Current
Accounts
Important information
This leaflet has been designed to give you the information you need when opening a current account
with Nationwide. It is important that you read this information before you open your account and keep
a copy for your reference.
Contents
General information Credit scoring page 2
page 2
If you have a disability page 2
If you’re applying for a joint account page 2
Cancelling a payment that you’ve set up using your card number
page 2
If you’re applying for a FlexPlus account page 3
If you’re applying for a FlexAccount page 4
If you’re applying for a FlexDirect account
page 5
Terms and conditions
page 6
FlexDirect conditions
page 18
FlexPlus conditions
page 19
Declaration (including how we use your information)
page 21
Charitable Assignment page 23
Setting up payments to and from your account page 24
Further information
The declaration section provides a summary of how we use your information but for further detail you
can ask us for a copy of the leaflet ‘How Nationwide uses your personal information’ at any time.
1
General information
Credit scoring:
If we carry out a search about you at a credit reference agency, the agency will record details of this search and make
its existence known to other organisations to which you may apply for credit. You should be aware, however, that the
presence of several credit searches on your record with a credit reference agency may affect your ability to obtain
credit elsewhere for a short period of time.
If you have a disability:
Please see nationwide.co.uk/about_nationwide/accessibility if you would like to know more about how we can help
you get the most from Nationwide products and services.
If you’re applying for a joint account:
Please remember that while many couples find joint accounts useful and convenient, there are some things you need
to be aware of:
• all funds in the account belong jointly to the account holders so each of you is entitled to withdraw all of the
money in the account, even if your relationship breaks down (including divorce and separation) - this means
that any one of you may withdraw all the money in the account unless you tell us to freeze or stop the account to
prevent this from happening
• if a joint account holder dies, the other account holder is entitled to all of the money in the account and the
account will stay open in their name
• unless the law says differently, we will not be concerned about how you divide the money in the account
• if you open a joint account, all the holders are our members - however, only the first named account holder has
the right to vote on Nationwide matters
• if you have an account in joint names you will have joint and several liabilities for the account - this means
that if the account is not managed properly, we can pursue both or either of the joint account holders for any
outstanding balance.
Cancelling a payment that you’ve set up using your card number:
You can contact us to cancel a payment that you have set up using your debit card (such as a magazine subscription
or breakdown cover). You can do this at any time before the end of the working day before the payment is due to be
made. We recommend that you also inform the organisation you are paying that you have cancelled the payment.
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FlexPlus
If you’re applying for a FlexPlus account
• You must be 18 or over.
• Whether we open a FlexPlus account and provide a cheque book, Visa debit card or overdraft
depends on our assessment of your finances.
• You can ask us for written quotations for credit facilities.
Three month fee-free overdraft offer
1) This offer is for a three month daily usage fee-free overdraft and will depend on our normal lending
conditions.
2) It is only available if you are 18 or over and opening a Nationwide FlexPlus current account.
3) The daily usage fee-free overdraft period is for three months starting on the date you open a current
account with us.
4) After the three month daily usage fee-free period our standard overdraft usage fees will apply.
5) You may have to pay fees if you go over your arranged overdraft limit.
See nationwide.co.uk/current_account/rates or our leaflet ‘Current account interest rates and
charges’ for more information.
6) Nationwide reserves the right to withdraw this offer at any time. This will not affect customers who
are already benefiting from the offer at this time.
7) Any daily usage fees or charges you pay as a result of a failure in the switching process will be
refunded to you.
FlexPlus Representative Example:
If you use an arranged overdraft of £1,200 the amount we will charge you is
50p per day (variable).
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FlexAccount
If you’re applying for a FlexAccount
• You must be 18 or over.
• Whether we open a FlexAccount and provide a Visa debit card or cheque book depends on our
assessment of your finances.
• You can ask us for written quotations for credit facilities.
Three month interest-free overdraft offer
When you open a FlexAccount and switch your existing current account to us, we may be able to offer
you a three month interest-free overdraft.
1) This offer is for a three month interest-free overdraft and will depend on our normal lending
conditions. It is only available if you are 18 or over and are switching an existing current account at
the time of opening a Nationwide current account.
2) Switching an existing current account is when you ask us to arrange to switch your Direct Debits
and standing orders from an account with another bank or building society to a Nationwide current
account using our Current Account Switch Team.
3) The interest-free overdraft period is for three months starting on the date you open a current
account with us.
4) If you switch your Direct Debits or standing orders yourself or do not have any Direct Debits or
standing orders to transfer to your new Nationwide current account, you will not qualify for this offer.
5) After the three month interest-free period our standard overdraft interest rate will apply to all
overdrafts. You may have to pay fees if you go over your arranged overdraft limit.
See nationwide.co.uk/current_account/rates or our leaflet ‘Current account interest rates and
charges’ for more information.
6) Any daily usage fees or charges you pay as a result of a failure in the switching process will be
refunded to you.
FlexAccount Representative Example:
If you use an arranged overdraft of £1,200 the interest rate we will charge you is
18.9% EAR (variable).
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.
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FlexDirect
If you’re applying for a FlexDirect account
• You must be 18 or over.
• Whether we open a FlexDirect account and provide a cheque book, Visa debit card or overdraft
depends on our assessment of your finances.
• You can ask us for written quotations for credit facilities.
12 month fee-free overdraft offer
1) This offer is for a 12 month daily usage fee-free overdraft and will depend on our normal lending
conditions.
2) It is only available if you are 18 or over and opening a Nationwide FlexDirect current account.
3) The daily usage fee-free overdraft period is for 12 months starting on the date you open a current
account with us.
4) After the 12 month daily usage fee-free period our standard overdraft usage fees will apply.
5) You may have to pay fees if you go over your arranged overdraft limit.
See nationwide.co.uk/current_account/rates or our leaflet ‘Current account interest rates and
charges’ for more information.
6) Nationwide reserves the right to withdraw this offer at any time. This will not affect customers who
are already benefiting from the offer at this time.
7) Any daily usage fees or charges you pay as a result of a failure in the switching process will be
refunded to you.
FlexDirect Representative Example:
If you use an arranged overdraft of £1,200 the amount we will charge you is 50p per day
(variable).
5
Terms and conditions
Nationwide current account agreement
In this current account agreement section of this leaflet, “Nationwide” has the definition shown below.
We strongly advise you to read all the terms of this agreement as you will be legally bound by them whether or not
you choose to read them.
Meaning of words and expressions
In these terms the following words and expressions have the following meanings:
“account” means your Nationwide current account which is either in your own name or held jointly with somebody
else;
“card” means the card we issue on your account;
“EEA” means European Economic Area and the list of countries can be found on our website;
“month” means calendar month;
“Nationwide/our/us/we” means Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon,
Wiltshire, SN38 1NW;
“PIN” means the personal identification number to be used with the card;
“SEPA Credit Transfer” is a way of making payments in euros to an account within the Single Euro Payments
Area.
“SWIFT” is a way of making sterling payments overseas or foreign currency payments.
“website” means our website at nationwide.co.uk;
“working day” means Monday to Friday, excluding Saturday, Sunday and Bank Holidays;
“you/your” means the account holder(s).
This agreement is in two parts; where we are required to give you advance notice of changes for Part I it will be not less
than 30 days’ notice and for Part II it will be not less than two months’ notice.
Part I
Account holding and ownership
1. Your account is a share of Nationwide Building Society. It will give membership rights to the account holder(s). We
will ensure your membership will continue if you are overdrawn up to an arranged overdraft limit. Your membership
may be withdrawn if you overdraw without agreement or exceed an arranged overdraft. By opening an account you
agree to be bound by both our Rules and these terms. A copy of the Rules is available from any of our branches or on
our website.
2. You must be 18 or over to apply for overdrafts and other credit facilities.
3. For joint accounts you are both responsible for the account. For both arranged and unarranged overdrafts we can
seek repayment from either account holder regardless of who made the transactions creating the debt.
4. On the death of an account holder (other than a nominee or trustee) the balance in the account together with
interest and any bonus will be paid to their personal representatives without notice or loss of interest. On the death
of a joint account holder, the account will belong to the survivor.
5. The accounts can only be opened by individuals and must not be used for business purposes.
6. As a joint account holder these terms apply to you individually and jointly with the other account holder(s).
7. We may register information about you and the conduct of your account with one or more licensed credit reference
agencies. This registered information is only used to make lending decisions, prevent fraud and to trace debtors.
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8. Your account can be operated using a valid UK Power of Attorney or Court of Protection Order or Curator Bonis
(Scotland). Your account facilities will be limited in these circumstances.
Changes to Part I of this agreement
9. We may make changes to the terms in Part I of this agreement. If the change is to your benefit, we may make it
immediately and inform you as set out in the “Communication” section of this agreement. If the change is to your
disadvantage, we will tell you about it personally not less than 30 days in advance to allow you to close or switch
the account without charge.
Deposits, withdrawals and interest (excluding cheques)
10. Cash and automated credits deposited into the account will be available for withdrawal immediately and interest
will be earned from the date of deposit. There may be a delay of one working day if deposits are made at a
Nationwide cash machine. We will credit your account with the amount which has been verified and accepted by
us when we check the deposit.
11. (a)We will pay interest on your credit balances at the rate(s) we set. We may pay different rates of interest to
members who pay set minimum amount(s) into their account each month (excluding credits from another
Nationwide account). All interest rates are available from any of our branches or on our website.
(b) Interest is paid without tax deducted.
12. We will debit your account with:
(a) all payments authorised by you;
(b) withdrawals using your card;
(c) cheques paid into the account that are later returned unpaid;
(d) any funds that have been paid to your account in error and to which you are not entitled;
(e) any charges and/or overdraft interest that you have to pay in accordance with the scale applicable at the time
you incur the charge. You can ask us for the latest scale of charges at any time and they are available on our
website or in branches;
(f) the amount of any SEPA Credit Transfers paid into your account which are recalled within 10 working days by
the payer.
13. When you use a cash machine the machine provider may make charges over which we have no control.
14. Your entire balance may not be available for withdrawal in circumstances where:
(a) there are uncleared funds in your account;
(b) there are payments which are pending on your account;
(c) it would be unlawful for us to allow the withdrawal.
15. Limits apply to:
(a) the amount you can withdraw at a cash machine or Nationwide branch counter;
(b) the amount you can withdraw from your account each day.
For details of these limits see our website or contact your branch. We may make changes to these limits and
unless there are exceptional circumstances we will notify you of these changes before they are made. An example
of exceptional circumstances would include us taking action to prevent or reduce the risk of loss from fraudulent
activity for the benefit of our members as a whole.
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Cheques
16. Banking of cheques for payment will at all times be subject to the rules, and clearing processes, of any cheque
clearing system(s) used by us. The central clearing cycle is normally five working days.
There are three elements in the cheque clearing cycle:
(a) clearing for interest (when we start paying interest from on any cheque you deposit with us);
(b) clearing for withdrawal (when we will allow you to withdraw against any cheque you deposit with us);
(c) clearing for certainty (when you can be certain that we will not debit any cheque you deposit with us which
is returned unpaid without your permission (unless you are a knowing party to fraud)).
The date of the cheque clearing cycle elements is detailed below:
Cheques deposited into
all Nationwide current
accounts
Interest paid from:
Withdrawals allowed from:
Certainty from:
The day of deposit*
The start of the fourth
working day following the
day of deposit.
The end of the sixth
working day following the
day of deposit.
*includes Saturday, Sunday & Bank
Holidays if paid in at a branch or a
Fast Cash Machine
For withdrawals and certainty, If a cheque is paid into the account on a Saturday, Sunday or a Bank Holiday then
the day of deposit will be the next working day. Certainty applies from the end of the sixth working day (11.59pm)
following the day of deposit. Although the Society will allow you to withdraw against cheques as shown above, this
does not mean that the cheque has cleared for certainty. Cheques can be returned unpaid before certainty and if so,
will be debited from your account.
17. If you wish to stop a cheque you must contact us immediately.
18. Cheques are valid for six months from the date of the cheque.
19. Cheques must only be written in sterling and should not be post dated.
Overdrafts
20. If you ask us for an overdraft (known as an arranged overdraft) or to increase an arranged overdraft, we may carry
out searches with licensed credit reference agencies before deciding to grant you one.
