Let s make choosing simple

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1 Current accounts

2 Let s make choosing simple Everyone wants different things from a current account. That s why we offer a range of different types. To make things simple, this leaflet gives you an overview of our accounts, so you ll know exactly what each one brings you. 1. Use our flow diagram on page 2 to see the accounts we offer. 2. Find more detail on pages 3 and Find out about switching your account on page 10. As a current account holder with us, you could take advantage of Flexclusives and Simply Rewards, a range of offers and discounts. You can find out more on page 9. Great customer satisfaction We re committed to providing the best possible service, but if something does go wrong, we aim to resolve it quickly and to our members and customers satisfaction. We re proud to say that amongst our high street competitors, we have the best customer satisfaction*. * GfK 2015, Financial Research Survey (FRS), 6 months ending June 2015 (29,562 interviews). Combined customer satisfaction for current accounts, mortgages and savings. High street defined as Barclays, Halifax, HSBC, Lloyds Bank, Nationwide, NatWest and Santander. Best Customer Service Best Online Service Best Packaged Current Account Check out our guide on how to choose a bank account at nationwide.co.uk/choosingaccount 1

3 Could one of our current accounts be right for you? Would you like an account that comes with a package of extra benefits for a monthly fee? YES FlexPlus includes benefits like Worldwide Family Travel Insurance. See page 5. Would you like to bank online or by telephone and have access to credit interest (conditions apply)? YES You might be interested in our FlexDirect Account, which you can manage online or by telephone. See page 6. Would you like an account that gives you access to free European travel insurance (eligibility criteria apply) and a full range of ways to bank? YES You might be interested in our FlexAccount. See page 7. Are you aged 11 to 17? YES You might be interested in a FlexOne account. Pick up our leaflet Accounts for 0 to 17 Year Olds in branch, or visit nationwide.co.uk/flexone Not eligible for any account above, or experiencing financial difficulty? YES You might be interested in our FlexBasic Account. See page 8. You can also see our range of current accounts online at nationwide.co.uk/current_account 2

4 Our current accounts in detail If you re 18 or over and thinking about opening a current account with us, you can see the details of our accounts over the next few pages. Whichever account you choose, you ll also benefit from: The option to use our Mobile Banking app If you re registered for Internet Banking, our Mobile Banking app gives you more control over your money, wherever you are and whenever you need it. From checking your balance to moving money between Nationwide accounts, managing your money couldn t be easier. To download the FREE app today Text MOBILE to Download the app from your app store (available on both Android TM mobile phones or iphones) Or visit nationwide.co.uk/mobile-register Apple, the Apple logo and iphone are trademarks of Apple Inc., registered in the U.S. and other countries. Our current accounts at a glance What does it come with? Credit interest Travel insurance Breakdown cover, mobile phone cover, extended warranty, identity theft and emergency card assistance Interest or fee-free arranged overdraft offer Arranged overdraft fee-free limits FlexPlus Worldwide Family Cover 3 months fee-free 100 FlexDirect Subject to conditions 12 months fee-free 10 FlexAccount UK & European cover (qualifying conditions apply) 3 months interest-free* 0 FlexBasic No overdraft available For more details of our accounts, see pages 5 to 8. 3

5 If you d like to know more We offer an online guide on choosing a bank account that could help you decide if one of our accounts might be right for you. You can see the guide at nationwide.co.uk/choosingaccount A contactless debit card You can use your card to make contactless payments for transactions up to 30 where accepted. Access to Flexclusives and Simply Rewards As a current account holder with us, you could take advantage of a range of benefits and special offers. Find out more on page 9. Text Alerts We can help you to manage your money more easily with our free text alert service. Simply register for the service and tell us what alerts are important to you and we ll do the rest. Paym With Paym, you can send and receive payments easily and securely using just a mobile phone number. Apple Pay Looking for an easy and secure way to make payments? Available to all Nationwide Visa debit and credit card customers, Apple Pay is compatible with iphone, Apple Watch and ipad. How much does it cost? How do I access my account? Access to offers on other products Monthly fee Arranged overdraft (subject to approval) Commission free withdrawals at ATMs abroad Branch and contact centre Contactless Visa debit card Internet/ mobile/ telephone Minimum age 10 50p daily usage fee 18 No monthly fee 50p daily usage fee Limited access in branch and contact centre 18 Subject to conditions No monthly fee Interest at 18.90% EAR (variable) 18 No monthly fee 18 *To be eligible for the 3 month interest-free overdraft on our FlexAccount, you must use the Current Account Switch Service to switch your existing Direct Debits and standing orders when you open your new account. All insurances have exclusions and limitations. 4

