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Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.45 (328 reviews)

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4.57

Based on 328 reviews, last reviewed 27th Jan 2026

2900% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

71%

19%

Latest highest rating:

5

Superb service in person branches locally. Superb service in person branches locally. Website and online banking works seemlessly. Reviewed on: 27th January 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..

Nationwide FlexDirect reviews (328)

Review of the Nationwide, FlexDirect:

Bad customer service

I went on the chat, and they couldn’t help me they said I had to phone in, after waiting 20 mins I got though and explained my issue they said they couldn’t help so I had to wait another 30 mins for the next department who then said they couldn’t help and I have to be transferred to the team I was speaking to at the start, I told him not to transfer me so he checked with his boss and said they couldn’t help with my arranged overdraft interest as my reasoning wasn’t excepted. A very long wait for no help and no advice Reviewed on: 4th April 2022

Superb service in person branches locally.

Superb service in person branches locally. Website and online banking works seemlessly. Reviewed on: 27th January 2026

Bonus for being a member

I got interest on the account and offer on the savings account as well as member bonus Reviewed on: 26th January 2026

Switching to Nationwide FlexDirect was trouble free

Switching to a Nationwide FlexDirect account was quick, easy and trouble free. And I got cash back for switching, get paid to use my debit card and get interest on my balance. Reviewed on: 26th January 2026

Nationwide FlexDirect

Opened account over five years ago and never had a problem. Online banking is very secure with a four stage process with a card reader, not just an otp to your phone, and website is simple to use and well laid out. Statements are clear and payments are easy to make. Reviewed on: 25th January 2026

Great rates, app, communication and rewards

I’ve been a customer of Nationwide banking and mortgages for many years. Their app is brilliant. It makes banking and budgeting easy to manage. Their communications are proactive and helpful. And they reward members annually with small cash payments. Just a brilliant organisation and service! Reviewed on: 24th January 2026

Top name worth considering

Good banking experience. Always available by phone or high street. Any problems always sorted. Can also register for savings watch. Top class security on Flex Direct current account. Some times Isa transfers can be slow though. Reviewed on: 24th January 2026

They are so straightforward with their policy and be...

They are so straightforward with their policy and benefits. I definitely get a better deal after switching from my previous bank. The online banking is secure and the app on my phone is easy to use. The customer service team is polite and helpful. Reviewed on: 23rd January 2026

I used the switch service to move to Nationwide and...

I used the switch service to move to Nationwide and I was kept up to date at every stage. The process was seamless, I got to choose my switch over date and all my direct debits followed and were paid with no gaps. Very easy to set everything up and the app is great. Reviewed on: 23rd January 2026

Good current account

It is a good current account and I have not had any problems as yet - easy to use online Reviewed on: 23rd January 2026

Plenty going for them!

Nationwide - easy to use online; competitive rates and wide choice of products; committed to not closing branches; annual "dividend" payments to members Reviewed on: 23rd January 2026

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