Coronavirus (COVID-19) and travel insurance

FlexPlus Travel insurance has changed as a result of the coronavirus pandemic. If you’re thinking about opening a FlexPlus account, make sure you read the Summary of Changes document as this forms part of your policy.

You are no longer covered for cancelling your trip due to COVID-19 or a pandemic, before you travel, unless it is for medical reasons. This applies to all trips booked, or new accounts opened, on or after 1 January 2021.

For more information about travel insurance during coronavirus, read our travel and coronavirus information page.

FlexPlus rates, fees and overdraft details

Here's the important bit - all the details and fees for FlexPlus.

What you'll pay for your FlexPlus account

FlexPlus fee of £13 a month for maintaining the account - the account fee is payable on the last day of each month.

Remember, FlexPlus comes with lots of insurance products and account benefits. Find out what you could get for your money.


You can apply for an arranged overdraft with FlexPlus at any time. An arranged overdraft can be useful for short-term borrowing. We’ll take a look at your circumstances to see what we can offer you. You’ll need to be 18 or over, and a UK resident.

Our overdrafts page can help you compare our arranged overdrafts, and find out how much one might cost.

If you’d like to know how much we can offer you before you apply, you can try our eligibility tool for FlexPlus. Don’t worry, this won’t affect your credit score.

FlexPlus Arranged Overdraft Representative Example:

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

How does our overdraft compare?

A good way to compare the cost of our overdraft with other overdrafts or other ways of borrowing is to look at the representative APR. The APR shows the cost of borrowing as an annual rate.

Staying in your arranged overdraft over a long period can be an expensive way to borrow.

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.

Other charges and fees

We've shown you the main rates and fees that most people want to know above. For the full list of all our current interest rates and other fees and charges please download our latest interest rates and charges leaflet (This link will open in a new window).
To help you understand the fees for this account, please read the Fee Information Document.
For past rates and charges, see our current account support section.
To see what charges we make for payments in other currencies and using your card abroad, see our using your cards abroad section.

Important information

All rates and fees are subject to change, and we may decide when to apply and waive any account fees.

You need to be 18 or over to apply for a FlexPlus account.

It's easy to apply for a new FlexPlus account

Ready to Apply?

Your borrowing choices

It’s a good idea to consider different types of borrowing. The best option for you depends on the amount you want to borrow, and how long for. We’ll need to check before we can offer you a loan, overdraft, or credit card. It will depend on our view of your circumstances.

A credit card

We have a credit card just for our members who hold a current account, mortgage or savings account with us.

Member Credit Card

A loan

We can give you a personalised quote and tell you whether you're likely to be accepted before you are credit scored.

Nationwide personal loans

Other ways to borrow

If you're not sure what type of borrowing might suit you best, try our guide to the different types of borrowing.

Different types of borrowing
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Advertised rates correct as 1 May 2020 and this rate can be changed at any time.

All rates and charges are subject to change and we may decide when to apply and waive any account charges.