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Nationwide: FlexAccount reviews

Name: Nationwide FlexAccount
Brand: Nationwide
Rating: 2.54 (196 reviews)

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4.45

Based on 930 reviews, last reviewed 21st Jul 2025

77% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

71%

16%

Latest highest rating:

5

Switching to Nationwide was the best decision ever I switched to Nationwide a few years ago after poor service from a bank I had been with for over 40 years. It was the best decision I have ever made. Reviewed on: 21st July 2025

Latest lowest rating:

2

While Nationwide's Fairer Share bonuses are apprecia... While Nationwide's Fairer Share bonuses are appreciated, their interest rates on currents accounts are comparatively and sometimes extremely poor, and... Read more Reviewed on: 12th June 2025

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About this product

Nationwide’s FlexAccount is a current account with no monthly fee.

If you’re eligible for an overdraft, the first £50 is interest free. Nationwide will open a savings account for you with your new current account. Taking a current account with Nationwide makes you eligible for access to exclusive savings accounts.

Nationwide FlexAccount reviews help you find out what it’s really like to be a customer. If you’ve used Nationwide before, you can also leave a review and share your experience.

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Nationwide FlexAccount reviews (930)

Travel Insurance & Mobile phone insurance with Flex account plus

Diabolical customer service! 10 weeks so far waiting for settlement on simple straight forward claim. Cant speak to anyone, no email contact just sit on hold for hours listening to music! The phone insurance was an absolute joke. Effectively paid out £75.00 for a £500.00 iPhone. Disgusted with Nationwide and if travel insurance ever gets settled I will be cancelling my account and moving my mortgae as I am so frustrated and pissed off with this whole shambles. This is no way to treat loyal long standing Nationwide customers. Reviewed on: 17th April 2020

Disgraceful support & banking facility

Disgraceful customer service and banking facility. If anyone still banks with these crooks I recommend you switch if you ever want to get any descent customer service and aid in times of need. Having fallen a victim to Coronavirus was worried about making loan repayments for the upcoming month as I was in self-isolation and on unpaid leave from work. Have always kept up with my loan payments and never missed anything for the past 3 years. Dont let the false advertisements on their website fool you, they try to come across as they are very helpful and that they will assist their customers during "challenging times", having called their "Triage" team and waited over 1 hour on hold, I pleaded with the rep to offer some help to overcome the situation am in, wether that will be 1 month payment holiday on the loan or an increase in overdraft / credit card limit to tie me over just for 1 month and the outcome was, they only offered to change the repayment date on the loan and move it back by upto 14 days like that is going to help!, they do this all year round , nothing new and certainley no additional help during this pandemic. These stingy crooks did not even consider freezing credit card or overdraft fees just for 1 month till i return to work. Lastly in the same week, i accidently transfered some money from my current account to my credit card (online via internet banking), I was meant to transfer it to my savings account but as you know its very easy to select the wrong account to transfer money to in the drop down menu. After realising my mistake, I found there is no option to transfer money back from your credit card to your current account. I gave customer support a call and got through to a guy called "Sachin" (sounded like a right chav) whom immediatly said "you been passed to me in the collections department, your balance is xx and you need to pay xx"... I thought what the hell is this guy on? No one passed me through, I called in and my query is not related to balance, I have already paid the monthly amount due on my card thanks!!, I then told him the reason for my call to which he replied to transfer money back from credit card to current account would take 5 days to process..... and as i questioned why so long, he replied, you made the mistake what do you want us to about it? As you can see, the customer service is shocking, rude, incompetent staff even at the highest level, you can not even get through to a manager or to the complaints team, instead they take your number and you'd be lucky to ever recieve a call back from the complaints department. This is the 21st century folks.....and Nationwide expects you to wait 5 days to get funds transfered from your nationwide current account to your nationwide credit card back, come on people, open your eyes. just check what other banks offer and you will be suprised at the level of care and service compared to Nationwide which is a sinking ship! By the way, I also had a loan with YB and Post office and having spoke to their financial care team, they both provided a month payment holiday to assist me during the crisis which has meant reduced income. I am ever grateful to these banks and the difference between customer care and support is night and day compared to the crooked Nationwide. I will ensure on my return to work that I change bank details with my employer to YB with the outlook of closing my bank account with Nationscum. Reviewed on: 23rd March 2020

Tried to switch my account and no direct debits/standing orders switched!

I switched to Nationwide Flexdirect account on the "recommend a friend" offer which gives you £100 bonus for switching on the provision that you switch at least 2 direct debits over (I had 3 set up on my old account). I only found out that they hadn't transferred any of my standing orders or direct debits over from my old account when I got an email saying I didn't qualify for the £100 because I hadn't switched any direct debits! All of my payments that were supposed to go out over a month were missed, and it's been really inconvenient for me, with absolutely no help from Nationwide, and very rude customer service representatives. So disappointed, I've closed my account with them immediately. Reviewed on: 22nd February 2020

Perfect!

The account benefits are great and suit my personal circumstances Reviewed on: 9th February 2020

Solid

I also use Monzo and some of the newer disruptor saving/banking apps, and while I really appreciate their new features, I've not yet switched over as I appreciate the reliability of Nationwide. There's nothing particularly innovative with them, but equally I've never had much difficulty - they're simply a dependable company who I'd trust with my money Reviewed on: 9th February 2020

Great account and app

I love nationwide. The switch gives you and the referee £100 the app is easy to use and the account has good interest on balances up to 2500 can’t ask for much more Reviewed on: 9th February 2020

Always helpful

Easy to contact on the phone, very approachable and friendly. Reviewed on: 9th February 2020

no issues

I've had this product for years and had no issues Reviewed on: 8th February 2020

Great provider

Have banked with Nationwide for years and have had no issues. Now have multiple products with them and would recommend to friends/family. Reviewed on: 8th February 2020

Great bank

Been with the Nationwide for 30 years and never had any problems Reviewed on: 8th February 2020

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