Text alert service

Keep on top of your balance with text alerts

Our text alert service helps you manage your money. If we have your mobile number, you’ll automatically receive unarranged overdraft alerts and suspected fraud alerts to help you keep an eye on your finances. There are also optional alerts you can choose from – just log in and select the ones you’d like to receive.

While our text alert service is free, your service provider may charge you if you receive text alerts outside of the UK.

Text alerts you'll automatically receive

Unarranged overdraft alerts

You'll automatically be opted in for these texts, helping you to avoid or reduce unarranged overdraft fees. Learn more

Suspected fraud alerts

If we spot an unusual transaction on your account, we'll text you to check it's genuine. Find out more on our fraud pages, or call 0800 464 3051 immediately if you think you've been affected by fraud. 

Text alerts to choose from

High balance alert

You can set a high balance value and receive a text alert when your balance reaches this amount, for example, when your salary is paid in.

Low balance alert

Receive a text to let you know your balance is close to zero or near your arranged overdraft limit (if applicable).

Unarranged overdraft text alerts

If you have a FlexAccount, FlexPlus or FlexDirect account and we hold an up to date mobile number for you, you’ll automatically receive text alerts when you’ve fallen in to an unarranged overdraft and also when you’re about to fall into an unarranged overdraft. These alerts let you know what you need to pay in, and by when, to help avoid or reduce any unexpected fees. If you decide these alerts aren’t for you, you can opt out at any time by texting STOP to 65037.

If a planned payment hasn’t been paid, payment retry alerts will let you know how long you have to pay in enough money so we can try making the payment again. If you don’t want to receive this retry alert, you can opt out at any time by texting STOP to 65180.

What's an overdraft?

An overdraft is a service we offer on some current accounts. It allows you to make withdrawals, payments and write cheques, even when you don’t have enough money in your account to cover them in the short term. It’s money you borrow from us.

An arranged overdraft is where we agree in advance that you may borrow money when there is no money left in your account. The agreement determines a maximum amount that can be borrowed, and whether fees and interest will be charged to you. An unarranged overdraft is where you borrow money when there is no money left in your account (or when you go past your arranged overdraft limit) and this has not been agreed with us in advance. Find out more about overdrafts and fees.

If you would like to set up or amend an arranged overdraft, you can do this by logging into our Internet Bank or our Banking app, or pop into your nearest Nationwide branch.

Grace period

All our members benefit from an unarranged overdraft grace period, designed to help you reduce or avoid unarranged overdraft fees. So long as you put enough money into your account and bring it back to a positive balance (or within your arranged borrowing limit) by 8:30pm the day after you go into an unarranged overdraft, you won’t incur an unarranged borrowing fee. 

Just so you’re aware, the grace period only applies to unarranged overdraft fees, not arranged overdraft fees. It won’t apply if you’ve been approached by our Collections & Recoveries Team and have a reducing overdraft.

When will I get the automatic unarranged overdraft alerts?

We’ll send you an alert:


  • When a scheduled payment that’s due to go out the next day will take you into an unarranged overdraft, we'll let you know the day before the payment
  • If you’ve gone into unarranged overdraft, we'll let you know the next day
  • If you don’t want to receive these texts, you can opt out at any time - just text STOP to 65037.

We’ll also send you an alert:


  • When a scheduled payment couldn’t be paid because there weren’t enough funds in your account, so you've got an opportunity to put money into your account by 2:30pm the same day
  • If you don’t want to receive these texts, you can opt out at any time - just text STOP to 65180.

Remember, we'll only text you about an unarranged overdraft, not an arranged overdraft.

How to register or update optional alert settings

How to register for free optional text alerts

You can update your settings for optional alerts in either the Internet Bank or our Banking app. To add or change your mobile number, visit our Internet Bank. It might take up to 24 hours for updates to take effect, so your old number may still continue to receive text alerts during this time. Find out more about how we use your information.

To update your alert settings online:

  • Log in to the Internet Bank
  • Hover over the ‘Manage my details and settings’ tab at the top of the page
  • Under ‘My settings’, select ‘Text alerts’ or 'My Details', select 'Change my phone number'
  • Choose the account you wish to update.

