Nationwide

Dating back to 1846, currently based in Swindon, Nationwide is now the largest building society in the world. 

Nationwide has a mutual ownership structure, which means it's owned by its customers, rather than private shareholders.

They offer a number of products including, bank and savings accounts, mortgages, credit cards, insurance and investment accounts. 

They are the second largest provider of mortgages and savings accounts in the UK.


Nationwide
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Gold ribbon: first place

Bank accounts

Ranked 3rd of 34 providers reviewed.

Customer happiness 74%
Customer trust 68%
Complaints performance 76%
Transparency rating 63%
Fairer Finance score
Reviewed Autumn 2019
70%
Gold ribbon: first place

Credit cards

Ranked 3rd of 32 providers reviewed.

Customer happiness 70%
Customer trust 65%
Complaints performance 76%
Transparency rating 40%
Fairer Finance score
Reviewed Autumn 2019
63%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 2nd of 49 providers reviewed.

Customer happiness 64%
Customer trust 60%
Complaints performance 92%
Transparency rating 64%
Fairer Finance score
Reviewed Autumn 2019
70%

Life insurance

Ranked 19th of 24 providers reviewed.

Claims score 96.64%
Complaints performance 84%
Transparency rating 48%
Fairer Finance score
Reviewed Autumn 2019
66%
Gold ribbon: first place

Mortgages

Ranked 1st of 21 providers reviewed.

Customer happiness 66%
Customer trust 57%
Complaints performance 83%
Transparency rating 71%
Fairer Finance score
Reviewed Autumn 2019
69%
Gold ribbon: first place

Personal loans

Ranked 1st of 29 providers reviewed.

Customer happiness 65%
Customer trust 65%
Complaints performance 76%
Transparency rating 75%
Fairer Finance score
Reviewed Autumn 2019
70%
Gold ribbon: first place

Savings accounts

Ranked 10th of 46 providers reviewed.

Customer happiness 60%
Customer trust 63%
Complaints performance 76%
Transparency rating 62%
Fairer Finance score
Reviewed Autumn 2019
65%

Bank accounts

Basic bank accounts

Nationwide

FlexBasic

5 stars
Faster Payment limit i £10,000
Maximum cash machine withdrawal per day i £500
Part of FSCS i

Current accounts

Nationwide

FlexAccount

5 stars
Faster Payment limit i £10,000
Maximum cash machine withdrawal per day i £500
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0
Card payment fee (£) i £0
App capability? i

Foreign use bank accounts

Nationwide

FlexPlus

5 stars
Foreign cash withdrawal fee i 0%
Foreign purchases fee i 0%
What is the exchange rate linked to? i Visa
Is there a limit on free cash withdrawals? i

Nationwide

FlexStudent

5 stars
Foreign cash withdrawal fee i 0%
Foreign purchases fee i 0%
What is the exchange rate linked to? i Visa
Is there a limit on free cash withdrawals? i

Nationwide

FlexDirect

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign purchases fee i 2.75%
What is the exchange rate linked to? i Visa
Is there a limit on free cash withdrawals? i

Nationwide

FlexDirect (first year)

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign purchases fee i 2.75%
What is the exchange rate linked to? i Visa
Is there a limit on free cash withdrawals? i

Nationwide

FlexAccount

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign purchases fee i 2.75%
What is the exchange rate linked to? i Visa
Is there a limit on free cash withdrawals? i

Nationwide

FlexBasic

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign purchases fee i 2.75%
What is the exchange rate linked to? i Visa
Is there a limit on free cash withdrawals? i

Overdrafts

Nationwide

FlexPlus

5 stars
Arranged overdraft daily charge i £0.50
Arranged overdraft monthly charge i £0
Arranged overdraft interest rate (EAR) i 0%

Nationwide

FlexDirect (first year)

5 stars
Arranged overdraft daily charge i £0
Arranged overdraft monthly charge i £0
Arranged overdraft interest rate (EAR) i 0%

Nationwide

FlexDirect

4 stars
Arranged overdraft daily charge i £0.50
Arranged overdraft monthly charge i £0
Arranged overdraft interest rate (EAR) i 0%