21. If this is a joint account, either of you can request an arranged overdraft or request a change to an arranged
overdraft. If you request an arranged overdraft or a change to an arranged overdraft to be put in place with
immediate effect or over the telephone, you agree that we can give all the information we are required to disclose to
just one of you.
22. Any overdraft that we give you can be immediately reduced or withdrawn by us and all overdrafts are repayable
on demand. We will aim to give you not less than 14 days’ notice before reducing or withdrawing your overdraft or
demanding repayment.
23. Overdraft interest will be charged at our current rates which can be found in our rates and charges information on
our website or is available from your branch. The overdraft interest rates are also set out in your overdraft agreement,
where provided. The overdraft interest rate may be varied from time to time. Where a change is to your benefit, we
may do so immediately. If the change is to your disadvantage, we will give you not less than seven days’ advance
notice. In both cases we will inform you as set out in the “Communication” section of this agreement. Overdraft
interest will be calculated on a daily basis on the overdrawn balance outstanding and debited from your account
monthly. Any overdraft interest debited will be added to the overdrawn balance outstanding. Individual transactions
become part of your overdrawn balance on the day they are added to your account.
24. Where repayment of any overdraft has been demanded, if full settlement is not made within 28 days from the date
we issue a Notice of Formal Demand, we reserve the right to register the account as “defaulting” with one or more
licensed credit reference agencies.
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25. Where we seek County Court intervention to recover overdrafts, interest will continue to be charged at our current
rate up to and including the date of judgment. Following judgment the debt may continue to attract interest at a rate
set by the Court.
26. If any money you owe Nationwide (for example on a loan, credit card, mortgage, overdraft or otherwise) is overdue
for payment, we may use any money you have in any of your accounts with Nationwide to reduce or repay what you
owe, by way of set-off. Nationwide can use this right of set-off against accounts which are in your sole name as well
as joint accounts you hold with Nationwide. We will tell you not less than 14 days before we exercise this right of
set-off. For the purposes of this condition only, ‘Nationwide’ means Nationwide Building Society and its subsidiaries
which include The Mortgage Works (UK) plc and UCB Home Loans Ltd.
Unarranged Overdrafts
27. If you do not have enough money in your account, or enough unused arranged overdraft, to cover the payments
that are being made that day (such as Direct Debits, standing orders or cash or cheque withdrawals) we will decide
whether or not to make the payment. Your payment instruction will be treated as a request for an unarranged
overdraft. If we agree to this request for an unarranged overdraft and make the payment we will charge you a
Paid Transaction Fee in addition to interest on the overdraft. If we do not agree to this request for an unarranged
overdraft, we will not pay the transaction and you will be charged an Unpaid Transaction Fee. Information about how
we will assess whether or not we will pay a transaction and the current Paid Transaction Fee and Unpaid Transaction
Fee are detailed in our overdraft information on our website or are available from your branch.
28. You can ask us not to agree to make a payment that creates an unarranged overdraft or increases an existing
unarranged overdraft. If you do this, we will decline such payments and you will be charged Unpaid Transaction Fees
for payments that are declined.
29. We shall not take into account any money you have in other accounts with us when we decide whether or not to
make a payment.
30. If we agree to make a payment from your account that creates an unarranged overdraft it does not mean that we will
do it again.
Credit checks
31. An “association” between the joint applicants and/or any individual identified as your financial partner, will be
created at credit reference agencies, which will link your financial records. This association, and any others that
either of you may have, will be taken into account in all future applications by either or both of you. This linking will
continue until one of you successfully files a “disassociation” at the credit reference agencies.
32. We may make periodic searches within Nationwide, at credit reference agencies and fraud prevention agencies to
manage your account with us, to take decisions regarding credit, including whether to make available or to continue
or extend existing credit. The searches will not be seen or used by lenders to assess your ability to obtain credit.
Part II
Payment services
33. The following are examples of the main payment services you can carry out on your account:
(a) pay in and withdraw money;
(b) set up regular payments such as standing orders and Direct Debits;
(c) transfer money between certain Nationwide accounts;
(d) make electronic payments such as CHAPS and overseas electronic payments;
(e) if you have a card with debit facilities, you can use it to pay for goods and services e.g. in shops, online and
over the phone.
9
Making payments
34. (a) B
efore we can act on your instructions to make payments or withdrawals, we will require your consent and
may require proof of identification. How we obtain your consent may include the use of passwords, cards, card
readers, PINs or encryption devices and card verification.
(b) When making payments, the following information is required from you about the company or person you
are paying:
or automated payments as detailed in the table below, and CHAPs payments, you must give us:
• the sort code;
• account number; and
• if applicable, reference.
In addition, for CHAPs payments you must give us the recipient’s bank name and address.
For overseas electronic payments and payments in a foreign currency, you must give us:
• the details of the recipient’s bank, including their Bank Identifier Code (BIC) or national bank code.
However, if your payment is being sent in euros via the SEPA Credit Transfer scheme, you do not
need to provide these details.
• depending on the destination country, the recipient’s bank account number or IBAN (International Bank
Account Number);
• additional information may be required for some international payments and;
• any reference.
35. If you make payments from your account to an account for another person or organisation and they move their
account to another provider, your payment mandate may be updated and future payments you make to them may
be paid to the person or organisation’s new account.
36. The following table details when payments can be made, when they are received and how they can be cancelled.
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Payment Type
When we can accept your payment
instructions
When payments
normally arrive
at the recipient’s
bank
How to cancel your instruction
AUTOMATED PAYMENTS
You cannot normally cancel a
payment after we have accepted
your instruction.
Internal transfers
to Nationwide
accounts
At any time using the Internet Bank and
Telephone Banking.
During opening hours at a branch.
Future dated
internal transfers
to Nationwide
accounts
At any time using Internet Banking or
Telephone Banking.
We must receive your payment instruction
by 10pm on the working day before you
want the payment to be sent. If we don’t,
your payment will be sent on the next
working day.
Immediate
Bill Payments
At any time using Internet Banking,
Telephone Banking, an ATM or during
opening hours at a branch.
Future dated
Bill Payments
At any time using Internet Banking or
Telephone Banking.