6 FlexPlus Our premium current account Earn interest on your money in credit and get some great benefits including a range of insurance policies for 10 a month. Earn 3% AER (2.96% gross p.a.) variable interest on balances of up to 2,500. Interest paid monthly. Worldwide Family Travel Insurance, including winter sports, golf, wedding and business cover. UK & European Breakdown and Recovery Assistance, with no limit on the number of call outs you can make*. 12 months extended warranty on eligible household electrical goods. Worldwide Family Mobile Phone Insurance. Identity Theft and Worldwide Emergency Card Assistance. Commission-free cash withdrawals at ATMs worldwide. 3 month fee-free arranged overdraft and a 100 fee-free limit after that (subject to status). Nationwide acts as an intermediary for the insurance products provided with FlexPlus. Exclusions and limitations apply to all FlexPlus insurances you can find out more at nationwide.co.uk/flexplus *Vehicles must be serviced and maintained in line with manufacturer guidelines. FlexPlus Representative example If you use an arranged overdraft of 1,200 the amount we will charge you is 50p per day (variable). nationwide.co.uk/flexplus in branch 5

7 FlexDirect Earn 5% credit interest Earn interest on your money and do your banking online or by phone. As long as you pay in at least 1,000 a month (excluding transfers from any Nationwide account held by you or anyone else), you will earn 5% AER (4.89% gross p.a.) fixed interest on balances of up to 2,500 for the first 12 months, and 1% AER / gross p.a. variable after that. Interest paid monthly. 12 months fee-free arranged overdraft (subject to status). No monthly fee. Our free Mobile Banking app helps you manage your money on the go, and you can set up free text alerts too. You must be registered for Internet Banking to use our app. Use telephone banking to check your balance, transfer money and pay bills at home or abroad. For transactions that can t be completed via internet, phone or ATM, our branches or contact centres can help. FlexDirect Representative example If you use an arranged overdraft of 1,200 the amount we will charge you is 50p per day (variable). nationwide.co.uk/flexdirect in branch 6

8 FlexAccount Our everyday current account A full range of ways to manage your money and access to free European travel insurance. No monthly fee Free UK & European travel insurance as long as you pay in at least 750 each month (excluding transfers from any Nationwide account held by you or anyone else) into your FlexAccount or complete an account transfer to us, having used the Current Account Switch Service within the last 3 months. To maintain cover, you need to continue to credit your account with 750 a month. 3 months interest-free on any arranged overdraft if you choose to switch to us when opening your account (subject to status). Bank the way that suits you, in branch, over the telephone, online or on the move with our free mobile app if you re registered for Internet Banking. Travel insurance is underwritten by U K Insurance Limited. To activate your cover, you will need to complete and return a declaration. Your policy will not start until you receive a Certificate of Insurance. After your 75th birthday you will need to purchase an age upgrade if you still wish to be covered. FlexAccount Representative example If you use an arranged overdraft of 1,200 the interest rate we will charge you is 18.9% EAR (variable). nationwide.co.uk/flexaccount in branch 7

9 FlexBasic Our basic current account If you are not eligible for any of our other current accounts, this account may be suitable for you, particularly if you are in financial difficulties. No overdraft or cheque book Day-to-day banking with the ability to set up standing orders and Direct Debits. Bank the way that suits you, via Internet Banking, telephone banking, mobile banking and text alerts. Extra support at yourmoney.nationwideeducation.co.uk to help you choose, open and manage a current account, with topics like Credit Ratings and Budgeting. Regular reviews to check if you could move to one of our other current accounts. nationwide.co.uk/flexbasic in branch 8

