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 accounts 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.

Visit your local branch

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.

Ready to apply for our FlexOne children's bank account?

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

Manage your account your way

  1. 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.

  2. Visa debit card

    You'll be set up to make contactless payments up to £45 with your Visa debit card.

    Find out more about contactless with a FlexOne

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 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.

Related links

I need help with my account

Our current account help section has the answers to our most commonly asked questions.

We also have a quick guide to using your current account covering your everyday banking.

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.