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FlexPlus current account

Worldwide family travel and mobile phone insurance, plus UK and European breakdown cover.

£18 monthly fee

Current account switch guarantee

Middle East travel disruption:

If you need to claim on your FlexPlus travel insurance, or get more information and help, check our Middle East travel help page first.

Our £175 current account switch offer

Get £175 by switching your current account to us. Limited time only. Terms apply.

Why choose our FlexPlus

  • Worldwide travel insurance cover for your family, for trips up to 31 days
    This includes cover for winter sports, travel disruptions and more from Aviva Insurance Limited. You can also upgrade your travel insurance to get the holiday cover you need.

  • Mobile phone insurance for the whole family
    Your phone and those belonging to your partner and dependent children are covered for loss, theft, damage and faults by Assurant.

  • Vehicle breakdown cover in the UK and the rest of Europe
    Includes cover for any eligible vehicle you're travelling in plus any vehicles you own, even if somebody else is driving. Provided by the AA.

  • Use your card while you're on holiday
    There are no Nationwide charges for using your card abroad or in a non-sterling currency.

  • Access to other Nationwide products
    Opening a FlexPlus is one way to become a member of Nationwide. Our current account members get access to exclusive savings accounts, like our Flex Regular Saver and Flex Instant Saver.

  • £50 interest-free on an arranged overdraft
    If you're eligible for an arranged overdraft, the first £50 is interest-free. So you won't get stung if you go a little overdrawn. After that, you’ll pay 39.9% a year compounded (variable).

Apply for FlexPlus

FlexPlus Arranged Overdraft Representative Example

38.2% APR Representative (variable). Based on an assumed arranged limit of £1,200 and an interest rate of 0% on the first £50, then 39.9% a year (variable).

To apply for FlexPlus

You need to:

  • be 18 or over
  • be a UK resident
  • agree the account is for personal use only
  • hold no more than 3 existing sole or joint Nationwide current accounts.

Note:

Exclusions, limitations and excesses apply to the insurances. Make sure you read more about each of the insurance policies, including their policy documents, before you apply for this account.

We're Which? recommended

We’re proud to be a Which? Recommended Provider for current accounts.

It's easy to see why more people switch to us than anyone else. We share our profits with our members, keep our branches open and are the UK’s number 1 for customer satisfaction.*

Insurances that come with your FlexPlus account

Travel insurance

For you and your family's globetrotting adventures. Provided by Aviva.

More about travel insurance

Mobile phone insurance

For your family's mobile phones, no matter where you take them. Provided by Assurant.

More about mobile phone insurance

Breakdown cover

For journeys anywhere in Europe. Provided by the AA.

More about breakdown cover

Simple, secure banking on our app. Used by 7 million members

Rated 4.8 stars in App Store and 4.8 stars in Google Play (mobile only). Ratings for the phone app as of August 2026.

Everyday banking

Send money, pay bills, check recent transactions, download statements and more.

Freeze your debit card

Stop your card being used if it goes missing. Unfreeze it if it turns up or order a replacement if it doesn't.

Safe and secure

Log in with your fingerprint or face. Quickly confirm it's you when you make a big purchase.

Easy to open and Rated by Moneyfacts

Whether you’re opening a new account or switching, we’ve got a Five-Star Rating from Moneyfacts for making it as easy as possible. And FlexPlus has a Four-Star Rating as a packaged account that stands out from most others.

Bank your way

  1. Use our app

    The Nationwide app makes it easy to securely bank how you want, when you want.

  2. Chat with us 24/7

    Chat with a real person 24 hours a day, 7 days a week using the chat service in our app and internet bank.

  3. Keep track of your money

    Stay up-to-date with alerts from our app or by text. And you can go paperless to keep track digitally.

  4. Pay contactless

    Make contactless payments up to £100 with your Visa debit card, or pay with your phone using Apple Pay, Google Pay or Samsung Pay.

  5. UK call centres

    We believe you’re best served by people living and working in your communities. At times to suit you.

  6. Come into a branch

    We have over 600 branches up and down the UK, for when you want to talk to someone face to face. Find your nearest branch

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, Android, Google Pay and Google Wallet are trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Join the UK’s number 1 for customer satisfaction

We're the number 1 brand in the UK for customer satisfaction, according to the UK Customer Satisfaction Index. The UK's independent professional customer service body.

More about how we're a good way to bank

Fees, charges and important documents

Before you apply, make sure you read the following documents.

Charitable Assignment

You should also read the following documents for the insurances.

With FlexPlus, you'll be charged £18 a month.

Charges can also apply for:

There are no Nationwide charges for using your card abroad.

Note:

There may be additional charges from cash machines, retailers or banks when you withdraw or spend money abroad or in a foreign currency. Check before you make the transaction.

Apply for FlexPlus

What we'll ask when you apply

Before you start, it's a good idea to have these ready:

  • your address history for the past 3 years
  • if you have one, a valid UK passport or driving licence

A passport or driving licence will make applying a bit quicker, but don't worry if you don't have one. You'll still be able to apply. If you apply without ID, we might ask you to come into a branch later to prove your identity.

Apply now

When you apply for FlexPlus, 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 a FlexPlus.

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.

See a full comparison of our everyday bank accounts

If you can't view the whole table, swipe, scroll, or rotate your phone 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.

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

Looking after your money

We're committed to keeping your money safe. And as well as the security you get from us, you're also protected by the Financial Services Compensation Scheme (FSCS).

This means the money across all your Nationwide and Virgin Money accounts is covered up to £120,000 per eligible person (or a combined £240,000 for joint accounts). This applies if we're unable to meet our financial commitments or stop trading.

*‘More people switch to us than anyone else’ refers to Pay.UK quarterly Current Account Switch Service data, 12 months to January 2026, gross and net gains, based on the latest available data.

’Share our profits with our members’ refers to our Fairer Share payment. Each year since 2023, we’ve paid £100 to eligible members with a qualifying current account and a qualifying mortgage or savings. It's our intention to make a payment every year, but this will depend on how we perform financially. We may change the amount and the eligibility criteria based on that performance. See the eligibility criteria for the 2026 Fairer Share Payment.

‘Keep our branches open’ refers to our promise to keep every one of our branches open until at least the start of 2030. Excludes circumstances beyond our control. Branch opening times may vary. Learn more about our Branch Promise.

‘The UK’s number 1 for customer satisfaction’ refers to the UK Customer Satisfaction Index (July 2026). The UK Customer Satisfaction Index (UKCSI) provides an objective, independent perspective on the state of customer satisfaction in the UK across 13 sectors. UKCSI scores are based on customers’ responses on over 25 measures covering transactional experiences and broader aspects of customers’ relationships with organisations. The UKCSI is published twice a year in January and July by The Institute of Customer Service.