Nationwide

FlexAccount

4 stars
Arranged overdraft daily charge i £0
Arranged overdraft monthly charge i £0
Arranged overdraft interest rate (EAR) i 18.90%

Premium bank accounts

Nationwide

FlexPlus

5 stars
Estimated amount of money customers get back (minus annual fee) i £234.54
Maximum cash daily withdrawal ATM (domestic) i £500
Part of FSCS or international equivalent i

Nationwide

FlexDirect

4 stars
Estimated amount of money customers get back (minus annual fee) i £65
Maximum cash daily withdrawal ATM (domestic) i £500
Part of FSCS or international equivalent i

Nationwide

FlexDirect (first year)

4 stars
Estimated amount of money customers get back (minus annual fee) i £65
Maximum cash daily withdrawal ATM (domestic) i £500
Part of FSCS or international equivalent i

Student bank accounts

Nationwide

FlexStudent

5 stars
Arranged overdraft limit i £3,000
Tiered repayment of overdraft i £2.5k/1.75k/1k - each year
Switching / sign up incentive i

Credit cards

0% balance transfer credit cards

Nationwide

Select

5 stars
Balance transfer rate during promotional period i 0%
Duration of balance transfer offer period i 12 months
Representative APR i 15.90%
Risk based? i
Representative balance transfer rate i 1.24%

Nationwide

Credit Card

5 stars
Balance transfer rate during promotional period i 0%
Duration of balance transfer offer period i 12 months
Representative APR i 17.90%
Risk based? i
Representative balance transfer rate i 1.39%

0% purchase credit cards

Nationwide

Select

4 stars
Purchase rate during promotional period i 0%
Duration of purchases offer period i 12 months
Representative APR i 15.90%
Risk based? i
Representative purchase rate i 1.24%
Number of days before interest is charged on purchases i 56 days

Nationwide

Credit Card

4 stars
Purchase rate during promotional period i 0%
Duration of purchases offer period i 12 months
Representative APR i 17.90%
Risk based? i
Representative purchase rate i 1.39%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

Nationwide

Select

4 stars
Representative APR i 15.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.50%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.24%

Nationwide

Credit Card

4 stars
Representative APR i 17.90%
Foreign purchase fee i 2 (unless commission-free allowance is earned)
Foreign withdrawal fee i 2.5 (unless commission-free allowance is earned)
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.39%

Home insurance (building and contents)

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £750
Money in the home i £1,000
Replace belongings new for old i

Nationwide

Home Insurance (up to £50,000 contents) (with Matching Items Cover)

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £2,500
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £750
Money in the home i £750
Replace belongings new for old i

Nationwide

Home Insurance (more than £50,000 contents) (with Matching Items Cover)

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £750
Money in the home i £1,000
Replace belongings new for old i

Nationwide

Home Insurance (up to £50,000 contents)

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £2,500
24hr helpline i
Alternative accommodation cover limit i £50,000
Cover for keys if lost i £750
Money in the home i £750
Replace belongings new for old i

Buildings insurance

Nationwide

Home Insurance (up to £50,000 contents)

4 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i
Cover for keys if lost i £750
Compulsory excess i £50
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i
Cover for keys if lost i £750
Compulsory excess i £50
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents with Matching Items Cover)

4 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i
Cover for keys if lost i £750
Compulsory excess i £50
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Nationwide

Home Insurance (more than £50,000 contents with Matching Items Cover)

4 stars
Finding & repairing a leak cover limit i £5,000
Matching sets i
Cover for keys if lost i £750
Compulsory excess i £50
Escape of water excess i £350
Alternative accommodation cover limit i £50,000
Cover for keys if stolen i £750
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Nationwide

Home Insurance (more than £50,000 contents with Matching Items Cover)

5 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £1,000
24hr helpline i

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £1,000
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents with Matching Items Cover)

4 stars
Theft from outbuildings cover limit i £2,500
Matching sets i
Cover for keys if lost i £750
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £750
Cover for keys if stolen i £750
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents)

3 stars
Theft from outbuildings cover limit i £2,500
Matching sets i
Cover for keys if lost i £750
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000
Money in the home cover limit i £750
Cover for keys if stolen i £750
24hr helpline i