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Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.33 (252 reviews)

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4.32

Based on 252 reviews, last reviewed 13th Feb 2025

67% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

65%

21%

Latest highest rating:

5

Simple, easy to use app and account. Simple, easy to use app and account. Reviewed on: 13th February 2025

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 (252)

Review of the Nationwide, FlexDirect:

Solid but uninspired bank choice

Nationwide, while a stalwart in the UK banking sector, leaves much to be desired in terms of innovation. Their online and mobile banking platforms, while functional, lack the modern flair and advanced features that other competitors offer. In addition, their customer service, while satisfactory, can at times be slow to respond. Although Nationwide's range of financial products is extensive, their offerings may not always be as competitive as those from other banks. Consider Nationwide as a solid, if somewhat uninspired, banking choice. Reviewed on: 15th February 2024

DO NOT USE

Do not risk your money. Nationwide treat customers with absolutely no respect, have no customer complaints department, and pass everything to the ombudsman as it is easier than dealing with it. They incorrectly removed the agreed 5% interest rate from my accounts with no warning - paying only 1% despite sending documents stating the accounts would each earn 5%. I complained by phone, by going into branch, and via their online customer service team (twice). I was told the rate should be 5% but no one corrected it. The online complaints team completely ignored me and did not even send an acknowledgment. I was shocked and appalled by this, so I persisted. It took months of continued complaining for them even to look at the issue, and the people who dealt with it do not deserve their jobs - initially they sent their final offer letter and told me to contact the ombudsman. I persisted as they had not even opened an investigation and found the ridiculously named customer excellence department - could not write an email - did not investigate what had happened - did not review my complaint - treated me in a completely disrespectful way, and - made no apology for their error or handling of the complaint It is amazing they are still in business, but I only knew they had reduced my interest rate when I checked my online account. Others may not check. There are many other banks that treat customers fairly and with respect so I urge you to use them instead. Reviewed on: 21st November 2016

Easiest Current Account I've Used

Switched to Nationwide just over a year ago & wished I had done this sooner. I have total control of my money via their app / online platform (this includes my Current Account, Savings & Credit Card); something I've never had with previous banks Reviewed on: 3rd November 2016

Total Shambles

I have been trying to set up a Nationwide FlexDirect account for about 4 weeks (seems like a lot longer). The hoops you have to jump through are ridiculous. You have to visit a branch with ID. Send for a card reader, post off an acceptance of Terms & Conditions, then wait for every thing to be posted back. You then try to use the Internet app and find you have to register for it on line, only the website will not let you register for 7 days. I rang up to cancel the account because of all the hassle I have had and the assistant could not get me through to the dept I needed to deal with. She suggested I do it on line at which point I buried my head in my hands and then explained that I could not do it on line due to the problems I had already outlined. AHHHHHHHHHHHH!! Do not bother with Nationwide, life is too short Reviewed on: 2nd November 2016

Awful

Have been trying to open an account with them for over 2 weeks. A complete shambles. Latest , I had a call from them yesterday saying they had lost the terms and conditions I had signed in store and would I go in and sign it again! Reviewed on: 21st September 2016

Shrewd Banking

Great account for making your money, make some more money... How can you not love the 5% interest on up to £2,500(sadly only for 12 months,then drops to 1%) Just a £1000 pay in each month is all you need. Reviewed on: 19th September 2016

Hassle free banking

Nationwide made it super simple to switch my current account. I currently get 5% interest on my balance up to £2k, and have opened up a Help-to-buy ISA through their online banking system. Nationwide have made banking hassle free for me; a far cry from my previous experiences with Barclays. I also received £100 for switching, as did my sister who referred me. Win-win! Reviewed on: 23rd June 2016

Fantastic current account with benefits

Great account to have for 12 months as your everyday account with 5% interest up to £2,500 for 12 months and £100 switching bonus! Reviewed on: 29th May 2016

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

Great interest rate for a limited time.

Nationwide Flex Direct current account gives a fabulous interest rate of 5% gross for the first 12 months, reverting to 1% interest after this period ends. To gain these rates you have to pay into the account at least £1000 per month. We decided to switch our ordinary Nationwide Flexclusive current account in order to receive this higher interest rate. The switch went smoothly, with no problems whatsoever, and we received the advertised rate on account balance up to £2500. Unfortunately the higher rate is reduced after one year, and customers receive the lesser APR of 1% interest. I would recommend this account - even though the higher rate is available for only one year, customers receive 1% following this. Previously we had been receiving no interest whatsoever on our current account. However, for those willing to keep switching current account deals with different banks, there are much better interest rates on offer. Reviewed on: 28th March 2016

Best current account for first 12 months (then switch!)

Fantastic current account interest rate, great switch incentives, and excellent service. Reviewed on: 17th February 2016

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