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Nationwide: FlexAccount reviews

Name: FlexAccount
Rating: 4.43 (1001 reviews)

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4.47

Based on 1,001 reviews, last reviewed 6th Feb 2026

6000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

72%

16%

Latest highest rating:

5

Great to bank with Been with Nationwide as long as I’ve had a bank account. Never had an issue with them and they’ve been great when I’ve needed help. Reviewed on: 5th February 2026

Latest lowest rating:

1

Very bad Nationwide FlexDirect account blocked – left me and my child with nothing I hold a Nationwide FlexDirect account, and it was blocked without warning ... Read more Reviewed on: 6th February 2026

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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.

Nationwide FlexAccount reviews (1001)

Review of the Nationwide, FlexAccount:

absolutely dreadful

awful, they noticed fraud on my card, so blocked it and sent me a new one, ok great, but for some reason, they also blocked my new card aswell, I could not use it anywhere, it was rejected everytime I used it, 3 days of non stop phone calls, nobody knew what was going or how to fix it Reviewed on: 4th April 2023

Very bad

Nationwide FlexDirect account blocked – left me and my child with nothing I hold a Nationwide FlexDirect account, and it was blocked without warning on the very day my tenancy ended. I am a single mother with a 12-year-old child. All of my money is held in this FlexDirect account. Because Nationwide blocked it, I was unable to pay one month’s rent and one month’s deposit for my new property, despite providing full tenancy agreements, proof of income and transaction history exactly as requested. Nationwide instructed me to upload documents, which I did immediately, and then told me to wait five working days. During this time, I was left without accommodation, unable to pay even for one night in a hotel, and unable to buy food for myself or my child because I had no access to my own money. I also called Nationwide’s complaints number and spoke to a staff member named Tracy. I provided extremely sensitive personal information, including my account number, sort code, full personal details, dates, and addresses covering the last three years. I answered all questions in full. When asked about recent transactions, I gave the exact amounts spent, but explained that I could not remember the exact shop names for every transaction. Tracy then stated that I had “failed to respond”, refused to ask any further questions, and told me I would need to call back, despite already having disclosed all my private details. This treatment was hostile, unreasonable and completely lacking empathy, especially given my situation as a single parent facing homelessness. There was no urgency, no compassion and no practical support — only delays and scripted responses. This is money I have worked hard for, and all funds were legitimate and fully evidenced. Blocking a FlexDirect account in this way, and handling a complaint so poorly, shows a complete lack of duty of care and a shocking disregard for the real-life consequences of these actions. I strongly warn others: Nationwide can deny you access to your own money without notice, even in an emergency involving a child’s welfare. This experience has been devastating and entirely avoidable. I will be taking this matter further. Reviewed on: 6th February 2026

Great to bank with

Been with Nationwide as long as I’ve had a bank account. Never had an issue with them and they’ve been great when I’ve needed help. Reviewed on: 5th February 2026

Great service and quality products focused on the cu...

Great service and quality products focused on the customer rather than the sector Reviewed on: 4th February 2026

Nationwide have it All!

Nationwide have a great banking mobile app and their desktop app has even more features. Totally user-friendly and capable. FaceID login makes life easy and it never fails, not for me anyway. And they have a High Street branch nearby! Reviewed on: 3rd February 2026

This is the best bank I've ever been a customer of.

This is the best bank I've ever been a customer of. They don't charge you fees for basic products, they treat customers fairly and reward loyalty yearly with fairer sharer payments. It feels like being part of a family, not a bank. Reviewed on: 1st February 2026

Beneficial Banking

Being a building society it is run for the benefit of its members, the staff are always helpful. Recently they have started to give bonuses to their customers, which is very welcome. Reviewed on: 28th January 2026

Reliable, Friendly, and Easy to Use

I’ve had a really positive experience with my children's Nationwide current accounts. The app is clear and easy to use, everyday banking is straightforward, and customer service has always been helpful and friendly when we’ve needed support. I’d definitely recommend Nationwide for a solid, no-nonsense current account. Reviewed on: 27th January 2026

Really happy with the switch to Nationwide.

Really happy with the switch to Nationwide. It's an ethical bank with great cash back and interest benefits. Reviewed on: 26th January 2026

Excellent Banking Service

Thankfully, Nationwide still have a branch open in Lincoln, where we were helped set up a joint account. Excellent help given. Reviewed on: 25th January 2026

Exceptional Bank and Customer Service with Real People

I have been a Nationwide Customer for over 20 years and cannot recommend them more! High interest rate accounts for saving, branches still open so you can still see a human being as well as the extra bonuses still paid out to customer! Reviewed on: 24th January 2026

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