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Nationwide FlexPlus Reviews

Ratings based on 130 reviews Last review 5 days ago

Nationwide FlexPlus reviews come from people like you! With so many different current accounts now available, you can read these honest Nationwide FlexPlus reviews to find out what life as a Nationwide customer is really like. And remember, if you are...

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Nationwide FlexPlus reviews come from people like you! With so many different current accounts now available, you can read these honest Nationwide FlexPlus reviews to find out what life as a Nationwide customer is really like. And remember, if you are a Nationwide customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of Nationwide FlexPlus reviews. Together, we can make financial services work better for everyone.

5 93
4 17
3 2
2 0
1 18

Your FlexPlus Reviews (130)

27th May 2020

Carefully read Terms/ Conditions

I assumed that Travel Insurance covers your travel as its title suggests. Unfortunately I recently had to make a claim after being hospitalized ex U.K. just a couple of days before my return flight, this part of the flight to return home cannot be a...

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I assumed that Travel Insurance covers your travel as its title suggests. Unfortunately I recently had to make a claim after being hospitalized ex U.K. just a couple of days before my return flight, this part of the flight to return home cannot be a part of your claim
I quote the reply I received “Page 17 of the Policy Booklet under Indirect Losses explains, we won’t cover any cost you would normally have to make during your trip. So when you pay for the holiday your flight home is not classed as an additional cost or a financial loss. Still makes no sense to me but just wanted everyone to be aware of this.

8th May 2020

useless and more work than justified

When trying to make a claim you have to jump through multiple hoops and fill lout a lot of paper work. After 2 hrs of being on hold to even begin a claim and 5 weeks for the claim to be reviewed they cut the cost of the claim down to 1/3, then took...

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When trying to make a claim you have to jump through multiple hoops and fill lout a lot of paper work. After 2 hrs of being on hold to even begin a claim and 5 weeks for the claim to be reviewed they cut the cost of the claim down to 1/3, then took £50 excess. this left a pitiful amount and with the work put into getting the claim it would of been easier and more lucrative to cancel the policy.

29th April 2020

Travel Insurance only useful until you make a claim!

I'm in total agreement with some recent reviewers here. My wife's diagnosis of Myeloma after we had booked a holiday meant we had to cancel the holiday and claim. It first took a ridiculous amount of time to convince the company (UK Insurance) that we...

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I'm in total agreement with some recent reviewers here. My wife's diagnosis of Myeloma after we had booked a holiday meant we had to cancel the holiday and claim. It first took a ridiculous amount of time to convince the company (UK Insurance) that we were 'eligible'. Then, having submitted all the relevant documents in a very clumsy uploading system we heard nothing for two months. I was then forced to call them during the Covid 19 crisis and waited over an hour before the phone was picked up, to be told that they were missing a document for the claim. The travel company had sent a cancellation invoice (which we had uploaded with our claim) indicating quite clearly the amount of deposit we had paid, but I was obliged to call them again, and after 4 exchanges of emails Nationwide finally submitted our claim. We've now switched accounts to Flexdirect, because Flexplus is all but worthless on its current abysmal rate of interest. The generous interest when we first opened the account paid for about half the monthly charge. Not now.

29th April 2020

5 STAR RATED TRAVEL INSURANCE UNTIL YOU TRY TO MAKE A CLAIM.

I BOOKED A HOLIDAY BACK IN MAY 2019 FOR TRAVEL IN MAY 2020.THIS HAS NOW BEEN CANCELLED DUE TO CORONAVIRUS.LIKE MOST PEOPLE IN MY SITUATION I HOPED TO RECEIVE A CASH REFUND.MY TRAVEL COMPANY HAS ONLY OFFERED REBOOKING OR A VOUCHER,NO CASH...

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I BOOKED A HOLIDAY BACK IN MAY 2019 FOR TRAVEL IN MAY 2020.THIS HAS NOW BEEN CANCELLED DUE TO CORONAVIRUS.LIKE MOST PEOPLE IN MY SITUATION I HOPED TO RECEIVE A CASH REFUND.MY TRAVEL COMPANY HAS ONLY OFFERED REBOOKING OR A VOUCHER,NO CASH REFUNDS,ADVISING ME TO GO THROUGH MY TRAVEL INSURANCE FOR A CASH REFUND.I CONTACTED NATIONWIDE ASKING FOR A REFUND,AND ALTHOUGH MEETING ALL THE CRITERIA IN THEIR POLICY BOOKLET,THEY SAID I WAS NOT COVERED BECAUSE THE TRAVEL COMPANY HAD OFFERED AN ALTERNATIVE.LIKE SO MANY I WANT MY MONEY BACK.THESE VOUCHERS COULD END UP BEING WORTHLESS.MANY TRAVEL COMPANIES COULD END UP GOING OUT OF BUSINESS.I POINTED OUT THESE CONCERNS TO NATIONWIDE, ONLY TO BE REPEATEDLY TOLD IT WAS NOTHING TO DO WITH THEM.TO SUM UP THE NATIONWIDE WORLDWIDE TRAVEL INSURANCE THAT COMES WITH THE FLEXPLUS ACCOUNT,IS SUPPOSED TO BE 5 STAR RATED,BUT IS NO BETTER THAN THE MOST POORLY RATED TRAVEL INSURANCE.THEIR POLICY BOOKLET IS NOT WORTH THE PAPER IT IS WRITTEN ON,AND WHEN YOU DO NEED TO MAKE A CLAIM,THEY WILL DO EVERYTHING IN THEIR POWER TO AVOID PAYING YOU.

13th March 2020

Travel Insurance is absolutely useless

I was originally with Midland Bank who became part of HSBC. Very good service including insurances. In my local town they closed the branch even though it was ALWAYS busy. Rather thank have to drive 12 miles to the nearest HSBC branch I switched to...

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I was originally with Midland Bank who became part of HSBC. Very good service including insurances. In my local town they closed the branch even though it was ALWAYS busy. Rather thank have to drive 12 miles to the nearest HSBC branch I switched to SANTANDER in Romsey and the manager there was wonderful and ran a very efficient branch. Despite all of her efforts SANTANDER closed this branch and I signed up to Nationwide in Romsey.
All seemed good on paper until you have to claim on their travel insurance.
What a bunch of useless time wasters. If you like being on hold for over an hour then that is fine! They don’t phone when they promise they will and their upload documents on the web page is awful.
Just spoken to somebody now after being listening to Music on Hold for 2 hours!
Really poor show.
As soon as my claim is sorted I will be changing banks as I do not expect to treated like this.

2nd March 2020

Very poor customer service

I have Nationwide FlexPlus Insurance and was stranded in Napal last year after my flight was cancelled due to airline failure. Nationwide did not pay a penny nor were they any help (even though I had paid additional est £80 for the coverage in Napal). ...

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I have Nationwide FlexPlus Insurance and was stranded in Napal last year after my flight was cancelled due to airline failure. Nationwide did not pay a penny nor were they any help (even though I had paid additional est £80 for the coverage in Napal). In my travel group there was 15 other people who got a full refund or partial due to this event. Many had insurance with Halifax which were great in helping them and even calling them in Napal to ensure they are ok!

That aside, I did not teach my lesson and I still stayed a loyal customer. I am travelling to Bulgaria Friday and I have not managed to reach a customer service and ensure I am covered for the past week. I just tried again and after holding the line for 13 mins I got disconnected. The customer service is appalling and I will be changing my insurance. The bank doesn't do anything, the helpline keeps passing you around and so on.

26th January 2020

A great set of perks for a great price

Saved so much money on travel insurance, mobile and breakdown cover by combining them with my flex plus account. The linked saver is an amazing rate too. The mobile app is one of the best around from a mainstream bank.

15th January 2020

FlexPlus gives added value

Flex Plus perks (mobile phone insurance, breakdown cover) are well worth the £13/month. Used both more than once. Great customer experience. That's not to mention the better interest rate.

3rd January 2020

Definite decline in quality recently

Having been with Nationwide for almost 9 years and having everything from a mortgage, insurance and paid current account with them i'm dismayed to say that in the last 18 months the quality of their products has declined massively. The benefits of...

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Having been with Nationwide for almost 9 years and having everything from a mortgage, insurance and paid current account with them i'm dismayed to say that in the last 18 months the quality of their products has declined massively. The benefits of their paid account is no longer really worth it and their overdraft fees are complex and poorly explained. The biggest issue is with the quality of their customer service. As an example i recently sent a message through their online messaging system to advise my credit card had stopped working and asked why, they advised that over a month ago they had detected possible fraudulent activity on it, cancelled it and sent a new one at the time. I don't use my card often which is why i had only just discovered it wasn't working. Putting aside my grumble that they hand't bothered to inform me at the time they had done this, I reminded them that it was now over a month later and they should have worked out from my message that i was oblivious to any new card being sent and had obviously not received it. The response from them was the text equivalent of someone shrugging their shoulders! I had to respond and ask them to send a new one...again. This hasn't been an isolated incident I have has a few other experiences where the agent on the other end just seems to be working from a script and piecing the response together from templates which make no sense and don't take into account the context of the issue or level of understanding the customer displays. This is the quality of customer service you can expect from Nationwide

24th September 2019

Terrible Customer Service

This insurance is only worth it if you are fairly sure you will not need to claim. Certainly, now that Nationwide is cancelling the interest on the current account, I would not touch this with a barge...

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This insurance is only worth it if you are fairly sure you will not need to claim. Certainly, now that Nationwide is cancelling the interest on the current account, I would not touch this with a barge pole.
Here is our experience. In June my wife fell and broke her arm in the mountains in Austria. She was helicoptered off the mountain and treated efficiently and kindly by the helicopter people and by the staff of Innsbruck Hospital, but we obviously occasioned quite a lot of expense in the form of bills that were sent to our home after our early return, midway through a two week holiday. I contacted Nationwide's emergency service while in Austria and they arranged an early flight home, an extra seat beside my wife on the plane, so her arm would not get knocked, and assistance at both airports with our luggage. Pretty good really.
But there were some early warning signs. Nationwide never once contacted me by phone or e-mail to give me information; so we were left on tenterhooks for some time about whether the flight home had been booked or not. Actually, my holiday company Inntravel were much more helpful and hands on. Indeed it was Inntravel that provided me with the details of a flight home and a contact at Inghams with whom to book it - information which I then passed on to Nationwide. While Inntravel contacted me to ask how things were going, there was no such contact from my Insurance Company, who never voluntee3red a single unsolicited communication. I always had to ring them. Not only that, but every e-mail they sent me while we were in Austria included the words, "We have been trying to contact you without success." This added to the stress because we imagined that they were trying to communicate important information that wasn't getting through. I only realised that this was a lie, when we got home and all e-mails continued to contain this line. What sort of company begins every e-mail to its customers with a lie? Of course, what they were doing was lazily re-using old-mails as templates - which sometimes resulted in miscommunication bordering on incoherence.
While at home we got 5 bills. I paid one for a small amount with my credit card, but the others I forwarded to Nationwide for payment. Sending stuff to Nationwide is difficult because they use an ungainly link which occurs in one of their often mildly irrelevant e-mails about "trying to contact you without success". This works ok when you have everything to hand, but falls down when you get bills arriving in dribs and drabs, because the link disappears ever time you use it; so then you have to ring them up and ask for another link to send them the next bill, and then of course they send you another e-mail telling you that they have been trying to contact you without success.
All of this would have been only mildly annoying if they had been paying the bills that we had been dutifully and promptly scanning and forwarding. One bill from the Innsbruck Hospital was followed by a reminder and an additional administration charge. I rang Nationwide, got another link and forwarded it. Then we got another bill, the same one again with an admin charge added and 4% interest, and a threat that they would be sending debt collectors. This was adding to the stress felt by my wife, whose recovery was going depressingly slowly.
Unfortunately, ringing Nationwide about a problem is as bad as ringing Virgin about a faulty telephone line: you never speak to the same person twice, you always have to explain everything all over again, the person you speak to sounds competent and professional - and then nothing happens.
A sum of money appeared in our bank account recently. We believe this may be in settlement of our "curtailment claim". We have received no communication from Nationwide explaining what this sum is for, or how it was calculated. Each week we ring them and ask for a written statement of what bills have been paid - just for our peace of mind- but nothing happens.
John Pye
Yorkshire

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