To change your alert settings in our Banking app:

  • Log in to the Banking app
  • From the menu at the top right, choose ‘Details and Settings’
  • Go to ‘Text Alerts’ and choose the optional alerts you’d like to turn on/off.

Registering your mobile phone with us

If you’d like to register a mobile with us to get text alerts, just log onto the Internet Bank and update the ‘Your details’ section. If you’re not registered for Internet Banking but would like to be, you can sign up at nationwide.co.uk/register. Alternatively, you can update your number with us in branch.

Receiving optional text alerts

Receiving optional text alerts

High and low balance and balance text alerts are normally delivered between 8am - 10am. Once you've registered, we'll send you a message to welcome you to the service. This will normally be sent the same day between 8am - 8pm.

You can receive text alerts abroad, but please check with your service provider for any charges you may incur.

Terms and conditions for optional text alerts

The following terms and conditions apply to optional Text Alerts

Registration

1. To receive Text Alerts you must hold a Nationwide current account. If you have more than one current account with us, you'll need to register to receive alerts for each account.

2. To receive text alerts you need a valid mobile phone number. Your alerts will only be sent to that number. Only one mobile number can be registered for each account holder. If you give us an invalid mobile number, we will not be liable if you don't receive your alert.

Receiving optional text alerts

3. Text Alerts will be sent once a day by text only. Nationwide will not charge you for Text Alerts. However, you are responsible for all fees made by your mobile network provider. Please be aware of all network fees, including any higher fees if you receive a Text Alert while abroad. Nationwide has no control over any fees made by your mobile network provider.

4. Depending on the service(s) you've subscribed for, the following alerts will be sent:
a) a mini-statement, consisting of your balance and the last five transactions on your account, sent at the times you've asked
b) a low balance alert, sent when your account has reached or dropped below the low balance limit you've set
c) a high balance alert, sent when your account has reached or exceeded the high balance limit you've set
d) any other important information which we believe you need to know.

5. The information in each Text Alert will be correct only on the date and time set out in the alert. However, the balance shown in any Text Alert may not include all transactions on your account or cheques you have written that are due to be debited from your account.

6. We will only send you low balance alerts for a maximum of 2 days. We will send you a high balance alert once each time your balance reaches or exceeds the high balance limit account you set.

7. We will have no liability if you are unable to receive Text Alerts because of the failure of any machine, data processing system or transmission link or anything else beyond our text provider's reasonable control. We will also have no liability where others are able to read your Text Alerts.

Joint Accounts

8. If you are a joint Nationwide current account holder, only the account holder who has subscribed to receive Text Alerts for that account will receive Text Alerts.

9. If both joint Nationwide current account holders subscribe to receive Text Alerts, both account holders will receive Text Alerts to the mobile telephone number registered by each account holder.

10. If one of the account holders is removed from a joint Nationwide current account, that person will no longer receive Text Alerts.

Security

11.  Please tell us straight away if your mobile is lost or stolen, or if you change your mobile number. Please be aware that it may take up to 24 hours for updates to take effect and therefore you may still receive Text Alerts during this period.

Making Changes

12. You can check and update your mobile number using the Internet Bank, in branch or by calling 0800 30 20 11.

13. You can check and update your Text Alerts contact preferences using the Internet Bank, Banking app, in branch or by calling 0800 30 20 11.

14. We may make changes to these terms and conditions. If the change is to your disadvantage we will tell you either by text message, e-mail, secure message, letter or by notice within the Internet Bank at least 30 days before we make the change. We may make any other change immediately and tell you about it either by text message, e-mail, a notice in branch, secure message, notice within the Internet Bank or an advertisement in the press.

15. You can unsubscribe from Text Alerts through the Internet Bank, Banking app, in branch or by calling 0800 30 20 11 and asking us to stop sending one or more Text Alert services. Please note that you'll need to unsubscribe separately for each Nationwide current account you hold which you don't want to receive Text Alerts for.

16. If you close your Nationwide current account we will stop sending Text Alerts for that account. If you then open another Nationwide current account you can subscribe for Text Alerts for that account.

17. We reserve the right to withdraw Text Alerts at any time. We will not be liable to you if we do withdraw this service or if for any reason you do not receive a Text Alert. Where possible we will tell you if and when we plan to withdraw the service.

Have any questions? See our Frequently asked questions about text alerts.

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