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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 have been a customer of Nationwide all my life, li...

I have been a customer of Nationwide all my life, literally. Introduced by my parrents at birth I have always found them to be personable and approachable. The Flex direct account is easy to manage and ties in really well with other Nationwide products. I have found the account so useful I have recommended it to others. It's simple yet effective. Reviewed on: 25th May 2024

Great account and provider!

Great account and provider! Nationwide have been brilliant since I switched - it feels nice to be generating interest on my current account, and to hold my money in a more ethical bank! Despite this account being online only, I have had to go in-branch for a few ID verification bits and pieces and branch staff have always been brilliant and so happy to help. Recommend! Reviewed on: 25th May 2024

Easy to use platforms, good and quick customer servi...

Easy to use platforms, good and quick customer service and importantly, they do not invest in fossil fuels Reviewed on: 24th May 2024

good online service which makes managing your money...

good online service which makes managing your money easy with ability to move money see direct debits etc Reviewed on: 24th May 2024

Banking with Nationwide

I have found it easy to bank with Nationwide and they have a friendly customer service team. Reviewed on: 24th May 2024

Nationwide are a great and ethical organisation, and...

Nationwide are a great and ethical organisation, and lots of their customers got given £100 - what’s not to like! Reviewed on: 24th May 2024

Fairer Share Payment

I am pleasantly surprised at the £100 Fairer Share Payment. Reviewed on: 23rd May 2024

Always great customer service

Always great customer service and still has a high street bank Reviewed on: 12th April 2024

I like that they share their wealth with us.

I like that they share their wealth with us. I was given £100 last year for just having an account with some savings as the bank did well. I have banked with the big 4 before an never received anything like this. Their telephone helpers are always polite and try to reach a conclusion for you. Reviewed on: 12th April 2024

Ethical with a lot of potential

Unlike other online banking systems Nationwide does not provide pin reminders. There are fewer services which may be conducted in app when compared to other banks, such as Barclays and speaking to an adviser or Natwest and checking a credit score in App. Nationwide's chat service is broken and crashes without exception, and it is difficult to check transactions in specific dates online. Reviewed on: 12th April 2024

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