£175 when you switch to Nationwide
A £175 bonus when you switch your bank account to us. Limited time only. Terms apply.
How to get our switch offer
Choose an account and apply
Switch to a new or existing FlexDirect, FlexAccount or FlexPlus. You need to switch from a non-Nationwide or non-Virgin Money current account.
Your old account needs to have at least 2 Direct Debits for us to move over.
Start your switch
Start a full switch using the Current Account Switch Service. A full switch includes us closing your old account.
Your switch must complete within 28 days.
After you apply
Pay in £1,000 and make 1 debit card payment. You need to do this within 31 days of your new account opening or when you applied to switch to an existing account. Restrictions apply.
This must be the first time you've had one of our switch offers on an eligible sole or joint account. For more information, read the full offer terms - PDF, 50KB (opens in a new window).
Check if you can get our switch offer
Answer a few questions in our eligibility checker.
Questions about the offer
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, are first in high street banking satisfaction and keep our branches open.*
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.
- Access to interest on balances up to £1,500*
- Access to 1% monthly cashback for the first 12 months*
- Online banking only
*Conditions apply
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
Get more from your banking when you switch
Access to exclusive products
A Nationwide current account gets you access to our credit cards, personal loans and some savings accounts. Like our Flex Regular Saver.
£50 interest-free on an arranged overdraft
No problem if you go a little overdrawn with a FlexAccount, FlexDirect or FlexPlus. After the first £50, you'll pay 39.9% a year compounded (variable).
Our Branch Promise
We know how important banking in person is. So we've promised to keep all of our branches open until at least the start of 2030. That's our Branch Promise.
Bank how you choose
From the ease of everyday banking on our app to knowing you can talk to a real person when it matters over the phone or in a branch – we're here for you.
Switch and you could get a 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.
We'd like to make a Fairer Share payment every year, but it's not guaranteed. It depends on our financial performance. And we may change both the amount and the eligibility criteria.
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.
What happens when you switch
Apply to switch your bank account
When you apply for a bank account, we’ll ask if you want to switch your existing bank account to us. Let us know your existing bank account details and when you want to switch, and we’ll start the process.
During days 1 to 6 of your switch
Keep using your old bank account and card. We’ll request all your payment arrangements from your old building society or bank, including your Direct Debits and standing orders, to switch to your new account. You don’t need to do anything.
Complete your switch on day 7
Your switch completes. We’ll have moved all your Direct Debits, standing orders and remaining money from your old bank account to your new bank account. Your old provider will cancel your card and close your old bank account. It’s time to use your new Nationwide card.
After your switch completes
We’ll redirect payments from your old account. This means any payments still going to your old account, like your salary or pension, will be redirected to your new account. And we’ll tell the organisation making the payments about your new account details. You should also let them know your new account details.
What’s included when moving your bank account to Nationwide
To get our £175 switch offer, you'll need to complete a full switch and meet our other switch offer terms - PDF, 50KB (opens in a new window).
You can find out what is and isn't included in a full switch here. But there are other ways you can switch to Nationwide, like partial and manual switches, that won't qualify for the £175 offer.
What is included in a full switch:
Your account balance.
Closing your old account once the switch is complete. This means your old debit card will stop working.
Your list of payees (everyone you’ve sent payments to), so you won’t need to ask for their details again.
Any new payments you've set up a week or more before your switch date. Once you're within 7 days of your switch date, it's best to set them up on your new account.
Regular income like your salary, pension or benefits payments.
Regular outgoings such as utility bills.
A safety redirect to catch payments sent to your old account in case someone doesn’t use your new account details. We can also contact the sender and give them your new account details. If you don’t want us to do this, just let us know.
Updates on the progress of your account switch if you give us your contact details when you apply.
What is not included in a full switch:
Regular bills and subscriptions you pay with your debit card, such as Netflix and Amazon Prime. (You’ll need to give them your new debit card number.)
Any arranged overdraft you have. You can apply for an arranged overdraft with us when you switch, and we’ll look at your circumstances to see if we can offer you one. We cannot guarantee you’ll get the same arranged overdraft as with your old provider.
Mobile payments like Apple Pay. You’ll need to set these up again using your new debit card.
Your transaction history. It’s best to request or download copies from your old provider.
Sweeping payment arrangements. These are services set up with third party providers to make payments for you. These are different to Direct Debits.
Access to your financial data. If you've allowed third party providers to access your financial data, you'll need to set these up again after you switch.
*‘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.
‘First in high street banking satisfaction’ refers to ‘Best high street banking provider for customer satisfaction’ in the building society and banking sector, as reported by The UK Customer Satisfaction Index (January 2026) published by The Institute of Customer Service. Of the 18 banking providers included, our high street banking peer group consists of banking brands with their own branches (excluding hubs and the Post Office).
‘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.