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Nationwide: FlexPlus reviews

Name: FlexPlus
Rating: 4.03 (352 reviews)

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4.03

Based on 352 reviews, last reviewed 28th Mar 2026

2400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

66%

10%

20%

Latest highest rating:

5

Meticulous Nationwide Ambient staff, very caring people, and meticulously prepared to help us customers Reviewed on: 28th March 2026

Latest lowest rating:

2

AA breakdown cover from Nationwide flex plus I hit a pothole and burst a tyre at midday. Reporting procedure was quick and efficient, however AA came after 2 hours of reporting and I had to wait ... Read more Reviewed on: 3rd March 2026

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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.

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Nationwide FlexPlus reviews (352)

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

Packaged account

Had to recently claim my travel insurance as my son broke his ankle days before we went to florida. The whole process was easy and the girl I spoke to on the phone (jade) was super friendly and talked me through the whole process. Had my money back within 10 days. Can’t fault them Reviewed on: 3rd July 2022

A shameless and repulsive company, avoid at all costs

The only consistent thing about Nationwide is their horrendous web of lies, the company is rotten to the core. This time around they disabled my card while I was in Ho Chi Minh city, leaving me with no money, half a world away. Despite having a note on my account saying that I travel extensively. The explanation they gave was "the chip has become broken, but its on the inside, so it looks fine from the outside". Then refused to elaborate when I probed further. Furthermore, they then offered no assistance and left me to fend for myself. Reviewed on: 21st June 2022

Evil staff and liars

I nearly had a heart attack and been unable to sleep and eat . They closed the account without any warning knowing I had direct debts on and sent all the money through the Post . No a phone call or email . I had made several complaints but none of them never got dealt with Very Nasty !! Reviewed on: 20th June 2022

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