We need to receive your payment
instruction by 10pm on the working day
before you want the payment to be sent. If
we don’t, your payment will be sent on the
next working day.
Payment normally
arrives within one
working day.
You can cancel the payment
up to 10pm on the working
day before it is due to leave your
account.
Standing Orders
At any time using Internet Banking or
during opening hours at a branch. We
need to receive your payment instruction
by 8:30pm on the working day before you
want the payment to be sent. If we don’t,
your payment will be sent on the next
working day.
Payment normally
arrives within one
working day.
You can cancel the payment up to
8:30pm on the working day before
it is due to leave your account.
Direct Debits
To set up a Direct Debit you must complete
an instruction form with the organisation
you are paying. Payments are made on
working days only. Payments due to be
made on a weekend or bank holiday will be
sent on the next working day.
On the date you
have agreed with the
organisation you are
paying.
You can cancel the payment up
to 6:00pm on the working day or
Saturday before it is due to leave
your account. For Direct Debits, you
must also contact the company or
person you are paying should you
wish to cancel the payment.
Immediately.
You can cancel the payment
up to 10pm on the working
day before it is due to leave your
account.
You cannot normally cancel a
payment after we have accepted
your instruction.
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Payment Type
When we can accept your payment
instructions
When payments
normally arrive
at the recipient’s
bank
How to cancel your instruction
Payment normally
arrives on the same
working day.
You cannot normally cancel a
payment after we have accepted
your instruction.
Payment normally
arrives within one
working day for EEA
countries. Other
countries may take
longer.
You cannot normally cancel a
payment after we have accepted
your instruction.
Payment arrives
within one working
day. However, if
we receive your
payment instruction
before 11.30am on
a working day your
payment will arrive
that day.
You can only request us to cancel a
payment if you’ve made duplicate
payments by mistake or someone
else has fraudulently made the
payment from your account. In that
case you can request us to cancel
the payment within 10 working
days of the payment date, although
there is no guarantee that the
beneficiary bank will return the
payment.
Payment will be
deducted from your
account on the
day we receive the
request from the
retailer’s bank and
they will receive it
within three working
days.
You cannot stop a card payment,
but a retailer or supplier may make
a refund.
CHAPS & OVERSEAS ELECTRONIC PAYMENTS
CHAPS - sterling
payments within
the UK
At any time using Internet Banking, during
opening hours at a branch or, on an
exceptional basis, by telephone.
For same day payments we must receive
your instruction by 3.00pm on a working
day. Payments are made on working
days only. Payments due to be made on a
weekend or bank holiday will be sent on the
next working day.
Electronic
payments made
overseas or in a
foreign currency
via SWIFT
At any time using Internet Banking, during
opening hours at a branch or, on an
exceptional basis, by telephone.
Payments in euros
to an account in
the SEPA Region
via SEPA Credit
Transfer
At any time using Internet Banking, during
opening hours at a branch or, on an
exceptional basis, by telephone.
For same day payments we must receive
your instruction by 1.00pm on a working
day. Payments are made on working
days only. Payments due to be made on a
weekend or bank holiday will be sent on the
next working day.
Payments are made on working days only.
Payments due to be made on a weekend
or bank holiday will be sent on the next
working day.
CARDS WITH DEBIT FACILITIES
Purchases
You can use your card to pay for goods and
services at any time.
If you wish to cancel a regular
payment that you have set up using
your card details you can contact
us by 4:00pm on the working day
before the payment is due to leave
your account.
We recommend that you also
contact the person or organisation
you are paying to cancel the
payment.
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37. Limits may apply to the amount that may be paid by the methods detailed in the above table. For details of
these limits please see our website or contact your branch. We may make changes to these limits and unless
there are exceptional circumstances we will notify you of these changes before they are made. An example of
exceptional circumstances would include us taking action to prevent or reduce the risk of loss from fraudulent
activity for the benefit of our members as a whole.
38. To meet our legal and regulatory obligations, we may carry out checks before we make payments with
a view to preventing financial crime. Occasionally this may lead to your payment being delayed. In some
circumstances we may not be able to make the payment, we will always tell you if this is the case unless it
would be unlawful to do so. We will not be responsible for any loss that results from this.
39. You remain liable to make a payment even if we cannot debit your account due to it being closed; machine,
data processing or transmission link failure; industrial dispute; or any other factors outside of our, our agents’
or subcontractors’ control.
40. If we change your card number and/or expiry date and you have used your card number to set up regular
payments on your account, you will need to notify the organisations concerned.
41. Payments (Direct Debits, cheques, standing orders or bill payments) from your account will only be made
if there are enough cleared funds available in your account. Different payments require cleared funds to be
in your account at different times. Details of when you will need cleared funds in your account to meet a
particular payment are available on our website or from your branch.
42. Direct Debits on your account may become dormant if they are not claimed for a period of time. Dormancy
periods vary and are set by the organisation you are paying by Direct Debit. If the Direct Debit has not been
claimed for the dormancy period, normally 13 months, we may remove the Direct Debit record from your
account unless the company or person you are paying has requested otherwise.
43. Payments into and out of the account can only be made in sterling.
Payments in a foreign currency
44. (a) If you carry out a transaction using your card in a currency other than sterling, it will be converted into sterling on the day the transaction is processed by our card scheme provider at their rate of exchange, which may vary daily.
(b) Any charges incurred by us on your behalf from our card scheme provider or other body or institution may be passed on to you.
Details of these charges and how they will be applied are available on our website or from your branch.
(c) For any other payments in a currency other than sterling, the exchange rate we use to convert the payment to that other currency will be our standard outbound exchange rate for that currency. Our standard outbound exchange rate may vary depending on payment type. These are variable rates that change frequently. We will usually provide details of the actual exchange rate when you ask us to make a payment.
(d) If you ask us to make a payment that is in a different currency to the recipient’s account, we cannot control the exchange rate applied by the recipient’s bank.
(e) If we receive payments in a foreign currency we will use our standard inbound exchange rate to convert that payment into sterling.
Our standard inbound exchange rate may vary depending on payment type.
