Nationwide joint accounts

Nationwide offers a range of joint accounts, from everyday accounts to accounts that offer more in the way of features like cashback, interest and insurance.

Our verdict: Is it worth opening a joint account with Nationwide?

Nationwide offers a great selection of joint bank accounts, whether you’re looking for something straightforward to help you manage your shared expenses, or you want an account that offers more in the way of features, such as cashback or travel insurance.

What’s more, there are plenty of joint savings accounts to choose from if you’re looking to set some money aside for a shared savings goal.

However, it’s worth comparing these accounts with others on the market to be sure you’re picking the right joint account for you and the other account holder.

Pros and cons of a Nationwide joint account

Does Nationwide offer a joint account?

Yes, Nationwide offers a selection of joint bank accounts for 2 people. Each account holder receives a debit card that can be used for shared spending, and the account works much like an individual bank account.

As Nationwide is a licensed UK bank, money held in a joint account is protected up to £120,000 per person through the Financial Services Compensation Scheme (FSCS).

Which accounts are joint?

Nationwide offers a broad range of joint accounts.

• FlexBasic
• FlexPlus
• FlexDirect
• FlexAccount

You can choose from a basic joint bank account which could be useful if you’ve found it difficult to qualify for other current accounts. Or you can select an everyday account that offers everything you’d expect from a bank account and no monthly fee.

Alternatively, FlexPlus offers more in the way of features such as interest on your balance, cashback and travel and mobile phone insurance, but comes with a monthly fee. You only pay the fee between you and can still both benefit from the perks on offer.

Nationwide also offers a variety of joint savings accounts, helping you to put money away for joint savings goals such as a house deposit or a holiday.

How do I get a joint account with Nationwide?

If you’re applying for a new account that you want to hold jointly, you can request this during the application process. You can usually do this online, or by phone or in branch.

If you want to change an existing sole current account to a joint account, you will need to call Nationwide and ask for another account holder to be added. Both the existing and new account holder must be present on the call.

To make sure you get accurate and helpful information, this guide has been edited by Kate Steere as part of our fact-checking process.

Written by

Rachel Wait

Writer

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio