FlexOne’s cash card and Visa debit card.
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 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 extra security. You just need to call us to discuss contactless.

I'm 18 and over and already have a FlexOne

Your FlexOne 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:

We don’t charge a monthly fee for maintaining the account or for anything else.

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.