Account nameFlexPlus
£200 for accounts switched when at least 2 direct debits are switched using the Current Account Switch Service.
ProviderNationwide BS
Account fee£13 per month
ATM withdrawal limit£500
Debit networkVisa
Card typeDebit
Minimum eligibility age18 Years
Minimum operating balance£0
Minimum opening balance£0
Direct debits
Current account switch guarantee
Cheque Book

Nationwide Building Society is owned by its members which means that anyone who banks, saves or has a mortgage with Nationwide can have their say on how it’s run. Its history dates back to the 19th century and it offers a wide range of financial products including current accounts.

What is the Nationwide FlexPlus current account?

The Nationwide FlexPlus current account is a packaged account. This means it offers a range of benefits, including travel insurance, mobile phone insurance and European breakdown cover, in return for a £13 monthly fee.

The account can be managed online, via the app, over the phone or in branch and can be opened on a single or joint basis. In fact, you can open your FlexPlus as a joint account and add someone to it later, such as a friend, partner or family member.

How does it work?

The Nationwide FlexPlus current account offers the following key features:

  • Worldwide travel insurance. For you and your family, including winter sports, golf, weddings and business cover.
  • Mobile phone insurance for the family. Your phone and those belonging to your partner and dependent children are covered for loss, theft, damage and faults.
  • Vehicle breakdown cover. Whether you’re driving or a passenger, you’ll have cover from the AA in the UK and rest of Europe, with no excess to pay and unlimited callouts.
  • Access to other products. As a member of Nationwide, you’ll get access to exclusive savings accounts like its Flex Regular Saver.
  • Text alerts. Set your text alert preferences to help you manage your money.
  • Optional cheque book. You can request a cheque book if you need one.
  • Arranged overdraft. You can apply for an arranged overdraft at any time.
  • Fee-free transactions abroad. There are no transaction fees for using your Visa debit card abroad.

Who is it for?

To open the Nationwide FlexPlus account, you must be a UK resident aged 18 or over and hold no more than 4 existing sole or joint Nationwide current accounts.

This account is likely to best suit families who regularly travel and who are likely to make use of the benefits on offer, provided they’re happy to pay £13 a month.

What are the benefits?

The biggest benefit of the FlexPlus account is that you’ll be able to make the most of a range of different insurance policies for you and your family. These include travel insurance, mobile phone insurance and vehicle breakdown cover. Another key benefit is that there are no fees for using your debit card overseas, making the account even more suitable for those who regularly holiday abroad.

How to apply

The easiest way to apply for the Nationwide FlexPlus account is online. If you’re opening an individual account you can also do so over the phone. To open your account, you’ll need:

  • Your address history for the past 3 years
  • Your employer’s address (if you’re employed)
  • A valid UK passport or driving licence

If you don’t have a passport or driving licence you may need to go into a branch with your ID.

Is it safe?

Yes, Nationwide is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. This means eligible deposits will be protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person (up to £170,000 for joint accounts).

Pros and cons of the Nationwide FlexPlus account


  • Includes travel insurance, mobile phone insurance and breakdown cover
  • Arranged overdraft available
  • Access to exclusive products
  • Easy to apply for
  • FSCS protection
  • No fees for using your card abroad


  • Monthly fee applies
  • Interest charged on overdrafts
  • No interest paid on balances

Our verdict

If you’re looking for a current account that offers a little extra, the Nationwide FlexPlus account is one of the most competitive packaged accounts out there. For a fee of just £13 a month, you’ll get a range of insurance policies for you and your family.

However, before proceeding, it’s important to check you do not already have travel, mobile or breakdown cover elsewhere. For example, your mobile phone might already be protected under your home insurance or you might already have travel insurance through your credit card.

In addition, consider whether you’re likely to make full use of these benefits to ensure the fee is worth paying. It can make good financial sense to check whether you can find these insurance policies for less than the annual cost of the account fee (£156 in this case) to ensure you’re definitely getting good value for money.

Finally, make sure you check for exclusions – there’s no point applying for the account, only to find you can’t make a claim when it matters most.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.


    Default Gravatar
    March 2, 2023

    Can we open a joint flex plus account. Does this account cover pre medical existing conditions

      March 6, 2023

      Hi Tony,

      You can open a FlexPlus account as a joint account. In terms of what the insurance covers, it is best if you take a look at the limits and exclusions on Nationwide’s website.



    Default Gravatar
    February 18, 2023

    How do I apply for a flex plus account

      February 20, 2023

      Hi David,

      You can apply for a Nationwide FlexPlus account via Nationwide’s website.

      Many thanks,


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