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 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

4 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

Nationwide

Flexdirect

4 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 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

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Nationwide

FlexAccount

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Nationwide

FlexBasic

2 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £1
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i

Premium bank accounts

Nationwide

FlexPlus

4 stars
Estimated amount of money customers get back (minus annual fee) i £210.54
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

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%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%

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%
Risk based? i
Balance transfer rate during promotional period i 0%
Representative balance transfer rate i 1.53%

0% purchase credit cards

Nationwide

Member card with All Rounder Offer

4 stars
Duration of purchases offer period i 15 months
Representative APR i 19.90%
Highest APR i 24.90%
Risk based? i
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

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%
Risk based? i
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

Foreign use credit cards

Nationwide

Member card with Balance Transfer offer

3 stars
Representative APR i 19.90%
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 1.53%

Nationwide

Member card with All Rounder Offer

3 stars
Representative APR i 19.90%
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 1.53%

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 £5,000,000
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 £5,000,000
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 Sum insured
Compulsory excess i £100
Escape of water excess i £250
Alternative accommodation cover limit i £30,000
Cover for keys if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Nationwide

Home Insurance (up to £50,000 contents)

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 with Matching Items Cover)

4 stars
Theft from outbuildings cover limit i £5,000
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 £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 with Matching Items Cover)

4 stars
Theft from outbuildings cover limit i £5,000
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 £30,000
Money in the home cover limit i £1,000
Cover for keys if stolen i £750
24hr helpline i

Nationwide

Home Insurance (more than £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