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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

200% 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:

Good if you don't need a branch

I opened a FlexDirect account as it got interest without charges. Manage it through the app or online as intended. Never been into a branch or called to discuss it. Interest rates wiped out with the pandemic and sadly still there even though things are more 'back to normal' Reviewed on: 2nd February 2023

UNFAIR Fairer Share

I didn't qualify for the fairer share payment, despite having put over £600,000 through my FlexDirect account (which is always in credit) in the last ten years and also having a Nationwide credit card account. I wrote (yes, a real letter) to Nationwide to complain and got a standard response which pretended that I had asked for clarification of whether I qualified or not. It said I was unqualified because I did not have a £100 (i.e. <0.02% of what I had put through my account) in a savings account in March 2023. The response did NOT acknowledge that my letter was a COMPLAINT and did NOT respond to my request that I should receive the payment. A VERY POOR RESPONSE TO A COMPLAINT ABOUT VERY POOR TREATMENT. Reviewed on: 1st July 2023

Poor experience and treatment

When did Nationwide stop caring about its customers? Their response to those unhappy with the Fairer Share Payment has been astonishing. They have persistently ignored and disregarded people who were unhappy about the way it was distributed and treated complaints as feedback so they did not have to respond. They have not shown a shred of contrition and actively encouraged me to take the complaint to the Financial Ombudsman. It was made blatantly obvious to me that my business was not wanted anymore so I switched my account to Metro Bank. The only time Nationwide have said sorry was that they were sorry to lose me as a customer in a generic letter about switching my account. I have had numerous savings accounts, ISAs and even the credit card over the last 19 years in addition to a current account. I have no loyalty to them anymore. Reviewed on: 21st June 2023

Could do better

I have been a loyal customer for many years and will keep my account but also have other more competitive accounts. Nationwide have been making unnecessary changes in my opinion and wasting members’ money on marketing prizedraws etc. It would be fairer to divide profits amongst members or raise interest on savings. Recent payments of £100 excluded some members. The closing of online messaging that’s not chat was a mistake. Sometimes people prefer to send a message and wait for a reply rather than hanging about in a chat. Reviewed on: 20th June 2023

Ridiculous experience with "fairer share" payment

Copy and paste reply to complaints compounds their general poor service anyway. With only c.20% of people qualify despite us being valid members - so not possibly fair - will avoid them from now on. Reviewed on: 17th June 2023

Excellent joint account for my wife and I

My wife and I have used this as our joint account for a number of years and are very happy with it Reviewed on: 5th June 2023

Trusted brand with good interest rates

Like that I can bank with a business not answerable to shareholders and having interest added on account balance is a bonus. Reviewed on: 1st June 2023

Fair products

Always offering the best competitive rates in the market. Reviewed on: 31st May 2023

Proper Building Society

After only 6 months of having an account I’m getting £100 credited as a profit share on top of the £200 for opening the account in the first place. I don’t think a bank would do anything similar. Reviewed on: 31st May 2023

Savings

Changed banks and couldn't be happier. Have managed to start saving and there is always cashback and rewards. Unheard of with any banks Reviewed on: 24th May 2023

Fantastic, and always have been.

A customer oriented bank. I have 4 accounts with nationwide and their customer service is fantastic. Can be on the phone speaking to human in less than 5 minutes. Everything just works as it should and is easy. Endless direct debit options, no fees abroad, no overdraft fees, quick and easy account set-ups and access. Skip the other fancy banks and get a bank you can wholeheartedly trust to just treat you well. You forget how businesses should be these days, and nationwide is a profound reminder of how customer service should be. I recently received a £100 customer loyalty payment - yet another reward for basic loyalty. But why would I move elsewhere when they are so brilliant. Can’t recommend enough. Reviewed on: 19th May 2023

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