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Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.58 (333 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..

Nationwide FlexDirect reviews (333)

Review of the Nationwide, FlexDirect:

The Peoples Account

I have been with Nationwide now for 3 years and have 2 accounts with them. If I have ever had a reason to speak to them they are always very willing to help and in a good patient manner. Always treated with respect and courtesy - feel like I am a person not just a user of their products/services. I call them the Peoples Bank as it is run for the benefit of people as members decide how it runs. AGM are held annually all members can have a say and we are listened to. Reviewed on: 28th March 2016

Disgraceful, worst banking facility and customer care you will ever encounter

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

Atrocious and idiotic

From the minute I opened the bank account it was nothing bus hassle. First the incentive took 3 months and many telephone calls before it was received. The telephone is usually answered after a minimum of 15 minutes. I had a dispute on my credit card and it took over 4 months to resolve and many telephone calls. NEVER waste you time with them! Reviewed on: 14th March 2020

Good interest

Clunky to use website but worth it for the rate Reviewed on: 9th February 2020

Pretty good incentives

Great interest rate when started and never had a problem with them. Reviewed on: 9th February 2020

Astronomical overdraft interest

Recently put overdraft interest up to 40% with no move to support customers with an overdraft. Reviewed on: 9th February 2020

Easy to deal with

I like the online platform and very easy to deal with in store. I have multiple products and they all show up in my online account and very easy to move money and see where I'm at. Reviewed on: 8th February 2020

Great current account

One of the best current accounts I have ever had. 5% on up to 2500 paid every month, also money for switching and recommending friends. Very clear online account and app. Overall great and outstanding customer service in branch. Reviewed on: 3rd February 2020

Good friendly bank

Nationwide has been good in the past but they have recently made some changes that have made them less competitive and less favourable to me such as changing bank account features and savings rates.. Also their app is more basic than others in the field. Reviewed on: 27th January 2020

Easy to use banking

Online banking is easy to use, now new payees can be set up on the app it’s even better. I like seeing all my account balances quickly in one place Reviewed on: 26th January 2020

Easy and High Interest

Opened a FlexDirect primarily to utilise the 5% on £2500 offer for new customers. It would be good to see better offers for existing customers however. Account opening was straightforward, initiated online and finalised in branch. Reviewed on: 24th January 2020

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