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FlexPlus current account

Worldwide family travel and mobile phone insurance, plus UK and European breakdown cover.

With a Five-Star Rating from Moneyfacts.

£18 monthly fee

Current account Switch guarantee logo

Information:

Our £200 member-exclusive switch offer ended on 10 July 2025. If you applied to switch to us on or before then, you can still get our offer. You just need to meet the offer terms – PDF, 61KB (opens in a new window).

Why choose our FlexPlus

  • Worldwide travel insurance cover for your family, for trips up to 31 days
    This includes cover for winter sports, travel disruptions and more from Aviva Insurance Limited. You can also upgrade your travel insurance to get the holiday cover you need.

  • 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 Assurant.

  • Vehicle breakdown cover in the UK and the rest of Europe
    Includes cover for any eligible vehicle you're travelling in plus any vehicles you own, even if somebody else is driving. Provided by the AA.

  • Use your card while you're on holiday
    There are no Nationwide charges for using your card abroad or in a non-sterling currency.

  • 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 Regular Saver and Flex Instant Saver.

  • £50 interest-free on an arranged overdraft
    If you're eligible for an arranged overdraft, the first £50 is interest-free. So you won't get stung if you go a little overdrawn. After that, you’ll pay 39.9% a year compounded (variable).

Apply for FlexPlus

FlexPlus Arranged Overdraft Representative Example

38.2% APR Representative (variable). Based on an assumed arranged limit of £1,200 and an interest rate of 0% on the first £50, then 39.9% a year (variable).

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.

Note:

Exclusions, limitations and excesses apply to the insurances. Make sure you read more about each of the insurance policies, including their policy documents, before you apply for this account.

FlexPlus is Five-Star Rated

FlexPlus has been given a Five-Star Rating from Moneyfacts. Their experts compare thousands of products to recognise those that stand out from everyone else.

Insurances that come with your FlexPlus account

Travel insurance

For you and your family's globetrotting adventures. Provided by Aviva.

More about travel insurance

Mobile phone insurance

For your family's mobile phones, no matter where you take them. Provided by Assurant.

More about mobile phone insurance

Breakdown cover

For journeys anywhere in Europe. Provided by the AA.

More about breakdown cover

The UK's best high street banking provider for service

We have been rated the UK’s best high street banking provider for customer satisfaction in the building society and banking sector.

Reported by The UK Customer Satisfaction Index (January 2025) published by The Institute of Customer Service. 19 banking providers appear in the survey. Our high street banking provider peer group consists of those banks in the survey that have their own branches (excluding hubs and the Post Office). 

More about how we’re a good way to bank

Bank your way

  1. Our banking app

    Our banking app makes it easy to securely bank how you want, when you want.

  2. Chat with us 24/7

    Chat with a real person 24 hours a day, 7 days a week using the chat service in our internet bank and banking app.

  3. 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.

  4. Pay contactless

    Make contactless payments up to £100 with your Visa debit card, or pay with your phone using Apple Pay, Google Pay or Samsung Pay.

  5. UK call centres

    We believe you’re best served by people living and working in your communities. At times to suit you.

  6. Come into a branch

    We have over 600 branches up and down the UK, for when you want to talk to someone face to face. Find your nearest branch

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

Fees, charges and important documents

Before you apply, make sure you read the following documents.

Charitable Assignment

You should also read the following documents for the insurances.

With FlexPlus, you'll be charged £18 a month.

Charges can also apply for:

There are no Nationwide charges for using your card abroad.

Note:

There may be additional charges from cash machines, retailers or banks when you withdraw or spend money abroad or in a foreign currency. Check before you make the transaction.

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.

See a full comparison of our everyday bank accounts

If you can't view the whole table, swipe or scroll to show more > > >

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Note:

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.

We also have a quick guide to using your current account covering your everyday banking.

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.

Find out more about the FSCS - PDF, 2MB (opens in a new window)