Nationwide FlexDirect Cashback Offers


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Terms & Conditions and other useful information
  • What will stop me getting cashback?
    • Using a promotional/voucher code not posted and approved by TopCashback.
  • Good to know
    • Nationwide FlexDirect cashback can be earned simply by clicking through to the merchant and shopping as normal.
    • Nationwide FlexDirect Cashback is available through TopCashback on genuine, tracked transactions completed immediately and wholly online.
    • If you are logged in to your account, the rates above include a bonus relevant to your membership level; typically 5% for Plus members and 1% for classic. If you are logged out of your account, the rates shown will be the Plus member rates. Please login to ensure you see the relevant rates to your membership level.
    • Cashback rates are subject to change both up and down.
    • From time to time information displayed here may be out of date. Please see TopCashback's full Terms and Conditions page for further information.
    • Recurrences on the amount of purchases that can be made while earning cashback may be limited.
    • This merchant calculates cashback excluding VAT, delivery and any other charges.
    • Transactions for this merchant should appear as pending within 24 hours. They will remain at this status until the retailer confirms that we're eligible for cashback. Once this happens your purchase will reach the confirmed stage of your account. When the merchant then pays us the cashback we can make this payable in your account.
    • Transactions will initially track at ยฃ0.00 and uplift on validation.
  • What to do when
    • Some merchants may not be forthcoming with untracked cashback. We endeavour to chase untracked cashback but reserve the right to halt enquiries at any time. Please do not make purchase decisions based upon expected cashback as it is not guaranteed.
    • The vast majority of transactions from merchants track successfully, occasionally a transaction may not get reported. If you believe this to be the case, please submit a "Missing Cashback" query within 30 days of the transaction, we will be unable to chase up claims older than this.
Please note the terms & conditions above are in addition to our general terms & conditions


About Nationwide FlexDirect

The FlexDirect account could be right for you if you're after an account that could pay you interest when you have money in your account and you prefer to do your banking online or over the phone.

Cashback will only be paid to customers who are accepted for a FlexDirect account and who have completed a full switch online to Nationwide from a non-Nationwide current account using the Current Account Switch Service.

Account benefits:

  • Access to 5% AER (4.89% gross p.a) interest on in-credit balances of up to £2,500 (fixed for the first 12 months). You must pay in £1,000 per month (excluding transfers from any Nationwide account held by you or anyone else) to earn interest.*
  • No fees on arranged overdraft for 12 months available**
  • No monthly fee
  • Access to exclusive products

FlexDirect Overdraft Representative Example:

  •  If you use an arranged overdraft of £1,200 the amount Nationwide will charge you is 50p per day (variable)

*After 12 months the interest rate reverts to 1% gross pa./AER (variable) on balances up to £2,500. You must continue to pay in £1,000 per month (excluding transfers from any Nationwide account held by you or anyone else) to earn interest. Interest paid monthly. Advertised rates correct at 1 January 2016 and these rates can be changed at any time. Age 18+.

**Overdrafts are only open to those aged 18 or over (UK residents only) and are subject to approval. When you apply for an account, Nationwide will inform you if they can offer you an arranged overdraft.

You must be aged 18 or over to apply for FlexDirect (UK residents only). AER stands for 'annual equivalent rate' and illustrates what the interest rate would be if interest were paid and compounded each year. Gross p.a is the interest rate without tax deducted.

Under the terms and conditions of this account, customers are only guaranteed the 5% AER promotional credit interest rate on one FlexDirect account. Any additional FlexDirect accounts held or more than one joint account held by you and another customer will result in the credit interest rate being reduced from 5% (4.89% gross p.a) to 1% gross p.a/AER (variable) within 7 working days of the account being opened.

Nationwide subscribes to the Lending Code. For more information on the Lending Code please visit


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