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Security
45.(a) T he care of your cheque book, cards, PINs, statements and other security information is essential to help
prevent fraud and protect your accounts. Please make sure that you follow the steps given below:
Cards, PINs & security information
(i) always take reasonable steps to keep your card safe;
(ii) keep your PIN, password and other security information secret at all times. PIN notifications should be
destroyed promptly on receipt;
(iii) do not tell anyone your PIN not even our staff or the police;
(iv) if you have difficulty remembering your PIN, you can change it to one you find easier to remember at any of
our cash machines.
(v) If you register your debit card details in an e-wallet or on a device such as a mobile phone, you must take
reasonable precautions to keep them, and any security information which relates to them e.g. your phone
passcode or fingerprint stored in your phone, safe and to prevent fraudulent use of them. You should not
store anyone else’s fingerprint in your device if that fingerprint can be used to authorise a payment or
access your debit card details. If you do, we will treat this as you deliberately failing to keep your card or
security details safe.
General
(i) if you fail to receive a statement or any other expected financial information, contact us immediately;
(ii) you should check statements regularly and alert us to any irregularities;
(iii) take reasonable steps to keep your cheque book safe and do not keep your cheque book and cards
together;
(iv) where you use the Internet Bank, you need to ensure that your computer is set up correctly and has the
right hardware, operating system and browser.
(b) For your added security and to reduce the risk of card fraud, you may be invited to register for our card
provider’s security scheme(s) when you use your card to make purchases over the internet at participating
organisations. If you do not register, you may not be able to make purchases from participating organisations
via the internet until you have successfully registered.
(c) Any cash machine may retain your card following the repeated keying of the wrong PIN or a technical failure.
We accept no liability for any loss if your card is retained or you experience a technical failure.
(d) You must tell us straightaway if you change your name, address, telephone number or email address (if we
communicate with you in this way).
46. You must tell us as soon as possible, by contacting your branch (during opening hours) or call us on
0800 30 20 11 (24 hours) in the UK or +44 1793 65 67 89 from outside the UK, if:
(a) your card or cheque book is lost or stolen;
(b) someone else knows your PIN;
(c) you think someone else may be using your card, cheque book or PIN without your permission.
47. If cards reported lost or stolen are later found or returned you should destroy them.
Stopping transactions on your account
48. All cards issued by us remain our property and must be returned on demand. We can suspend or cancel your right
to use cards and PIN(s) at any time without notice:
(i) Where we are concerned about their security,
(ii) If we believe that it is necessary for your and/ or our protection, for example where we suspect the card is
being used for fraudulent purposes or in an unauthorised way,
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(iii) Where there is a significantly increased risk you may be unable to repay any money you owe us, or
(iv) Where any e-wallet service you may have registered your card in is no longer available to our customers.
If we are unable to inform you before we do this, we will inform you immediately after unless this would
compromise our reasonable security measures or would be unlawful.
49. You cannot use your card for illegal purposes. If you do then we may restrict, suspend or cancel the use of your card
immediately.
50. (a) W
e may refuse to carry out any transaction on your account that you might request if:
(i) we reasonably believe that you did not give us the instruction;
(ii) we reasonably suspect fraudulent activity;
(iii) your instructions are unclear, incomplete or the recipient’s details are incorrect (as set out in the “Making
Payments” section above);
(iv) it might cause us to act contrary to a law, regulation, code or other duty which applies to us;
(v) it would cause you to exceed any limit or restriction which applies to your account (such as a daily cash
withdrawal limit from cash machines). When deciding if you will exceed any limits or restrictions we will
calculate the available funds in your account and may consider:
• any outstanding card transactions;
• any authorisation given for a future card transaction;
• any funds that we reasonably believe to have been credited or debited to or from your account.
(b) Where we have refused to carry out your transactions that occurred within the EEA, we will notify you by the
end of the next working day by showing the refused transaction as a credit and debit of the same amount on
the same day on your statement, which will be made available to you through the Internet Bank, Telephone
Banking and our cash machines. We will not notify you if we believe that doing so would compromise
security or would otherwise be unlawful.
(c) Information about the refusal and, if possible, our reasons for the refusal along with information on how to
correct any factual errors that led to the refusal can be obtained by calling us.
Unauthorised payments
51. (a) T o dispute a transaction that you do not recognise, or you do not believe that you carried out, and to claim a
refund you will need to contact us as soon as possible but no later than 13 months from the date the transaction
was debited from your account. To notify us of a disputed transaction you should report it to your branch
(during opening hours) or call us on 0800 30 20 11 (24 hours) or +44 1793 65 67 89 from outside the UK.
(b) To dispute a transaction where the exact amount was not specified and you are disputing the amount taken
from your account, you may be entitled to a refund if the transaction occurred within the EEA. An example
of this type of transaction is when you use your card to authorise the reservation of a hotel room. For us to
consider a refund you must contact us within eight weeks from the date the funds were taken from your
account and provide us with as much information as we require to investigate your claim for a refund. We
will not refund you if:
(i) you agreed to the amount being taken;
(ii) the amount that would be taken was provided or made available to you not less than four weeks before it
was debited from your account;
(iii) the amount you are disputing has arisen because of the fluctuation in the exchange rate, or charges passed
on by us from our card scheme provider.
52. If we have to take action against another party as a result of a transaction on your account, you must assist us and
provide all available information to enable us to pursue this action.
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Liability for losses
53.(a) If we are liable for any losses due to a delay or error by us in carrying out your instructions to make or stop a
payment, or for unauthorised payments our liability will be limited to:
(i) the amount of such payment; and
(ii) the amount of any interest you do not receive or any interest and charges you have to pay directly as a result
of such delay or error.
Where you are entitled to a refund we will refund the above amount immediately.
(b) We shall not be liable in any way if your card is not honoured by a third party.
(c) Unless you have, with gross negligence or intentionally, failed to take any of the steps listed in the ‘Security’
section of this agreement that relate to the security of your card and/or PIN your maximum liability for
unauthorised transactions that occur before you report the items lost or stolen is £50. You may be liable for
all losses incurred if you have acted fraudulently.
(d) In spite of what we have said above, you won’t be liable (unless you have been fraudulent) for:
• Unauthorised payments where your card has been used in connection with a distance contract e.g. a
payment made via the Internet or telephone, or we didn’t provide you with a means to notify us of the
loss, theft or unauthorised use of your card; or
• Use of your card by someone else before you receive it.
