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Nationwide: FlexDirect reviews

Name: FlexDirect
Rating: 4.45 (331 reviews)

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4.57

Based on 331 reviews, last reviewed 15th Feb 2026

3000% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

70%

20%

Latest highest rating:

4

Nationwide uses ai to flag suspicious transactions. Nationwide uses ai to flag suspicious transactions. This leads to a mandatory account freeze for two weeks while the transaction is verified as honest... Read more Reviewed on: 15th February 2026

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 (331)

Simple, easy to use app and account.

Simple, easy to use app and account. Reviewed on: 13th February 2025

great current account

love it, never had an issue. app is easy to use and navigate. very easy to move money in and out of my flexdirect Reviewed on: 5th February 2025

Good interest rate and cashback for first year up to...

Good interest rate and cashback for first year up to £1500. App easy to use and transactions fast. Also plenty of branches still open which is a plus. Reviewed on: 2nd February 2025

Trusted bank with an ethical mindset

Nationwide is a trusted bank. I switched away from Nationwide a few years ago to take advantage of a switching bonus but I regretted doing it as Nationwide had better customer service. I also preferred Nationwide's status as a building society and passing on profits to members rather than stakeholders. Reviewed on: 17th January 2025

Those 6 holes in the signature Strip!!

Those 6 holes in the signing strip on the new FlexDirect card!! What a bloody stupid place to put them! They catch the ball on your ball point pen when signing and send your signature for six. Such a simple design fault from a company that have been using them for years. I am lost for words! Totally ruined my day and the next 5 years I have to look at it each day! Remembering how the ball point got stuck in one of the holes, the card shooting off, my coffee all over the place and my signature looks like it has been made by a 9 year old trying to fake it!! It's hard enough to sign in that little box without the holes! Fancy putting them where you have to sign??!! I bet the designers had a good old laugh together coming up with that idea. Reviewed on: 9th January 2025

Great account that pays back.

2 years in a row I have recieve £200 just for having her account. The removal of the need for the keypad has also greatly increased the user experience. The arranged overdraft also means I know I'm covered if the need comes (not that I recommend using it) Reviewed on: 21st November 2024

I like that they look after their members and the fl...

I like that they look after their members and the flexplus offers lots of useful extras Reviewed on: 3rd October 2024

The best bank in the UK for all their products

Category was for FlexDirect, but this applies to all their accounts and savings. I've been with them for a fair few years now, and never had an issue. The app always works, the agents are UK based and quick to reach on the phone, and the few times you need to go into branch; there's many on the highstreet and helpful within. They're also ethical and reward their members, recently giving a switching incentive even for existing members. The app allows you to search transactions by cost or name which is very helpful. Reviewed on: 7th September 2024

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 whole system is so old the security must be really shocking. Reviewed on: 26th June 2024

If I could give zero stars I would......

30 years a member, 6 different types of a account and over £12,000 currently with this 'mutual', but I'm not 'invested' enough as a member? This is the same board who preach about being a mutual, where 'we are all valued', yet there is no say about the £600 MILLION being paid to Mr Branson esq? This in exchange for a bank he controversially got for nothing and is probably worth next to nothing now. While the sanctimonious fat cat board have their snouts in the trough, denying members a say in a questionable takeover, only a minority of others benefit from 'their' largesse, other societies are awaiting my accounts. Once my ISA matures that's where its all going too, **** the self-serving Nationwide! Reviewed on: 26th June 2024

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