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Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.35 (266 reviews)

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4.36

Based on 266 reviews, last reviewed 7th Mar 2025

650% 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:

4

Excellent bank I use Nationwide as my main current account bank and find their range of savings accounts very competitive. I also like the fact that it is owned by ... Read more Reviewed on: 7th March 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..

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Nationwide FlexDirect reviews (266)

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

Good reliable banking

Great no frills bank account - Good online banking and useful banking app too. Never had any problems with them at all Reviewed on: 13th February 2016

Customer service is always good

I bank with Nationwide, have done for many years and have never had a problem with them. Customer service is always good and when my new debit card was sent to my old address they sorted it out very quickly. Reviewed on: 30th January 2016

Nationwide Flexdirect gives limited banking benefits with poor customer service

The Nationwide Flexdirect account gives good interest of 5% gross, but on a small maximum balance of £2500, and that rate applies only for 12 months. The online banking service is poor, for example showing transactions in an upside down way, so that the least relevant (oldest) transactions are shown first, and the most relevant (latest) transactions are shown last and off the bottom of the screen. Similarly there are issues in their online banking messaging, where the system does not show the reply that has just been made to them, and on their customer satisfaction screen, where clicking an answer to one question makes the answer to the previous question disappear. The telephone customer service is poor, because Nationwide claims to welcome feedback, but will not take and address issues such as those above when put to them. Reviewed on: 20th January 2016

Great

I've been with Nationwide for several years now and they haven't let me down once. No computer system problems like the other banks (think RBS and Natwest) and the online banking system is easy to use. The text messages that I receive weekly are very helpful. Reviewed on: 24th December 2015

GOOD RATE

A great interest rate for a current account although sadly only for 1 year. branch staff are knowledgeable and friendly and I have never had any problems Reviewed on: 24th December 2015

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