(e) If you are unable to use a debit card that you have registered or stored in an e-wallet or on your device, we
will not be responsible unless this is as a result of something we have done. This is because we do not have
any control over the e-wallet or your device.
Changes to Part II of this agreement and interest rates and charges
54. We may make changes to the terms in Part II of this agreement and we will give you not less than two months’
personal notification before the change takes effect. You have the right to close or switch your account without
charge before the date any changes come into effect. If you do not close your account you will be treated as having
accepted the changes.
55.(a) W
e may change the rate of interest that we pay on your account and will normally do so for one or more of the
following reasons:
(i) to reflect changes in general interest rates, including the interest rates or terms on which similar accounts
are offered by other providers of financial services;
(ii) to reflect any changes or anticipated changes in law, regulations or codes of practice or to respond to a
decision by a court, ombudsman or regulator;
(iii) to reflect changes to our costs, including administrative costs, costs involved in providing services or
facilities or changes in the costs to us of borrowing funds;
(iv) to reflect any changes in ownership or re-organisation due to a merger or acquisition;
(v) to maintain our financial strength for the benefit of all our members.
(b) Where the change to the interest rate we pay on your account is to your disadvantage we will give you not
less than two months’ personal notification before the change takes effect. You have the right to close your
account without charge before the date any changes come into effect. If you do not close your account you
will be deemed to have accepted the changes. If the change is to your benefit we may make it immediately
and inform you as set out in the “Communication” section of this agreement.
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56. If we increase any charge or introduce a new charge relating to your account, we will notify you before any change
comes into effect.
(a) For changes to charges for payment services this will be not less than two months’ personal notice.
(b) For changes to all other charges this will be not less than 30 days notice and we will inform you as set out in
the “Communication” section of this agreement.
For details of both types of charges see our website or contact your branch.
We can make changes to our exchange rates, which are reference rates, at any time.
Cancellation and closure
57. If after opening the account you change your mind, you can have your money returned without loss of interest,
provided that you tell us of your intention within 28 days from the date the account was opened. You must repay all
the amounts you are liable for under this agreement within 30 days of notifying us of cancellation.
58. You or we can choose to close your account by terminating this agreement. If we choose to terminate this
agreement we will give you not less than two months’ notice. You can terminate this agreement at any time by
telling us.
59. If you close your account by terminating this agreement, please note that for operational reasons, any payment that
is due to be made from your account within five working days of our receipt of your notice may still be made unless
you have specifically cancelled the payment instruction relating to it, giving the required amount of notice. If you
terminate this agreement, all obligations that you have to us in relation to money that you owe to us (including the
payment of interest at the agreed rate and any charges) will continue to apply until you have repaid all of that money
to us.
60. We may close your account immediately in exceptional circumstances. These might include a legal obligation to
close the account or threatening or abusive behaviour towards our staff.
Communication
61. When we give you notice, we will do so in one or more of the following ways:
(a) by writing to you;
(b) by display in our branches;
(c) by display on our website;
(d) by advertising in the press;
(e) by telephone or in person;
(f) by secure message or notice within the Internet Bank;
(g) any other way that is reasonable and appropriate at the time.
You need to ensure that your computer is set up correctly and has the right hardware, operating system and browser
for email and the Internet Bank.
62. (a) A
statement will be available each month and you can choose how you receive this statement, which may be:
(i) on the Internet Bank;
(ii) by post.
(b) Information on individual transactions is available on request or on the Internet Bank or you can request a
mini statement from any Nationwide cash machine.
63. We can transfer all of our rights in relation to your account to someone else.
We can transfer all of our obligations in relation to your account, but only to someone we reasonably consider
capable of performing them equally as well as us and who is authorised or recognised by our regulator as being able
to accept deposits. This won’t reduce any of your rights in relation to your account.
64. This agreement is governed by English Law and the language we will use in our communications will be English.
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If you’re not happy
65. We have a complaints procedure and for more information, or to make a complaint, please:
(a) visit our website and click on the option ‘Contact us’;
(b) phone 0800 30 20 15 (or +44 1793 65 67 89 if you are calling from outside the UK); or
(c) visit one of our branches.
If you are not satisfied with the way we have dealt with your complaint you may refer it to the Financial
Ombudsman Service. You can also refer your complaint to them first without giving us
the opportunity to resolve it, but if you do this, they will only consider your complaint with our consent.
The Financial Ombudsman Service provides a free, independent, complaint resolution service. Details
about their service and how to refer a complaint to them can be found on their website at
www.financial-ombudsman.org.uk. If you purchased your account online, you may also have the
option to refer your complaint to the Financial Ombudsman Service using the Online Dispute Resolution
platform. The platform has been established by the European Commission to provide an online tool for
consumers to resolve disputes about goods and services purchased online. The platform can be found at
http://ec.europa.eu/consumers/odr/.
FlexDirect conditions
These additional conditions supplement and amend the Nationwide current account agreement. In the event of any
inconsistency between these additional conditions and the Nationwide current account agreement, these additional
conditions will apply.
Unless otherwise stated, we may vary these conditions in accordance with Part I of the current account agreement.
1. Account holding and ownership
1.1 The FlexDirect account (the account) is only available to individuals aged 18 or over.
1.2 The account is only available to customers who register, or are registered, for Internet Banking.
1.3 The account must be operated using Internet Banking or Telephone Banking unless you wish to carry out a
transaction or request a service that is not available through either of these channels, in which case you may carry
out the transaction or request the service at any Nationwide branch.
1.4 You will only be entitled to one introductory rate or offer (where applicable) on a Nationwide Group current account
product. If you have previously held the same Nationwide current account product in the last 12 months, you will not
be entitled to the introductory rate or offer under this agreement.
2. Overdrafts
2.1 In addition to any other overdraft charge that we may make under the Nationwide current account agreement, a
daily overdraft usage fee will be charged on overdrafts and is calculated on a daily basis on the overdrawn balance
outstanding and debited from your account monthly. The daily overdraft usage fee will be added to the overdrawn
balance outstanding. The daily overdraft usage fees can be found in our rates and charges information on our
website or are available from your branch.
