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.  

Nationwide
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Gold ribbon: first place

Bank accounts

Ranked 5th of 33 providers reviewed.

Customer happiness 71%
Customer trust 67%
Complaints performance 72%
Transparency rating 69%
Fairer Finance score
Reviewed Autumn 2020
70%
Gold ribbon: first place

Credit cards

Ranked 4th of 29 providers reviewed.

Customer happiness 69%
Customer trust 66%
Complaints performance 72%
Transparency rating 40%
Fairer Finance score
Reviewed Autumn 2020
62%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 5th of 51 providers reviewed.

Customer happiness 64.39%
Customer trust 65.22%
Complaints performance 59.07%
Transparency rating 75.69%
Fairer Finance score
Reviewed Autumn 2020
66%

Life insurance

Ranked 17th of 24 providers reviewed.

Claims score 68.50%
Complaints performance 81.1%
Transparency rating 55.18%
Fairer Finance score
Reviewed Autumn 2020
68%
Gold ribbon: first place

Mortgages

Ranked 2nd of 21 providers reviewed.

Customer happiness 65.02%
Customer trust 58.55%
Complaints performance 75.59%
Transparency rating 78.32%
Fairer Finance score
Reviewed Autumn 2020
69%
Gold ribbon: first place

Personal loans

Ranked 4th of 25 providers reviewed.

Customer happiness 70.06%
Customer trust 66.61%
Complaints performance 71.63%
Transparency rating 58.33%
Fairer Finance score
Reviewed Autumn 2020
67%
Gold ribbon: first place

Savings accounts

Ranked 13th of 47 providers reviewed.

Customer happiness 57.99%
Customer trust 63.87%
Complaints performance 71.63%
Transparency rating 65.2%
Fairer Finance score
Reviewed Autumn 2020
65%

Bank accounts

Basic bank accounts

Nationwide

FlexBasic

4 stars
Cost scenario i £34.31
Faster Payment limit i £10,000
Maximum cash machine withdrawal per day i £500
Part of FSCS i

Current accounts

Nationwide

FlexAccount

4 stars
Annual fee i £0
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

Nationwide

Flexdirect

4 stars
Annual fee i £0
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 cash withdrawal additional charge i £0
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i

Nationwide

FlexStudent

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

Nationwide

FlexDirect

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i

Nationwide

FlexAccount

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i

Nationwide

FlexBasic

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i

Overdrafts

Nationwide

FlexDirect (First 12 months)

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

Nationwide

FlexPlus

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0
Arranged overdraft interest rate (representative EAR) i 39.90%

Nationwide

FlexDirect

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0
Arranged overdraft interest rate (representative EAR) i 39.90%

Nationwide

FlexAccount

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0
Arranged overdraft interest rate (representative EAR) i 39.90%

Premium bank accounts

Nationwide

FlexPlus

5 stars
Annual reward and cost scenario i £126.66
Add-ons, cashback and rewards i LV UK & European Breakdown cover; LSG mobile phone insurance; UK insurance limited Worldwide family travel insurance;
Estimated amount of money customers get back (minus annual fee) i £159.54
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 £2,500/£1,750/£1,000 - each year
Switching / sign up incentive i
Cost scenario i £0

Credit cards

0% balance transfer credit cards

Nationwide

Member card with Balance Transfer offer

4 stars
Duration of balance transfer offer period i 18 months
Balance transfer fee during promotional period i 1.50%
Representative APR i 19.90%
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%
Risk based? i

Nationwide

Member card with All Rounder Offer

4 stars
Duration of balance transfer offer period i 15 months
Balance transfer fee during promotional period i 1.50%
Representative APR i 19.90%
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%
Risk based? i

0% purchase credit cards

Nationwide

Member card with All Rounder Offer

5 stars
Duration of purchases offer period i 15 months
Representative APR i 19.90%
Highest APR i 24.90%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Nationwide

Member card with Balance Transfer offer

3 stars
Duration of purchases offer period i 3 months
Representative APR i 19.90%
Highest APR i 24.90%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Foreign use credit cards

Nationwide

Member card with Balance Transfer offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.50%
Representative APR i 19.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.53%

Nationwide

Member card with All Rounder Offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.50%
Representative APR i 19.90%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.53%

Equity Release

Nationwide

Lifetime Lump Sum Joint Lite

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Nationwide

Lifetime Lump Sum Single Lite

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Nationwide

Lifetime Lump Sum Joint Standard Lite

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Nationwide

Lifetime Lump Sum Single standard Lite

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Nationwide

Lifetime Lump Sum Joint Lite Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Nationwide

Lifetime Lump Sum Single Lite Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Joint Mid

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Nationwide

Lifetime Lump Sum Single Mid

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Joint Standard Mid

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Nationwide

Lifetime Lump Sum Single Standard Mid

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

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Nationwide

Lifetime Lump Sum Joint standard

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Single Standard

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Joint Standard Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Single Standard Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Joint Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Single Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Joint Max

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Single Max

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Joint Max Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Nationwide

Lifetime Lump Sum Single Max Plus

Our ratings for Equity release are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Home insurance (building and contents)

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
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
24hr helpline i

Nationwide

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

4 stars
Matching sets i
Theft from outbuildings cover limit i £2,500
Escape of water excess i £350
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
24hr helpline i

Nationwide

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

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000
Escape of water excess i £350
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
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents)

3 stars
Matching sets i
Theft from outbuildings cover limit i £2,500
Escape of water excess i £350
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
24hr helpline i

Buildings insurance

Nationwide

Home Insurance (up to £50,000 contents)

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

Nationwide

Home Insurance (more than £50,000 contents)

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

Nationwide

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

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

Nationwide

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

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

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 (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 (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)

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