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 11th of 28 providers reviewed.

Customer happiness 72.47%
Customer trust 69.33%
Complaints performance 57.34%
Transparency rating 78.25%
Fairer Finance score
Reviewed Spring 2022
69%
Gold ribbon: first place

Credit cards

Ranked 5th of 30 providers reviewed.

Customer happiness 65.84%
Customer trust 65.53%
Complaints performance 57.34%
Transparency rating 68.4%
Fairer Finance score
Reviewed Spring 2022
64%
Gold ribbon: first place

Home Emergency Cover

Ranked 6th of 16 providers reviewed.

Customer happiness 64.41%
Customer trust 56.76%
Complaints performance 71.93%
Transparency rating 66.43%
Fairer Finance score
Reviewed Spring 2022
65%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 4th of 49 providers reviewed.

Customer happiness 64.51%
Customer trust 67.12%
Complaints performance 70.93%
Transparency rating 82.37%
Fairer Finance score
Reviewed Spring 2022
71%

Investing and pensions

Our ratings for Investing and pensions are hosted exclusively on The Times Money Mentor site.

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Life insurance

Ranked 26th of 26 providers reviewed.

Claims score 68.50%
Complaints performance 83.02%
Transparency rating 45.81%
Fairer Finance score
Reviewed Autumn 2021
66%
Gold ribbon: first place

Mortgages

Ranked 2nd of 21 providers reviewed.

Customer happiness 66.3%
Customer trust 61.7%
Complaints performance 81.08%
Transparency rating 70.65%
Fairer Finance score
Reviewed Spring 2022
70%
Gold ribbon: first place

Personal loans

Ranked 5th of 25 providers reviewed.

Customer happiness 68.99%
Customer trust 67.37%
Complaints performance 57.34%
Transparency rating 68.8%
Fairer Finance score
Reviewed Spring 2022
66%

Savings accounts

Ranked 18th of 49 providers reviewed.

Customer happiness 56.47%
Customer trust 65.59%
Complaints performance 57.34%
Transparency rating 78.33%
Fairer Finance score
Reviewed Spring 2022
64%

Bank accounts

Basic bank accounts

Nationwide

FlexBasic

4 stars
Faster Payment limit i £10,000.00
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i

Current accounts

Nationwide

FlexAccount

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

Nationwide

Flexdirect

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

Foreign use bank accounts

Nationwide

FlexPlus

5 stars
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

Nationwide

FlexStudent

5 stars
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

Nationwide

FlexDirect

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Nationwide

FlexAccount

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Nationwide

FlexBasic

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Nationwide

FlexDirect (First 12 months)

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

Nationwide

FlexPlus

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

Nationwide

FlexDirect

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

Nationwide

FlexAccount

1 stars
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

5 stars
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

5 stars
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

4 stars
Duration of 0% balance transfer offer period i 18 months
Balance transfer fee during promotional period i 1.5%
Representative APR i 19.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.5%
Representative balance transfer rate i 1.527%
Risk based? i

Nationwide

Member Credit Card with All Rounder Offer

4 stars
Duration of 0% balance transfer offer period i 15 months
Balance transfer fee during promotional period i 1.5%
Representative APR i 19.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.5%
Representative balance transfer rate i 1.527%
Risk based? i

0% purchase credit cards

Nationwide

Member Credit Card with All Rounder Offer

5 stars
Duration of purchases offer period i 15 months
Representative APR i 19.9%
Highest APR i 24.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.527%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Nationwide

Member Credit Card with Balance Transfer offer

3 stars
Duration of purchases offer period i 3 months
Representative APR i 19.9%
Highest APR i 24.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.527%
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

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.5%
Representative APR i 19.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.527%

Nationwide

Member Credit Card with All Rounder Offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.5%
Representative APR i 19.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.527%

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

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

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Nationwide

Lifetime Lump Sum Joint Standard Lite

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

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Nationwide

Lifetime Lump Sum Single standard Lite

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

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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.

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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.

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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.

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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.

Nationwide

Lifetime Lump Sum Joint Super 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 Super 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 Super 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 Super 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) (with Matching Items Cover)

5 stars
Matching sets i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £30,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £750.00
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Nationwide

Home Insurance (up to £50,000 contents)

4 stars
Matching sets i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £750.00
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Matching sets i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £30,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £750.00
Money in the home i £1,000.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Nationwide

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

4 stars
Matching sets i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £350.00
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £750.00
Money in the home i £750.00
Replace belongings new for old i
24hr helpline i
Finding and repairing a leak 5000

Buildings insurance

Nationwide

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

5 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £50.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £2,000,000.00

Nationwide

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

5 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £50.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £5,000,000.00

Nationwide

Home Insurance (up to £50,000 contents)

4 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £50.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £50.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £5,000,000.00

Contents insurance

Nationwide

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

5 stars
Theft from outbuildings cover limit i £5,000.00
Matching sets i
Cover for keys if lost i £1,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000.00
Money in the home cover limit i £1,000.00
Cover for keys if stolen i £1,000.00
24hr helpline i

Nationwide

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

4 stars
Theft from outbuildings cover limit i £2,500.00
Matching sets i
Cover for keys if lost i £750.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000.00
Money in the home cover limit i £750.00
Cover for keys if stolen i £750.00
24hr helpline i

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Theft from outbuildings cover limit i £5,000.00
Matching sets i
Cover for keys if lost i £1,000.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £30,000.00
Money in the home cover limit i £1,000.00
Cover for keys if stolen i £1,000.00
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents)

3 stars
Theft from outbuildings cover limit i £2,500.00
Matching sets i
Cover for keys if lost i £750.00
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i £15,000.00
Money in the home cover limit i £750.00
Cover for keys if stolen i £750.00
24hr helpline i