How to get our switch offer
Choose one of our current accounts and apply
Choose a new or existing FlexDirect, FlexAccount or FlexPlus and start your application. You need to be switching from a non-Nationwide or non-Virgin Money current account.Request a full switch when you apply
You’ll need to complete your switch within 28 days. You need to have at least 2 Direct Debits for us to move over, and ask us to close your old account during the switch.Deposit £1,000 and make a payment with your debit card
After your account is open or you've applied to switch to an existing account, you'll have 31 days to pay in £1,000 and pay for something with your card. Restrictions apply.Get your £175
We'll pay the £175 into your account within 10 days of you meeting all the requirements.
This must be the first time you've had one of our switch offers on an eligible sole or joint account. We may end, change or replace this offer at any time. For more information, read the full offer terms - PDF, 50KB (opens in a new window).
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.*
Choose your account
You can get £175 by switching to a new or existing FlexDirect, FlexAccount or FlexPlus.
If you already have one of these accounts, you can switch by logging in to our internet bank. Not sure how? Find out how to switch to an existing account (opens in a new window).
FlexDirect
Our online bank account with cashback and interest. Conditions apply.
- Access to interest on balances up to £1,500
- Access to 1% monthly cashback for the first 12 months
- Online banking only
No monthly fee
FlexAccount
Our everyday bank account.
- Bank online, in a branch or by phone with our UK call centre
No monthly fee
FlexPlus
Our packaged bank account.
- Worldwide family travel and mobile insurance
- UK and European breakdown cover
- No Nationwide fees for using your card abroad
- Bank online, in a branch or by phone
£18 monthly fee
We make opening an account easy
Whether you're opening an account today or switching, we keep it simple. And the experts at Moneyfacts agree. We've got a Five-Star Rating for making it as easy as possible to start banking with us.
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 March 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.