Switch to a FlexPlus 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 FlexPlus 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.

Why choose our FlexPlus

  • Travel insurance for your family, worldwide

    Worldwide family travel insurance, including winter sports, golf, weddings and business cover from U K Insurance Limited. Find out more about FlexPlus travel insurance.

  • 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 Lifestyle Services Group Limited. Find out more about FlexPlus mobile phone insurance.

  • Vehicle breakdown cover in the UK and the rest of Europe

    Whether you’re driving or a passenger in a vehicle, you’re covered by the AA. With no excess to pay and unlimited callouts. Find out more about FlexPlus breakdown cover.

  • Security from the start

    There’s no need to register before you claim. You can benefit from all the insurances as soon as your FlexPlus is open. 

  • 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 Instant Saver.


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 4 existing sole or joint Nationwide current accounts.


Limitations and exclusions apply to the insurances. Make sure you read the full information about the insurances before you apply.

Ready to apply?

If you've already researched FlexPlus 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

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 FlexPlus 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.

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

Insurances that come with your FlexPlus account

You’ll need to pay £13 a month to maintain the account, even if you can’t use the insurances.

It’s not possible to have a FlexPlus account without the insurances or the insurances without a FlexPlus account.


For more information about travel insurance during coronavirus, including information about refunds for upgrades, read our travel and coronavirus information page.

Travel insurance

For globetrotting adventures on your own or with your family.

Cover for your travel essentials including luggage, documents and cash that you can manage online. And to protect against travel-specific problems like delays, cancellations and medical expenses.

Limits and exclusions

There are excesses to pay when you make a claim. Please check that you and your family are covered under the terms of the policy before you apply. Especially if anyone has an existing medical condition or is 70 years old or over. You may be able to buy an optional upgrade to extend your cover.

Mobile phone insurance

For your family’s mobile phones, no matter where you take them.

Enjoy worldwide cover for phones up to the value of £2,000 each so they can be repaired or replaced if they’re lost, stolen, damaged or faulty. Make up to 4 claims each year.

Limits and exclusions

An excess is payable when you make a claim, and we’ll need proof of ownership. For incidents that happen abroad, claims will be fulfilled once you return to the UK. Please check all the limits, exclusions and excesses under the terms of the policy before you apply.

Breakdown cover

For your journeys anywhere in Europe, in any vehicle.

We’ll help if you breakdown at home or on the road in any vehicle. We’ll even help with your onward travel or a hire car for a day or two. There is no excess to pay and no limit to your callouts.

Limits and exclusions

Vehicles must be registered in the UK, taxed and fully serviced, and have a valid MOT. There are also weight and length limits on some vehicles such as motorhomes and caravans. Please check all the limits and exclusions under the terms of the policy before you apply.

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 FlexPlus – to find out how much we can 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.

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 > > >



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.

Nationwide adheres to The Standards of Lending Practice, which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk (opens in a new window).