2.2 Where we seek County Court intervention to recover overdrafts, the overdraft usage fee will continue to be charged
at our current rate up to and including the date of judgment.
3. Statements
3.1 Statements will only be made available on the Internet Bank.
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4. Security
4.1 You must tell us as soon as possible, by contacting your branch (during opening hours) or call us on
0800 357 357 (24 hours) in the UK or +44 1793 65 67 89 from outside the UK, if:
(a) your card or cheque book is lost or stolen;
(b) someone else knows your PIN;
(c) you think someone else may be using your card, cheque book or PIN without your permission;
(d) to notify us of a disputed transaction.
FlexPlus conditions
These additional conditions supplement and amend the Nationwide current account agreement. In the event of any
inconsistency between these additional conditions and the Nationwide current account agreement, these conditions will
apply.
Unless otherwise stated, we may vary these conditions in accordance with Part I of the current account agreement.
1. Account holding and ownership
1.1 The FlexPlus account (the account) is only available to individuals resident aged 18 or over.
1.2 You can use the benefits and services of the account as specified at the time of opening the account provided that
you are resident in the UK and you continue to meet any additional eligibility requirements notified to you at the
time of application.
1.3 You will only be entitled to one introductory rate or offer (where applicable) on a Nationwide Group current account
product. If you have previously held the same Nationwide current account product in the last 12 months, you will not
be entitled to the introductory rate or offer under this agreement.
2. Interest and Charges
2.1 A monthly account charge is payable for the provision of the account. If you choose not to use a benefit or service
provided with the account, or are not eligible for a benefit or service, or a benefit or service is not available to you,
you will not be entitled to a refund or reduction of the account charge.
2.2 The account charge is payable monthly on the last day of each month and will not be charged in the month that you
open or switch to the account. If the charge has not been paid in the month where the account is closed or switched
to a new Nationwide current account, it will be paid on the date the account is closed or debited from the new
Nationwide current account at the end of the month in which the account is switched.
2.3 The account charge and daily overdraft usage fees can be found in our rates and charges information on our website
or are available from your branch. If we increase the account charge we will notify you personally not less than two
months before the new charge takes effect.
3. Overdrafts
3.1 In addition to any other overdraft charge that we may make under the Nationwide current account agreement, a
daily overdraft usage fee will be charged on overdrafts and is calculated on a daily basis on the overdrawn balance
outstanding and debited from your account monthly. The daily overdraft usage fee will be added to the overdrawn
balance outstanding if the account is in an overdrawn position.
3.2 Where we seek County Court intervention to recover overdrafts, the overdraft usage fee will continue to be charged
at our current rate up to and including the date of judgment.
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4. Benefits and Services
4.1 You will be entitled to the benefits and services offered with the FlexPlus account. Details of these will be provided
to you when you open the account and may be updated from time to time in accordance with these conditions.
4.2 If your account is closed or switched to another account, the benefits and services will no longer be available to
you.
4.3 If you cancel any of the benefits or services the account must either be closed or switched to another current
account that you are eligible to open.
4.4 The benefits and services applicable to your account may be provided to you by external product providers and
insurers. In such cases your agreement for those services will be with the relevant provider or insurer and we will
not be liable for any matter arising out of the performance or non-performance of the benefit or service, or for any
involvement or representation made by the provider or insurer.
4.5 We will share your personal data with product providers and insurers from time to time for the purpose of providing
you with the benefits and services.
4.6 Where there are additional terms and conditions applicable to the benefits and services you will be provided with
them. The benefit or service will be offered subject to those terms and conditions.
4.7 No third party authorised to operate the account on behalf of the account holder(s) is entitled to any of the benefits
and services.
4.8
(i) We may add additional benefits or services, or additional features to existing ones, at any time.
(ii) We may withdraw benefits or services, or features forming part of these, by giving you not less than two
months written notice.
(iii) We may withdraw a benefit or service immediately in the following circumstances:
(a) if required to do so to comply with any law or guidance or regulatory requirement;
(b) if it is provided by a third party and they cease to provide the benefit or service to customers;
(c) we or any third party providing a benefit or service reasonably suspect fraudulent activity;
(d) if you breach any terms of this agreement, for example you exceed an arranged overdraft, you fail to pay the
monthly account charge or you fail to repay any sums you owe to us where they have been demanded.
(iv) The terms of a benefit or service offered by a third party may also vary and/or be withdrawn in accordance
with any terms and conditions for the relevant benefit or service.
5. Security
5.1 You must tell us as soon as possible, by contacting your branch (during opening hours) or call us on
0800 11 88 55 (24 hours) in the UK or +44 1793 5412 00 from outside the UK, if:
(a) your card or cheque book is lost or stolen;
(b) someone else knows your PIN;
(c) you think someone else may be using your card, cheque book or PIN without your permission;
(d) to notify us of a disputed transaction.
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Current account declaration
In this declaration section of this leaflet, “Nationwide” means:
• Nationwide Building Society; and
• its subsidiary companies, and any limited liability partnership of which it is a member, which include Nationwide
Covered Bonds LLP, The Mortgage Works (UK) plc, E-Mex Home Funding Ltd, Cheshire Covered Bonds LLP,
Derbyshire Home Loans Ltd, Nationwide Independent Financial Services Ltd; and
I (each of us if more than one is applying) agree that:
(a) The information that I have given you on the application form is complete and true, and I have not withheld
any material facts; you can rely on it in deciding whether to open the account;
I understand that you can decide to decline my application;
(b) As well as the account conditions, Nationwide’s rules apply to this account and I can obtain a copy of these in
any of your branches;
(c) The money I am investing in this account (which I will not use for business purposes) is my own;
(d) For joint accounts:
(i) you can pay cheques and act on instructions signed by either of us unless you are told otherwise;
(ii) for the purpose of s.185(2) of the Consumer Credit Act 1974, if you give us an overdraft you are not required
to provide more than one statement. If we want individual statements we will tell you;
(e) Nationwide has not provided any advice or recommendation regarding any free insurance provided with this
account;
Use of my information
(f) Any information about me and my account may be shared within Nationwide to open and manage the account,
make lending decisions, collect debts, trace debtors, prevent fraud and money laundering and for business analysis.
