Nationwide

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

One of Nationwide's strengths is its mutual ownership structure, which means it's owned by its customers, rather than private shareholders.

It's the second largest provider of mortgages and savings accounts in the UK.

Its home insurance is underwritten by RSA, which owns brands such as More Than.

Life insurance and other protection products for Nationwide is provided by Legal & General.

Nationwide
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Gold ribbon: first place

Bank accounts

Ranked 3rd of 30 providers reviewed.

Customer happiness 74%
Customer trust 68%
Complaints performance 75%
Transparency rating 62%
Fairer Finance score
Reviewed Spring 2019
70%
Gold ribbon: first place

Credit cards

Ranked 7th of 34 providers reviewed.

Customer happiness 69%
Customer trust 65%
Complaints performance 75%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2019
62%
Gold ribbon: first place

Home insurance

Ranked 2nd of 47 providers reviewed.

Customer happiness 65%
Customer trust 62%
Complaints performance 91%
Transparency rating 63%
Fairer Finance score
Reviewed Spring 2019
70%

Life insurance

Ranked 23rd of 25 providers reviewed.

Claims score 96.64%
Complaints performance 88.25%
Transparency rating 46%
Fairer Finance score
Reviewed Spring 2019
67%
Gold ribbon: first place

Mortgages

Ranked 1st of 23 providers reviewed.

Customer happiness 68%
Customer trust 59%
Complaints performance 82%
Transparency rating 73%
Fairer Finance score
Reviewed Spring 2019
70%
Gold ribbon: first place

Personal loans

Ranked 3rd of 24 providers reviewed.

Customer happiness 68%
Customer trust 68%
Complaints performance 75%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2019
65%
Gold ribbon: first place

Savings accounts

Ranked 5th of 42 providers reviewed.

Customer happiness 60%
Customer trust 62%
Complaints performance 75%
Transparency rating 67%
Fairer Finance score
Reviewed Spring 2019
66%

Credit cards

0% balance transfers

Nationwide

Select

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

0% purchases

Nationwide

Select

4 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases 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 offer period for 0% purchases 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

Nationwide

Select

3 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

3 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

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £750
Money in the home i £1,000
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 i £2,500
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i £750
Money in the home i £750
New for old i

Buildings insurance

Nationwide

Home Insurance (up to £50,000 contents)

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

Nationwide

Home Insurance (more than £50,000 contents)

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

Contents insurance

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Theft from outbuildings i £5,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £30,000
Money in the home i £1,000
Cover for keys/locks if stolen i £1,000
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents)

3 stars
Theft from outbuildings i £2,500
Matching sets i
Cover for keys/locks if lost i £750
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £15,000
Money in the home i £750
Cover for keys/locks if stolen i £750
24hr helpline i