What is MoneyWatch?

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MoneyWatch is a free service available to members with a current account who use our Internet Bank and/or Banking app.

It enables you to track your money month-by-month and builds up a picture of what you’re spending in your current account. It can also alert you if big bills are coming in, or if something out-of-the-ordinary happens in your current account.

These are just some of the things MoneyWatch can tell you:

What money you've got coming in

Everything is broken down in bite-sized chunks so it's easy to understand

When large payments are due

It can also warn you about any unusual or unexpected payments

How much you've spent on an overseas holiday

With a helpful overview to go through once you're home

You can also influence what you see, so you can easily get to the MoneyWatch features that are most important to you.

Watch our video to find out more about MoneyWatch


It recognises significant activity and spending on your current account, including mortgage/rent payments, Direct Debits or trips to the petrol station.

MoneyWatch generates up-to-the-minute information every time you log in to the Internet Bank or Banking app.

You don’t have to act on the information, but it’s there if you want to use it. 

Look for the MoneyWatch window in the top left-hand corner of your ‘accounts overview’ page in the Internet Bank. If you’re using our Banking app on your mobile, look for the bell icon on the top left of your screen.

Each time you receive a certain type of information from MoneyWatch, you can rate how useful this is to you. This rating will help MoneyWatch tailor the type of information you receive in the future.

You can also choose whether you receive MoneyWatch updates in the ‘management’ section of the service.

Please note: if you are a new current account customer, it can take up to eight weeks for MoneyWatch to become available to you.

MoneyWatch uses the last six months of activity on your current account. The information it offers is predictive. It’s there as a guide to help you manage and understand your money better.

For example, MoneyWatch will look at any scheduled payments you have coming up, and it will let you know if it looks like you might not have enough funds to cover these.

All current account holders with access to the Internet Bank or Mobile Banking app have access to MoneyWatch.

Joint account holders may not receive the exact same information because what you see depends on when you log in. But all transactions, regardless of which account holder made them, are used to come up with the information MoneyWatch offers.

No. All your personal information is securely held within Nationwide and not shared with any 3rd parties. Please see our privacy information page for more details

Yes, it’s easy to do in the Internet Bank or in our Banking app. In the Internet Bank click on the cog icon in the top right-hand corner of the MoneyWatch window and then slide the ‘opt-out of MoneyWatch service’ to off. In the banking app click on the cog icon in the MoneyWatch window and then move the MoneyWatch slider to the off position. You can opt back in to Moneywatch anytime.

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