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Nationwide: Credit Card reviews

Name: Credit Card
Rating: 4.17 (197 reviews)

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4.10

Based on 197 reviews, last reviewed 15th Jul 2025

67% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

61%

21%

11%

Latest highest rating:

5

Fast and easy service Easy application process and a fast around service. Reviewed on: 15th July 2025

Latest lowest rating:

1

Don't believe their hype I have a credit limit of £5000 on a credit card. Never use it all, always only about £1200. So this month paid an amount (that was the full amount) of... Read more Reviewed on: 29th January 2025

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About this product

Nationwide Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do Nationwide customers like? Find out more about the Nationwide Credit Card by reading our trusted Smart Money People reviews. You can also write your own Nationwide Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Nationwide Credit Card reviews (197)

Review of the Nationwide, Credit Card:

Don't believe their hype

I have a credit limit of £5000 on a credit card. Never use it all, always only about £1200. So this month paid an amount (that was the full amount) of £850.00. Evidently the cheque took a while to get there. No, even though there was still £4,2000 credit available, these idiots at Nationwide not only took a late payment of £10 (no objection) but still with £4,200 credit available, they declined a payment of £8.20. Now you need to be totally devoid of common sense to do that. What is wrong with Nationwide? I am a long term customer. Never been overdrawn, never any trouble, yet the treat me with total disrespect. Nationwide do no deserve decent, good customers. A bank to give a miss. A nd whilst these pen-pushers were telling me they hadn't received the cheque in payment, this morning I spoke to my other bank (Halifax) and they say that the cheque had been cleared. So Nationwide were either lying or incompetent. take your selection. A company that is all talk and just not interested in true customer service. Reviewed on: 29th January 2025

Useful credit card I had for years

I’ve used this for years. It’s got several weeks to pay. An added bonus is there aren’t overseas transaction fees. Reviewed on: 8th February 2023

Fab for spending abroad

Great card perfect for spending abroad with no fees. Reviewed on: 1st February 2023

Customer Friendly

Thank you , I had my best experience with this bank Reviewed on: 29th January 2023

Excellent service

Brilliant product tdjDvzjxffnzgnxfjxfhtjz Reviewed on: 14th January 2023

Excellent company

A wonderful company with very helpful staff Reviewed on: 11th January 2023

Been with this society for almost 30 yrs. There is still none better.

Whilst Overdrafts are regulated and have to be charged at ridiculous rates, (42%) Nationwide offers a very broad range of competitive products, is fair, transparent and their staff are absolutely spectacular. If I had to pick a favourite branch, it would be the one at Southside Shopping Centre. This was not ideal, during the pandemic, but this branch is easily accessible, especially for disabled customers, is up-to-date with technology. (ATM Deposits of cash appear instantly on your account, for example) and the staff outstanding. At busier times, mainly lunch, it can be a little frustrating, as queues tend to form, but most other times, you can be in and out in under 10 mins. Also, very convenient for retailers who use the Shopping Centre, as they can get their deposits banked without even leaving the centre. I have to admit, Nationwide are slow to realise their potential in this area. Reviewed on: 12th June 2022

Horrendous!!

My fiancé and I are purchasing a house in America. He needs to transfer funds to the States in order to do this. Because of that, Nationwide started a fraud investigation which we had no problem with. What we do have a problem with is that they started it without any of the legal documents. We actually provided them of our own accord. This “investigation” has been going on and on causing us to missed our actual closing date. Not only do you never get to talk to the same person twice, but everyday you get a different story. One person will call and say, ok you’re good to go. Next day you get someone else and the nightmare begins again. Apparently it does not matter if you’ve submitted the legal paperwork or not. They will still freeze your account and prevent you from using your own funds to secure a residence. Reviewed on: 2nd June 2022

Avoid !!!!!!

Really poor customer service from this place. Treated poorly in branch by a rude member of staff who was very arrogant. Raised this with their customer service Tanya Pisani who offered a boris special “lessons will be learned” - absolutely disgusting customer service. Avoid and bank elsewhere !!! Reviewed on: 24th May 2022

Unprofessional CSR and managers

Shady, shady employees.... I am sure Nationwide Bank is a great bank but it is run by unprofessionals and uneducated people that probably never graduated high school. This is managed by people in New York or New Jersey who are uneducated and use the word "Axe" when using the word "Ask!" You can't reason with people that are uneducated that are also unprofessional. Nationwide Credit Card tried to side with the merchant even when I provided all the information they requested. I continued the dispute for over a year and I eventually won my dispute. In the end, this was pointless. They sent me a letter telling me credit will be returned to my credit card but Nationwide never gave me credit. I left countless messages for several managers and no one called me back. Then they reported to Experian that I did not pay my credit card that ruined my credit score. Reviewed on: 24th May 2022

Great if going abroad

Excellent exchange rates if using abroad. Reviewed on: 4th April 2022

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