Write a review

Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.39 (288 reviews)

View other Nationwide products

4.43

Based on 288 reviews, last reviewed 22nd Apr 2025

27% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

68%

20%

Latest highest rating:

5

Easy product to use via the app, no issues experienced. Easy product to use via the app, no issues experienced. Reviewed on: 22nd April 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

Read all reviews See your review

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 (288)

Review of the Nationwide, FlexDirect:

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 set-up and use.

Easy to set-up and use. Online banking & app can be temperamental, but customer service are helpful. Reviewed on: 4th April 2024

Switching service

I used the switching service and I was impressed with the communication throughout the process. Bonus was paid promptly. The account has a decent interest rate and no complaints so far. Reviewed on: 16th March 2024

Easy current account

An easy current account which provides a cardholder to enter your debit card which feels safer., and you don't have to access through an app, As yet I have not had any problems Reviewed on: 15th March 2024

One of the best banks in the UK

I have used Nationwide for personal banking for over 35 years. When they brought out the app it worked well, and I have not needed to go into a branch for many years but the ser ice has always been excellent. Reviewed on: 12th March 2024

Relatively good, however recently had a poor custome...

Relatively good, however recently had a poor customer interaction via online chat. Reviewed on: 28th February 2024

Nationwide - good value, poor processes

Nationwide are good overall. Their attention to detail can be poor, particularly in their process, procedures and systems. I have two accounts which Nationwide have either not opened properly or not closed properly, and Nationwide have said that they have no intention of fixing the underlying system problems. Reviewed on: 21st February 2024

Easy banking experience

A good main bank account. Online app is easy to navigate and switch between FlexDirect and savings accounts. It's easy to set saving goals and round-up feature is handy. Could be improved by budgeting tools to categorise payments. Reviewed on: 17th February 2024

I was able to open my account online and have used t...

I was able to open my account online and have used the app for everything I need. It's a little annoying and outdated that they send a card reader where you have to insert your card to approve online transactions - thankfully you don't need this for every transaction. The interest rate is good but only for a low balance so I've opened a savings account with a different bank, even though I'd rather keep products with one provider. Reviewed on: 15th February 2024

The app is a bit clunky.

The app is a bit clunky. The interest rate is competitive. Annoying you have to use card readers. Staff are friendly and helpful. Nice that everyone is a member rather than shareholder. More branches than other providers. Reviewed on: 15th February 2024

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 you have a different Nationwide product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current Account
from Allied Irish Bank - AIB 2.61 from 16 reviews
Current account
from Card One Money 5.00 from 3 reviews
Student Current Account
from Lloyds Bank 4.25 from 6 reviews

There's still more to see!

Nationwide has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub