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Nationwide: FlexPlus reviews

Name: FlexPlus
Rating: 3.95 (336 reviews)

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3.96

Based on 336 reviews, last reviewed 24th Feb 2026

900% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

66%

10%

21%

Latest highest rating:

4

Like the linked flexi plus in this packaged bank acc... Like the linked flexi plus in this packaged bank account that give us worldwide travel insurance and breakdown cover. Reviewed on: 24th February 2026

Latest lowest rating:

1

Awful mobile phone insurance. Awful mobile phone insurance. One phone came back still damaged. I gave up on that claim. The second one was a pixel 6. The excess costs as much as a ... Read more Reviewed on: 29th December 2025

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About this product

Nationwide FlexPlus is a packaged bank account.

For a monthly fee, the FlexPlus current account gives you worldwide family travel and mobile phone insurance, plus UK and European breakdown cover.

Nationwide FlexPlus 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 FlexPlus reviews (336)

Review of the Nationwide, FlexPlus:

Bad service

Was taken ill on holiday abroad with heart condition and admitted to hospital immediately put claim in via phone/online could not share all documents online, trying to ring is a joke on hold over an hour each time. Then mu online claims got cancelled. Sent documents in post had text acknowledgement f paperwork in post but no claim number. Try to call to progress claim closed Tues and Thursdays other days can't get though been nearly 3 months post claim now. Always used never claimed terrible service Reviewed on: 9th May 2023

Excellent Travel Insurance

I recently fell on holiday breaking both a foot and hand. The initial call handler was new and didn’t give very good advice but did say to call back when at the hospital. From that call onwards the service was exemplary. They booked additional seats for me on the way home on the plane and special assistance. I called five days later when home about expenses incurred and I received an email the following day to say these would be in my bank account within 5 working days. Reviewed on: 16th October 2022

Don't west time and money

Don't west time and money this insurance is very bad service Reviewed on: 23rd September 2022

Excellent inexpensive Insurance

The Flexplus account provides inexpensive Worldwide Travel insurance, plus you also get Smart phone cover and AA Breakdown cover , for the same price. Reviewed on: 13th September 2022

Telephone efficiency

After 26 minutes gave up. Fed up listening to “lots of thanks for your patience /doing our best to connect you etc etc”. Either there are lots of dissatisfied customers or there are not enough people to answer the phones.Terrible service which is a real let-down. Reviewed on: 23rd August 2022

Will not pay out

Made a claim for travel insurance due to a broken arm abroad. Despite sending all the documents correctly and chasing, they said it takes time. After waiting more months they said the claim is closed due to inaction! Then they reopened the claim after i called and said it will be dealt with. 7 months later and no payout. Each time can be over 45 mins wait on the phone. Avoid at all costs. Reviewed on: 22nd August 2022

Good perks

Good perks with the account, particularly with the breakdown cover Reviewed on: 13th August 2022

DO NOT TRUST THEIR INSURERS

AVOID - 0 STAR - DESPICABLE The WORST travel insurance provider we have EVER experienced. Very let down by them weasel img out of anything they can. The mobile phone insurance component is a real unprofessional cowboy outfit, who have you sending items back and forth through THEIR incompetence. Not used the breakdown component, so can’t comment on that. Reviewed on: 7th August 2022

Like having your dad run your bank account

Customer service is absolutely shocking, particularly the Transaction Monitoring team. Worse than I’ve experienced from any bank or credit card company. For example: Day 1 (Fri) - I request a CHAPS transfer (required for transfers over £10k) and their website promises 1 working day. Day 2 (Mon) - transfer is held by their transaction monitoring team and my online banking access is blocked with no reason is provided. I call customer services and after being on hold for 1.5 hours with no response (whilst on a family holiday), I hang up frustrated Day 3 - I call first thing and get through after about 50 mins of waiting. I then spend 45 mins being quizzed on why I want to transfer so much money. They ask for details on my proposed investment so I send attachments. They promise the case manager will review by the end of the day. This doesn’t happen Day 4 - I call to chase and the person I talk to asks me to “explain my proposed investment”. I try not to lose my temper, so I refer him to the 45 min conversation the previous day plus requested attachments Day 5 - I call to chase and again I’m promised the case manager will call me by the end of the day. This doesn’t happen. Instead, I get the most insulting email essentially inferring that I don’t know what I’m doing with my own money. I request again that the case manager calls me as they had promised. This doesn’t happen Day 6 (Fri) - the transfer is still held up and my online banking is still blocked. I could now miss the deadline for my proposed investment As at 9pm on 25 July (working day 7) I’m still waiting to hear from the case manager. My transfer is still held up. I am beyond frustrated. If I could sue Nationwide, I would. Is it the role of my bank to decide what I can or can’t invest in? So if you’d like the idea of having a bank account with your dad, then press ahead with Nationwide. Good luck. Reviewed on: 25th July 2022

Terrible service

Nationwide bank car break down service via the AA is a terrible service. My car broke down near a garage and they attended but failed to start it. Only to then be refused recovery because they suspected commercial use. It was the first time I USED THE SERVICE AND ALL THOSE YEARS OF PAYING £13 A MONTH FOR NOTHING. Reviewed on: 24th July 2022

You get what you pay for!

Left for almost 7 hours at a service station in France, had to wait up to 30 mins each time to speak to a representative, and a different person each time. I was not told where the bike was being taken and received no further correspondence from them until I got back to UK. I have to say I definitely would not recommend.! Reviewed on: 9th July 2022

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