Nationwide

Nationwide is the world’s largest building society. It’s a mutual organisation, meaning it is owned by its customers.

It can trace its history back to 1846, and exists in its current form as the result of more than a hundred mergers. Its headquarters are in Swindon.

Nationwide offers a full range of banking products, including current accounts, savings accounts, personal loans, mortgages and credit cards. It also offers home insurance, underwritten by RSA, and life insurance, underwritten by Legal and General.

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Bank accounts

Ranked 3^rd of 30 providers reviewed.

Customer happiness score	71.33%
Customer trust score	69.34%
Complaints performance	69.83%
Transparency rating	82.42%
Fairer Finance score Reviewed Autumn 2023	73%

Credit cards

Ranked 1^st of 34 providers reviewed.

Customer happiness score	67.51%
Customer trust score	67.66%
Complaints performance	70.84%
Transparency rating	79.87%
Fairer Finance score Reviewed Autumn 2023	71%

Home emergency cover

Ranked 8^th of 35 providers reviewed.

Customer happiness score	56.57%
Customer trust score	67.37%
Complaints performance	66.97%
Transparency rating	69.87%
Fairer Finance score Reviewed Autumn 2023	65%

Home insurance (building and contents)

Ranked 6^th of 46 providers reviewed.

Customer happiness score	64.85%
Customer trust score	69.86%
Complaints performance	66.59%
Transparency rating	78.84%
Fairer Finance score Reviewed Autumn 2023	70%

Investing and pensions

Ranked 8^th of 27 providers reviewed.

Customer happiness score	58.18%
Customer trust score	75.93%
Complaints performance	80.07%
Transparency rating	55.85%
Fairer Finance score Reviewed Autumn 2023	68%

Life insurance

Ranked 21^st of 24 providers reviewed.

Claims score	71.00%
Complaints performance	85.31%
Transparency rating	54.89%
Fairer Finance score Reviewed Autumn 2023	70%

Mortgages

Ranked 2^nd of 23 providers reviewed.

Customer happiness score	67.29%
Customer trust score	62.48%
Complaints performance	78.95%
Transparency rating	82.25%
Fairer Finance score Reviewed Autumn 2023	73%

Personal loans

Ranked 1^st of 27 providers reviewed.

Customer happiness score	70.76%
Customer trust score	68.62%
Complaints performance	69.9%
Transparency rating	82.55%
Fairer Finance score Reviewed Autumn 2023	73%

Savings Accounts

Ranked 15^th of 53 providers reviewed.

Customer happiness score	60.94%
Customer trust score	68.36%
Complaints performance	69.9%
Transparency rating	79.54%
Fairer Finance score Reviewed Autumn 2023	70%

Bank accounts

Basic bank accounts

Nationwide

FlexBasic

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Unpaid transaction fee i
Bankers draft/cheque fee i	Not available
Faster Payment limit i	£100,000.00
Maximum cash machine withdrawal per day i	£500.00
Can you use your card to pay for items overseas? i

Current accounts

Nationwide

FlexAccount

Annual fee i	£0.00
Maximum cash machine withdrawal per day i	£500.00
Part of FSCS i
App capability? i
Cash withdrawal fee in UK (own bank) i	£0.00
Card payment fee (£) i	£0.00

Nationwide

FlexDirect

Annual fee i	£0.00
Maximum cash machine withdrawal per day i	£500.00
Part of FSCS i
App capability? i
Cash withdrawal fee in UK (own bank) i	£0.00
Card payment fee (£) i	£0.00

Foreign use bank accounts

Nationwide

FlexPlus

Foreign cash withdrawal fee i	0%
Foreign cash withdrawal additional charge i	£0.00
Foreign purchases fee i	0%
Is there a limit on free cash withdrawals? i	Unlimited

Nationwide

FlexStudent

Foreign cash withdrawal fee i	0%
Foreign cash withdrawal additional charge i	£0.00
Foreign purchases fee i	0%
Is there a limit on free cash withdrawals? i	Unlimited

Overdrafts

Nationwide

FlexDirect (First 12 months)

Risk based overdraft? i
Arranged overdraft interest free amount i	£0.00
Arranged overdraft interest rate (representative EAR) i	0%

Nationwide

FlexPlus

Risk based overdraft? i
Arranged overdraft interest free amount i	£0.00
Arranged overdraft interest rate (representative EAR) i	39.9%

Nationwide

FlexDirect

Risk based overdraft? i
Arranged overdraft interest free amount i	£0.00
Arranged overdraft interest rate (representative EAR) i	39.9%

Premium bank accounts

Nationwide

FlexPlus

Add-ons, cashback and rewards i	UK & European Breakdown cover, mobile phone insurance for holder and family, worldwide travel insurance (including winter sports) for holder and family.
Part of FSCS or international equivalent i

Student bank accounts

Nationwide

FlexStudent

Arranged overdraft limit i	£3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Credit cards

0% balance transfer credit cards

Nationwide

Member Credit Card with Balance Transfer offer

Duration of 0% balance transfer offer period i	18 months
Balance transfer fee during promotional period i	1.5%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	1.5%
Representative balance transfer rate i	1.87%
Risk based? i

Nationwide

Member Credit Card with All Rounder Offer

Duration of 0% balance transfer offer period i	15 months
Balance transfer fee during promotional period i	1.5%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	1.5%
Representative balance transfer rate i	1.87%
Risk based? i

