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Nationwide: FlexDirect reviews

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4.58

Based on 333 reviews, last reviewed 20th Feb 2026

3200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

70%

20%

Latest highest rating:

5

Nationwide is 5 star. Nationwide is 5 star. They look after their customers and provide bonuses. You can always go into branch and speak to a human to resolve any queries. ... Read more Reviewed on: 20th February 2026

Latest lowest rating:

1

Nationwide have no concern for members banking exper... Nationwide have no concern for members banking experience. The IT systems used are woeful both from a user POV and back end. I am worried that the who... Read more Reviewed on: 26th June 2024

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About this product

The Nationwide FlexDirect current account pays interest on your money and you can earn cashback on debit card purchases for the first 12 months.

If you’re eligible for an overdraft, the first £50 is interest free. The FlexDirect account has to be managed online or over the phone, not at the branch.

Nationwide FlexDirect current account 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 FlexDirect reviews (333)

A good account with great interst rate

Paying 5% interest on balances of up to £2500 for 12 months this is a great account. You do need to deposit £1000 a month into the account but it doesn't have to stay there, you can withdraw it the next day and put into another account earning more interest for you. Reviewed on: 27th August 2015

Good interest but only up to £2k

This is a good bank account to use if your balance is usually below £2,000, as it offers a great interest rate of 5%. It would be even better if the interest threshold was higher - like the Club Lloyds account which offers 4% on balances up to £5,000, or Santander 123 which offers 3% on up to £20,000. Overall, I have been happy with the account. Reviewed on: 26th August 2015

Fantastic building society

I have been with Nationwide for many years, on and off, but have only started using them as my main bank account in the past year. I recently upgraded to the FlexDirect account online, and this was very easy to do. The website made it very clear what was happening at every stage and my application was approved almost instantly. The amount of emails from Nationwide regarding my account is just right, and staff are always very friendly and helpful when I have a query in branch. Highly recommended. Reviewed on: 25th August 2015

Excellent service and interest rate.

I was informed by Nationwide about their new Flex Direct current account, and decided to switch from our standard Nationwide Flex current account. The interest rate of 5% is available for one year, and after this reverts to 1%, compared to the current account which we already had, which gives no interest. To receive these rates customer have to pay into the account at least £1000 per month. There is no monthly charge for having this account, unlike some other financial institutions who charge for the privilege! The switch went through very quickly with no problems, and the account is available to view through Nationwide online banking. Transfers can be made, direct debits and all aspects of banking can be carried out online. Nationwide's online banking system is second to none. Customers are also entitled to a contacts banking card. One minor problem was that when we had a cheque to pay in at the branch, Flex Direct customers are expected to do this through Nationwide's terminal in branch, rather than hand to an assistant along with your bank card. However, someone showed us how to use and it proved quite easy. We have held this account more than a year now and the interest rate has reverted to 1%, which is less than some other banks are offering at present, for example, Santander's 123 account, which offers 3%. However, we are happy with the account and pleased that we are receiving interest on our every day transactions. Reviewed on: 9th August 2015

Fully recommended

My review is mainly about the service I have received from Nationwide. It's always great to have FRIENDLY and PERSONABLE staff when you need to have a conversation about your banking arrangements. Reviewed on: 8th July 2015

Easy switch over

Found it easy to switch my bank account over, and am happy with the product so far. Reviewed on: 10th May 2015

It was a pleasure to do business with them.

A great company and pleasure to do business with. They were very professional and I enjoyed their service. Reviewed on: 14th April 2015

Excellent service both as an on-line customer and at my local branch

I would fully recommend Nationwide Flexdirect this on line account gives you the flexibility to manage your money in the way you want to and I have found it totally hassle free. Reviewed on: 26th March 2015

Fabulous Service

AS I work full time I can only get to the branch on a Saturday. Staff always welcoming. Sorted my savings out and I'll be with them for a mortgage too Reviewed on: 26th March 2015

Simple, fair, easy - Nationwide really does seem on your side!

I transferred to Nationwide from an 'international' bank, which didn't cater to my needs abroad & enjoyed sneakily charging me for anything they could get away with. Nationwide, in contrast, has integrity. It seems fairer and I find easier to keep on top of my finances since I switched. The staff are very down to earth (both in branch & at the call centre) and helpful. A genuine recommendation for anyone who has become bemused with banking. Reviewed on: 29th January 2015

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