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Nationwide: Credit card reviews

Name: Credit card
Rating: 4.07 (206 reviews)

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4.07

Based on 206 reviews, last reviewed 19th Feb 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

60%

21%

12%

Latest highest rating:

5

Excellent customer service .... Excellent customer service both online and in branch. Good range of products. Reviewed on: 14th February 2026

Latest lowest rating:

1

Astonished at the level of failure in a regulated bank I am genuinely astonished that this level of operational failure is occurring within a regulated bank. Nationwide repeatedly denied a customer access ... Read more Reviewed on: 19th February 2026

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About this product

Nationwide’s purchase and balance transfer credit card offers 0% interest on all purchases and balance transfers for 15 months.

The 0% interest also applies to spending abroad. You can apply if you have a Nationwide current account, savings account or mortgage. You can’t apply if you already have a Nationwide credit card.

Nationwide credit card 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 Credit card reviews (206)

Astonished at the level of failure in a regulated bank

I am genuinely astonished that this level of operational failure is occurring within a regulated bank. Nationwide repeatedly denied a customer access to funds despite four separate branch attendances with valid ID. On one occasion, the branch manager personally verified the ID and phoned Nationwide’s security team while holding it. Even then, access to funds was still refused. The solution offered afterwards was simply to “go back into the branch with ID again”, as though none of the previous visits had happened. What makes this deeply concerning is the complete absence of records. Nationwide has stated there were: no notes of calls no notes of branch visits no notes of ID verification no notes of DSAR requests Yet security decisions continued to be enforced regardless. Alongside this, multiple Nationwide staff — including on a security line — demonstrated a basic misunderstanding of data protection law, repeatedly referring to a Data Subject Access Request (DSAR) as a Freedom of Information request. FOI legislation does not apply to Nationwide at all. The fact that this error was repeated suggests a training and governance issue, not an isolated mistake. This case involved a disabled, vulnerable single mother, and Nationwide was explicitly told that denying access to funds was placing her at risk. Despite that, no proportionate safeguarding response was applied. The real-world consequences included missed medical appointments, disruption to a child’s education, damaged relationships, and credible safety concerns. This was not robust fraud prevention. It was process without memory, judgement, or accountability. For an organisation already fined heavily by the regulator for systemic control failures, this experience raises serious questions about whether governance and training issues have genuinely been resolved. Based on this experience, I would have real concerns about Nationwide’s ability to manage complex or vulnerable customer situations safely. Reviewed on: 19th February 2026

Excellent customer service ....

Excellent customer service both online and in branch. Good range of products. Reviewed on: 14th February 2026

Trying to get answers online is almost impossible an...

Trying to get answers online is almost impossible and very stressful, I was eventually given a refund from a company I used with no help from nationwide, it showed on my online account for a day then dissappeared showing I still owed all the full original payment, when I eventually got hold of someone from nationwide after a lengthy wait they told me that I did get the refund and stated the refund which was £100 short, when I questioned it, again after a lengthy wait I was told sorry typing error! There should be a way of seeing refunds until clear all the time online, not just for a day! I'm looking at sourcing another credit card company, I have zero trust or confidence in nationwide now. Reviewed on: 2nd February 2026

Nationwide it self is fine.

Nationwide it self is fine. The only issue with their credit card is, there are no perks, like points, rewards, deals or discounts. Use your credit card, pay your bill on time and then story ends. Reviewed on: 28th January 2026

Excellent all-round service from Nationwide.

Excellent all-round service from Nationwide. Reviewed on: 22nd January 2026

Easy and very efficient service

Easy process, quick reply, very efficient service Reviewed on: 22nd January 2026

Great company, excellent customer service and always...

Great company, excellent customer service and always very reasonable. The definition of customer-focused Reviewed on: 22nd January 2026

For the customers!

I’ve always found them to be easy to contact and willing to advise and help with any issue. I like their app, smooth and intuitive. Reviewed on: 22nd January 2026

RAHAL saved the day

On the weekend 17/18/19/October I tried to apply for an online Nationwide credit card. But filled in the form unknowingly incorrectly and was refused the card first time ever. Tried the local branch 20/10/25 they gave me a telephone number that no longer existed. I tried for an hour to get through on another number. Rang the branch back they put me through (eventually) to a human a great guy named RAHAL who steered me through the whole process showed me where I went wrong and basically got me my Nationwide credit card So answering the review the electronic phone service was dire absolute pants until RAHAL the cavalry arrived and saved the day Reviewed on: 20th October 2025

Easy to use and understand, especially as a first cr...

Easy to use and understand, especially as a first credit card. I like how it is all able to be accessed online, and you can transfer money between accounts easily and see your balance. I would recommend. Reviewed on: 5th September 2025

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