0% purchase credit cards

Nationwide

Member Credit Card with All Rounder Offer

Duration of purchases offer period i	15 months
Representative APR i	24.9%
Highest APR i	24.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.87%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Nationwide

Member Credit Card with Balance Transfer offer

Duration of purchases offer period i	3 months
Representative APR i	24.9%
Highest APR i	24.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.87%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Foreign use credit cards

Nationwide

Member Credit Card with Balance Transfer offer

Representative APR i	24.9%
Foreign purchase fee i	0%
Foreign withdrawal fee i	2.5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i	0 days
Representative purchase rate i	1.87%

Nationwide

Member Credit Card with All Rounder Offer

Representative APR i	24.9%
Foreign purchase fee i	0%
Foreign withdrawal fee i	2.5%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i	0 days
Representative purchase rate i	1.87%

Home emergency cover

Nationwide

Home Emergency Cover

Home Security Cover i
Home Emergency Cover limit i	£500.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£500.00
Unoccupied period i	Not Mentioned
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Home insurance (building and contents)

Nationwide

Home Insurance (more than £50,000 contents cover)

Alternative accommodation cover limit for buildings i	£50,000.00
Theft from outbuildings i	Limit specified in policy schedule
Protection against inflation (Buildings)
Matching sets (contents) i	Optional
Contents compulsory excess i	£50.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	Unlimited
Alternative accommodation cover limit for contents i	£30,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£5,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£750.00
Liability as a tenant i	Limit shown in your policy schedule
Replace belongings new for old i
Flood excess i	£50.00
Escape of water excess (minimum) i	£500.00
Money in the home i	£1,000.00
Visitor's possessions i	£750.00
Office equipment i	£10,000.00

Nationwide

Home Insurance (up to £50,000 contents cover)

Alternative accommodation cover limit for buildings i	£50,000.00
Theft from outbuildings i	Limit specified in policy schedule
Protection against inflation (Buildings)
Matching sets (contents) i	Optional
Contents compulsory excess i	£50.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£50,000.00
Alternative accommodation cover limit for contents i	£15,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£2,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£750.00
Liability as a tenant i	Limit shown in your policy schedule
Replace belongings new for old i
Flood excess i	£50.00
Escape of water excess (minimum) i	£500.00
Money in the home i	£750.00
Visitor's possessions i	£1,000.00
Office equipment i	£3,000.00

Nationwide

Home Insurance (more than £50,000 contents cover and with optional matching sets cover)

Alternative accommodation cover limit for buildings i	£50,000.00
Theft from outbuildings i	Limit specified in policy schedule
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£50.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	Unlimited
Alternative accommodation cover limit for contents i	£30,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£5,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£750.00
Liability as a tenant i	Limit shown in your policy schedule
Replace belongings new for old i
Flood excess i	£50.00
Escape of water excess (minimum) i	£500.00
Money in the home i	£1,000.00
Visitor's possessions i	£750.00
Office equipment i	£10,000.00

Nationwide

Home Insurance (up to £50,000 contents cover and with optional matching sets cover)

Alternative accommodation cover limit for buildings i	£50,000.00
Theft from outbuildings i	Limit specified in policy schedule
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£50.00
Property owner liability i	£2,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£50,000.00
Alternative accommodation cover limit for contents i	£15,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£2,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£750.00
Liability as a tenant i	Limit shown in your policy schedule
Replace belongings new for old i
Flood excess i	£50.00
Escape of water excess (minimum) i	£500.00
Money in the home i	£750.00
Visitor's possessions i	£1,000.00
Office equipment i	£3,000.00

Buildings insurance

Nationwide

Home Insurance (more than £50,000 contents cover and with optional matching sets cover)

Escape of water excess for buildings i	£500.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

Nationwide

Home Insurance (up to £50,000 contents cover and with optional matching sets cover)

Escape of water excess for buildings i	£500.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

Nationwide

Home Insurance (more than £50,000 contents cover)

Escape of water excess for buildings i	£500.00
Matching sets (Buildings) i	Optional
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

Nationwide

Home Insurance (up to £50,000 contents cover)

Escape of water excess for buildings i	£500.00
Matching sets (Buildings) i	Optional
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£50.00
Unoccupied period i	60 days
Property owner liability i	£2,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

Contents insurance

Nationwide

Home Insurance (more than £50,000 contents cover and with optional matching sets cover)

Matching sets (contents) i
Theft from outbuildings i	Limit specified in policy schedule
Cover for items away from home i	Optional
Property owner liability i	£2,000,000.00

Nationwide

Home Insurance (up to £50,000 contents cover and with optional matching sets cover)

Matching sets (contents) i
Theft from outbuildings i	Limit specified in policy schedule
Cover for items away from home i	Optional
Property owner liability i	£2,000,000.00

Nationwide

Home Insurance (more than £50,000 contents cover)

Matching sets (contents) i	Optional
Theft from outbuildings i	Limit specified in policy schedule
Cover for items away from home i	Optional
Property owner liability i	£2,000,000.00

Nationwide

Home Insurance (up to £50,000 contents cover)

Matching sets (contents) i	Optional
Theft from outbuildings i	Limit specified in policy schedule
Cover for items away from home i	Optional
Property owner liability i	£2,000,000.00

Nationwide

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Premium bank accounts

Student bank accounts

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Foreign use credit cards

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

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