FlexPlus current account
Get worldwide travel, mobile phone and European breakdown cover. Pay just £13 a month for maintaining the account.
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.
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.
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.
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.
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.
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.
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.
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.
Fees, charges and important documents
Before you apply, make sure you read the:
And the policy documents for the insurances:
With FlexPlus, you’ll be charged £13 a month for maintaining the account.
Charges can also apply for:
There are no Nationwide charges for using your card abroad.
Apply for FlexPlus
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.
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.
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.
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.