Nationwide Current Accounts

Nationwide offer a range of popular current accounts in the UK. You can compare up-to-date information regarding interest rates, overdraft fees and monthly fees for these products in the table below. Please click on the links provided for more information on each account or to apply online.

Compare Nationwide Current Accounts

    • No monthly fee
    • 3 month interest-free arranged overdraft available
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 0% for the first 3 months (conditions apply)
    • 18.9% EAR (variable) thereafter
    • Unrranged overdraft fees: 18.9% EAR (variable)
    • For every payment that is NOT made over and above your reserve limit, you'll be charged an unpaid transaction fee of £15
    • The total sum of fees (including any paid/unpaid transaction fees) is capped at £75 per statement month
  • Representative Example: If you use an overdraft limit of £1,200 a 18.9% EAR (variable) charge will apply
    • 3% on balances up to £2,500
    • 3 month fee-free overdraft
    • Includes worldwide travel insurance, mobile phone insurance, breakdown cover and extended warranty
  • Maximum Interest (AER)
    3%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £10
  • More info + In detail
  • Interest details
    • 3% on balances up to £2,500
    • No interest on balances over £2,500
    Overdraft details
    • Arranged overdraft fees: 0% for the first 3 months
    • 50p per day on balances over £100 thereafter (the first £100 of your arranged overdraft is free)
    • Unarranged overdraft fees: 50p per day on balances up to £10
    • £5 per day on balances over £10 and are capped at £50 per month
    • First time fee refund - Nationwide will refund the first overdraft fees you incur
  • Representative Example: If you use an arranged overdraft of £1,200 the amount Nationwide will charge you is 50p per day (variable).

Other current accounts

    • Earn 3% Rewards on selected household bills
    • Includes NatWest's mobile app & Emergency Cash
    • Top 20% of NatWest Reward customers earn, on average, £217 in Rewards per year. Based on their average Dec '15/Jan'16 Direct Debit amounts. Excludes monthly £3 fee
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £3
  • More info + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees:19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged overdraft fees:If you enter an Unarranged Overdraft by more than £10, you will be charged an Unarranged Overdraft Usage Fee of £6 for each day you remain in that position, capped at £90 per charging period.
  • Representative Example: If you have a Reward Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £6
    • 3% AER on balances up to £1,500
    • To earn 3% AER you must credit your account with £500 each month, register for internet banking, paperless statements and paperless correspondence
  • Maximum Interest (AER)
    3%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    Free
  • More info + In detail
  • Interest details
    • 3% AER / 2.96% gross variable interest paid on balances up to £1,500 only. Must pay in £500 a month, register for internet banking and paperless statements and paperless correspondence.
    • Plus 5% Cashback on your first £100 Contactless payments every month. Contactless Subject to eligibility. End Sept 2017. (T&Cs apply). Borrower must be 18+ and a UK resident.
    • Plus, if you also use an eligible TSB credit card, you can earn up to £60 cashback in a year on that too. Representative 18.9% APR (variable). Subject to status. Must be 18+ & UK Resident. End Sept 2017.
    Overdraft details
    • £10 interest-free overdraft buffer
    • If you go overdrawn by more than £10, TSB's Grace Period means that you have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day
    • 0% interest on planned overdraft up to £25
    • 19.84% AER variable and a Monthly Overdraft Usage Fee of £6 apply to amounts of £25 to £1,200
  • Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 0% EAR variable on the first £25 and 19.84% EAR variable on the next £1,175 plus a Monthly Overdraft Usage Fee of £6.
    • Linked to exclusive Savings Account Plus, an instant access account
    • Competitive planned overdraft rate, with no arrangement fee
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 18.85% EAR (variable) and a monthly £6 fee if you end any business day overdrawn by more than the £25.00 planned borrowing buffer amount (unless that position was created by us adding fees or interest)
    • Unarranged overdraft fees: A £6 daily fee for each business day that you end in unplanned borrowing by more than the £10.00 Unplanned Borrowing Buffer Amount (unless that position was created by us adding fees or interest).
  • Representative Example: If you use an overdraft limit of £1,200 a 18.85% EAR (variable) charge will apply