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Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.4 (297 reviews)

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4.48

Based on 297 reviews, last reviewed 21st Jun 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

67%

21%

Latest highest rating:

5

Excellent all round Extremely good customer service and the fairer share bonus rewards loyalty. Reviewed on: 21st June 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 (297)

Review of the Nationwide, FlexDirect:

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

I’ve banked with Nationwide for years and it’s great...

I’ve banked with Nationwide for years and it’s great to see they reward loyal customers especially with the £50 thank you for when they purchased Virgin Money Reviewed on: 16th April 2025

I have moved banks several times to get the sign up...

I have moved banks several times to get the sign up bonus but I haven't moved from Nationwide because the service is so good and the app does everything I need. Reviewed on: 9th April 2025

Easy to sign up, simple to use, reliable service.

Easy to sign up, simple to use, reliable service, and one of the few financial organisations that still have branches. The perks for opening a new account are very good (onboarding bonus and cashback on spending). The only additional thing that I would like to see from Nationwide is instant transaction notifications in the mobile app, like is available from most other banks offering consumer credit and debit cards. Reviewed on: 3rd April 2025

A seamless switch and great customer service.

A seamless switch and great customer service. Very competitive rates and an app that is very user friendly. Reviewed on: 2nd April 2025

Excellent, personal and online banking service

I have been using Nationwide for years now, and find the FlexDirect account easy to use, the online banking is very accessible with an easy-to-use interface that has excellent security. There are still branches near to where I live, so I am able to speak directly to someone in person, should I need to. Reviewed on: 2nd April 2025

Best bank ever.

Best bank ever. Great customer service. Always someone to talk to. Local branch and cash rewards, what more could you ask for Reviewed on: 29th March 2025

A fairer way to bank!

Nationwide are a great business to bank with. Their status as a building society and the way they share their profits with their customers feels great to be a part of and will certainly keep me as a customer. Additionally, great credit card and savings offerings also support their great appeal. Reviewed on: 24th March 2025

Great product

Great variety of perks to the account Reviewed on: 20th March 2025

Excellent bank.

Excellent bank. They even gave us a £50 bonus this year. Reviewed on: 19th March 2025

Good to have cash back and good interest rate for 12...

Good to have cash back and good interest rate for 12 months. Was easy to switch from flex plus to direct account with it being free to use. New card came quickly and could use it straight away with all direct debits changing over automatically. Reviewed on: 18th March 2025

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