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Nationwide: FlexPlus reviews

Name: FlexPlus
Rating: 3.98 (322 reviews)

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3.99

Based on 322 reviews, last reviewed 7th Sep 2025

43% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

65%

10%

21%

Latest highest rating:

5

Excellent Excellent value, great rates, amazing treatment to make customers feel valued with the Fairer Share scheme and higher saving interest rates Reviewed on: 7th September 2025

Latest lowest rating:

1

Let me down completely in my hour of need After years of having this account for the cover benefits I actually needed to call on the breakdown recovery today as my battery is flat and I'm on h... Read more Reviewed on: 27th May 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.

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Nationwide FlexPlus reviews (322)

Great service and value you can trust

The package represents exceptional value but the main selling point is you can trust Nationwide. Reviewed on: 8th February 2021

Threatened to close account if I complained to the Financial Ombudsman

I made a complaint to the financial ombudsman regarding charges on my account. Nationwide customer service called me and told me they were giving notice to close my account because I had complained. They said I could keep a bank account if I didn’t complain about an wrong doings they did and would monitor my account for any complaints in the future. If I made another complaint about something they did wrong my bank account would be closed. Can’t believe a UK bank can operate by threatening its customers. Reviewed on: 27th January 2021

Utterly useless don't use them

Utterly useless don't use them, complained about staff in local branch and was told I was abusive & voilant towards them. All I asked for was replacement card as it gets refused everywhere as won't swipe or use in machine. They said at counter can't do anything you have to phone call center,. Reviewed on: 19th January 2021

Flex plus Travel Insurance

Submitted a claim in April 2020 and it is now January 2021 and they are still undecided over accepting that I was covered when my holiday had to be cancelled when the Danish government banned all foreign nationals from entering Denmark due to the Corona pandemic. I get conflicting views as to wether my claim is valid and have had to keep chasing them for a firm decision before I involve the ombudsman . UK insurance who underwrite these policies are a disgrace and Nationwide should stop using them . Reviewed on: 14th January 2021

Travel Insurance

10 years ago we were delayed returning from holiday after flights were cancelled due to an ash cloud caused by a volcanic eruption. We claimed for delayed departure & Nationwide duly paid out. In March our flights from Spain were cancelled due to Covid 19. We eventually returned 4 months later, when flights resumed. Last week Nationwide finally declined to pay out for the delay because we hadn't checked in before the flight was cancelled. Apparently the wording of the policy has been changed. Handy for them given that free check in on Ryanair flights begins only 48 hours before departure. Reviewed on: 7th October 2020

Small print catches out Nationwide Insurance

Could not cancel Villa less than 28 days before departure date ( even though Foreign Office advising against travel well before) or would not have covered deposit. Had to cancel more than 30 days before to avoid paying non refundable balance with Interchalet. Result - Credit card charged with balance two days before I could cancel and claim. Makes a change for small print to cost Insurance companies over 400% extra. On another note they made everybody claim their own share of villa costs even though we all had flexplus accounts. They will not even save the extra excesses as everyone was claiming their own flight costs from them anyway. Just a lot of extra admin. Could not even take up Ryanair's offer of free transfer of flights till December as small print would have annulled insurance. Claim now and rebook and pay Ryanair if we are lucky in December. Reviewed on: 6th October 2020

Breakdown & Recovery service exceptional

We had an exceptional experience with our Flexplus breakdown cover when we broke down with our little caravan On the motorway this evening. Complete contrast to every other previous nightmare we have had with other cover in the past. Call answered immediately by Brittania, the company Nationwide uses to provide this service; call handler fantastic and very helpful. Told someone would be with us within 60 mins. Frequent text updates, a call back to check we are ok within 30 mins, and the recovery vehicle was just arriving at that time. The recovery service, provided by Fred Camm Recovery Limited, was also excellent - issue was quickly identified, resolution reached and within 20 mins we were on our way home with a plan for our caravan being delivered to us. Shortly afterwards we also received a call from the Highways Agency to check we were ok. All in all, the whole thing was fantastically slick, straightforward and easy and after past problems with other breakdown companies I would say this service Alone makes the Flexplus Account worth every penny! Reviewed on: 12th September 2020

Nationwide Should Be Ashamed!

Flex plus travel cover. Made a claim in March for trip cancelled as a result of pandemic. Keep receiving message that they have tried to contact me (this is an outright lie!) and ask to send further information ..done...but still saying they have tried to contact me (another outright lie!)....and ask for more information but not saying what is required. Manage to speak to someone once after a 45 minute delay...Another request now (again saying they have tried to contact me...another lie)...asking for more information but not saying what. NATIONWIDE I HOPE YOU READ THIS AS I AM DIGUSTED WITH YOUR SERVICE!!! Reviewed on: 3rd September 2020

Watch out!

Went through the process of opening a FlexPlus account & you need to pay an extra premium if you need existing health conditions which is fair enough. Rang a bloke in Doncaster to run through health questions, got to the end of the questions and he hit me with the premium which was a little expensive but that was not the problem. I had a heart attck back in 2004 but been fine since no blood pressure, angina issues, never smoked etc. I go skiing every year without probems and when I have taken out insurance over all these years no-one has ever refused to insure me! The Insurance Company that nationwide use wouldn't insure me if I have a heart attack whilst on holiday even with a premium! What?!! So be careful before you sign up to this account at £13/month if you have any existing health conditions. Reviewed on: 1st September 2020

Nearly 6 months

Claimed off uk insurance through my Nationwide A/C at beginning of April, no end of August, Have been asked questions like , The method you used to return to U.K from Australia after your flights were cancelled? Please confirm what your booking with Singapore airlines was for?. I could go on. Waited up to 90 minutes to speak to a representative, All I get is your claim is under review. Reviewed on: 27th August 2020

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