10 Whichever account you choose, you could also enjoy Simply Rewards If you have a Visa debit or credit card with us, you could earn cash back with Simply Rewards. There are no points to collect or statements to wait for. Just take your pick from a great range of offers from eating out to travel to shopping. STEP ONE STEP TWO STEP THREE STEP FOUR Access Simply Rewards. Find out more via nationwide.co.uk/simplyrewards and complete the simple registration process to get access to cashback on well known brands. The amount of cashback may vary depending on the offer. View the offers most relevant to you, or search by type or location Spend online or in store e.g. restaurants Realise the benefits! All Simply Rewards offers are subject to terms and conditions. Flexclusives Most of our current accounts offer access to Flexclusives, a range of some of our best products and deals to help you with your wider financial needs. For details of our full range of Flexclusive offers: Ask in branch Visit nationwide.co.uk/ flexclusives To get access to Flexclusive offers you must: 1. Hold a FlexOne account and be aged 18 or over, or hold a FlexAccount and have: been paying in 750+ a month for the last 3 months (excluding transfers from any Nationwide account held by you or anyone else); or completed an account switch to us (from a non-nationwide account) using our Current Account Switch Team in the last 4 months; OR 2. Hold a FlexDirect or FlexPlus account. Qualifying conditions vary by offer. See our latest special rates and products at nationwide.co.uk/flexclusives 9

11 Switch to us in just 7 working days If you d like to switch to a current account with us, we know just how important it is that the move goes smoothly. We can move your Direct Debits and standing orders for you and take care of the whole process, using the Current Account Switch Service. Reassurance when you switch The Current Account Switch Service allows you to switch your current account to us in 7 working days, completing on a day of your choice and backed by the Current Account Switch Guarantee. This guarantees that your old account will be closed and all your payment arrangements (Direct Debits, standing orders and bill payments) will be switched to us in 7 working days, helping to take the hassle out of switching. You can find out more about how to switch to us online at nationwide.co.uk/switching 10

12 Visit nationwide.co.uk/current_account Call Just ask in branch How else can we help? Accounts for 0 to 17 year olds Credit cards Financial planning Insurance Personal loans Managing your money Mortgages Savings When you have finished with this leaflet please recycle it. Nationwide cares about the environment this literature is printed in the UK with biodegradable vegetable inks on paper from well managed sources. We are able to provide this document in Braille, large print or audio format upon request. Your local branch will arrange this for you or you can contact us on If you have hearing or speech difficulties and are a textphone user, you can call us direct in text on We also accept calls via BT TypeTalk. Just dial followed by the full telephone number you wish to ring. Calls may be recorded. As a member of Nationwide Building Society, we want to draw your attention to our Summary Financial Statement. You can search for this at nationwide.co.uk Rates correct as at 07 April 2015 and may be withdrawn without notice. EAR is the Equivalent Annual Rate which you can use to compare rates offered by different providers. It is the cost of an overdraft stated as a yearly rate, taking into account the compounding rate of interest. Any interest charged is added to the balance outstanding. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. The gross rate of interest is the interest rate payable before any income tax is deducted (if you pay tax). You must be living in the UK to apply for one of our current accounts. To apply for an overdraft on an eligible account you must be aged 18 and over - applications are subject to status. Nationwide acts as an intermediary for the insurance products provided with the Nationwide FlexPlus Account. FlexPlus Worldwide Family Travel Insurance is underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England & Wales No FlexPlus UK & European Breakdown and Recovery Assistance is underwritten by Liverpool Victoria Insurance Company Limited. Registered office: County Gates, Bournemouth BH1 2NF. Tel: Registered in England & Wales No FlexPlus Worldwide Mobile Phone Insurance and Extended Warranty Protection has been arranged for Nationwide by Lifestyle Services Group Limited (Financial Services Register No ) with a single provider London General Insurance Company Limited (Financial Services Register No ). London General Insurance Company Limited is registered in England No Registered Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ. Lifestyle Services Group Limited is registered in England, No Registered Office: Osprey House, Ore Close, Lymedale Business Park, Newcastle under Lyme, Staffordshire ST5 9QD. Authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activity only. FlexPlus Identity Theft Assistance and Worldwide Emergency Card Assistance are provided by Lifestyle Services Group Limited. The provision of these services is not regulated by the Financial Conduct Authority. Nationwide FlexAccount UK and European Travel Insurance is subject to eligibility and underwritten on behalf of Nationwide Building Society by U K Insurance Limited. Nationwide subscribes to the Lending Code. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number You can confirm our registration on the FCA s website, or by contacting the FCA on All firms are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority unless otherwise stated. Nationwide Building Society. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire SN38 1NW. X100 (03 December 2015)

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