Current accounts and savings

Daily withdrawal limits

How much cash you can take out depends on the type of account you have and where you’re making the withdrawal.


For joint accounts, each account holder can withdraw the maximum amount from their savings account in the UK, or their current account in the UK or abroad.

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Maximum withdrawal amounts per day for Nationwide current and savings account, depending on how you access the cash.
Cash machine Cash in Nationwide branch Counter draft in Nationwide branch UK post office
FlexAccount, FlexPlus and FlexBasic £500 £500 £10,000 £500
FlexDirect £500 £500 £10,000 £500
FlexStudent and FlexGraduate £500 £500 £10,000 n/a
FlexOne £300 £300 £10,000 n/a
Smart card £300 £500 £10,000 n/a
CashBuilder card £500 £500 (minimum £100) £10,000 n/a
Regular savings £500 £500 (minimum £300) £10,000 n/a
InvestDirect £500 n/a n/a n/a
Flexclusive Saver n/a £500 £10,000 n/a
Instant Access Saver £500 £500 £10,000 n/a
Limited Access Saver £500 £500 £10,000 n/a

FlexDirect and InvestDirect withdrawals

If you have a FlexDirect account, you can make withdrawals from a Nationwide branch counter if a cash machine is unavailable.

For InvestDirect account holders, in the event of a postal strike or a cash machine breakdown, you can request an emergency withdrawal in branch. You will need to show ID.

Cash machine charges

We won't charge you for using UK cash machines, but cash machine providers sometimes have their own charges. Check before using.

Credit card daily withdrawal limits

The minimum you can withdraw from a cash machine in the UK or abroad, or in a Nationwide branch using any credit card, is £10 per day.

The maximum amount each card holder can withdraw per day from a cash machine is £300.

The maximum withdrawal in a Nationwide branch is £500.

Branch counter and passbook withdrawals

Cash withdrawals up to £2,000

You can visit your local branch.

We don't need any notice. We should be able to offer this on the day.

Cash withdrawals over £2,000

We'll try to offer this on the day. But it depends on the amount of cash the branch has available.

To avoid any inconvenience, we recommend giving the branch at least 1 full working day's notice (Saturday is not a working day). Please allow an extra day for bank holidays or an extra 2 days when there is more than a day's bank holiday.

When collecting your money, please bring ID to prove your name and address.

What day of the week your cash will be ready, depending on when you make your request.
When the cash is requested When the cash is available
Monday Wednesday
Tuesday Thursday
Wednesday Friday
Thursday Saturday, or Monday if branch is closed
Friday Tuesday
Saturday Tuesday

Larger withdrawals

If you need to make a larger withdrawal, there are some extra things we'll need.

We may ask you to answer a few questions about the cash withdrawal. We do this to help keep your money safe and check for scams.

If you request a counter draft over £10,000, you'll need to provide ID to prove your name and address.

You can withdraw up to £500,000 per day with a counter draft, subject to the terms and conditions of your account.

Contact us

If you still have questions, get in touch and we’ll be happy to help.