It may also be shared within Nationwide and with specialist companies for market research purposes on behalf
of Nationwide. It may also be shared with other organisations for the purposes of them providing products and
services in association with or on behalf of Nationwide.
Nationwide may use my information to populate application forms for products provided or introduced by
Nationwide. If I notify you of changes to my personal details, it is your normal practice to update all of my accounts
unless I ask you not to. If I have opened an account or policy with another organisation introduced or provided to me
by Nationwide, I will need to contact them to update my details;
(g) You will make searches about me at credit reference agencies who will supply you with credit information, for use
in the assessment of credit products and other information as well as information from the Electoral Register, for
the purpose of verifying my identity. The agencies will record details of the search type (credit or identification)
and any previous and subsequent names, whether or not my application proceeds. I acknowledge that multiple
credit searches may affect my ability to obtain credit elsewhere. You may use credit-scoring methods to assess my
application and to verify my identity. Credit searches and other information, including any previous and subsequent
names, which is provided to you and/or the credit reference agencies, about me and those with whom I am linked
financially may be used by Nationwide and other companies if credit decisions are made about me. Any of this
information may also be used for identification purposes, debt tracing and the prevention of money laundering as
well as the management of my account;
(h) Any information about me and my account can be shared within Nationwide to prevent or detect fraud, or to assist
in verifying my identity. You may also search the records of fraud prevention agencies who will supply you with
information. You may pass information to financial and other organisations involved in fraud prevention to protect
yourselves and your customers from theft and fraud. If I give you false or inaccurate information and you identify
fraud, you will record this and pass it to fraud prevention agencies to prevent fraud and money laundering;
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(i) For applications in joint names:
By making a joint application, I am creating a financial association with the other applicant, I am also confirming
that I am entitled to:
(i) disclose information about the other applicant(s) and/or anyone else referred to by me;
(ii) authorise you to search, link and/or record information at credit reference agencies about me and/or anyone
else referred to by me;
(j) For applications in a sole name:
Information held about me by the credit reference agencies may already be linked to another individual who has an
existing financial association with me. For the purposes of my application I may be treated as financially linked and
my application will be assessed with reference to any “associated” records;
(k) Where I borrow or may borrow from you, you may give details of my account and how I manage it to credit reference
agencies. If I borrow and do not repay in full and on time, you may tell credit reference agencies who will record the
outstanding debt;
(l) Nationwide may inform me of special offers, products and services, either by letter, telephone or email.
If I am a new Nationwide Building Society customer and I do not wish to receive marketing material by letter, email
or telephone, or any combination of these, I can write to you at Nationwide Building Society, Marketing Opt-out,
FREEPOST SCE 7125, Swindon, SN38 9LY.
If I am an existing Nationwide Building Society customer my current marketing preferences will continue unless I tell
you otherwise. If I have given a previous marketing instruction to any subsidiary or trading division of Nationwide
Building Society, my request to them will not change;
(m)I have the right of access to my personal records held by you and the credit and fraud agencies. Nationwide charges
a fee for this service. I can ask for a copy of your leaflet ‘How Nationwide uses your personal information’ which will
tell me how to apply for my records and explains in more detail how my information will be used by Nationwide, the
fraud prevention agencies and any permitted third parties. You may make changes from time to time to this leaflet
and I can obtain a copy of the most recent version at any time from a branch or on our website.
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Charitable Assignment
In this charitable assignment section of this leaflet “Society” means Nationwide Building Society and, if it merges with
any other building society, includes such other society and “conversion benefits” means any benefits under the terms
of any future transfer of the Society’s business to a company (i.e. on conversion or takeover) except the statutory right to
have shares in the Society (including any balances on share accounts) converted into deposits with the company.
THE FOLLOWING WORDING APPLIES TO YOU UNLESS:
(1) YOU WERE A MEMBER OF THE SOCIETY ON 2 NOVEMBER 1997 AND HAVE CONTINUED TO BE A MEMBER
EVER SINCE THAT DATE; OR
(2) YOU FALL WITHIN A SPECIAL CATEGORY OF PERSONS TO WHOM OUR CHARITABLE ASSIGNMENT SCHEME
DOES NOT APPLY.
By applying to open an account after 2nd November 1997, you also apply to be a charity member of The Nationwide
Foundation (“the Foundation”) unless you are already a charity member.
You agree that, if:
• the account is opened by the Society and you are or become a charity member of the Foundation; and
• the Society subsequently enters into an agreement to transfer the whole of its business to a company, you will assign
to the Foundation (or any charity(ies) nominated by it, but to no other person) all rights to or in connection with any
conversion benefits to which you would otherwise become entitled as a member or depositor at any time before, or
within two years, after your membership of the Society comes to an end.
You make this agreement:
(a) with the Society (acting for itself and for the benefit of the Foundation), in return for the Society opening the account
you are applying for, and you acknowledge that the Foundation may enforce the benefit of your agreement with the
Society under the Contracts (Rights of Third Parties) Act 1999; and
(b) with the Foundation directly, in return for the Foundation granting you charity membership (if you are not already a
member).
This agreement means that, without any further notice to you:
• the Society may make over to the Foundation (or to any charity(ies) nominated by it) any such conversion benefits;
and
• the Foundation may exercise all your rights in relation to any such benefits.
You understand that this agreement is irrevocable and cannot be amended or varied without the consent of both the
Society and the Foundation and that neither the Society nor the Foundation will release you from this agreement. You
understand that (except in the case of any class of person where the Society considers this to be inappropriate) the
Society will require on behalf of itself and the Foundation that all applicants for share and mortgage accounts agree to
the above condition (or a condition having substantially the same effect), unless the Society decides and announces by
press release that it is no longer in the best interests of the Society to do so generally on a continuing basis. Any such
decision by the Society would not have retrospective effect and you would continue to be bound by the above condition.
23
Setting up payments to and from your account
Making payments into your account
Regular payments (such as a salary or pension) can be automatically paid into your account, simply provide the
organisation with your sort code and account number for them to set it up.
Standing orders (regular payments of fixed amounts) can be paid directly into your account by giving the person
making the payment your sort code and account number.
Cash and cheques can be paid in using your card at any Nationwide branch based cash machine or branch counter. You
can also post your cheque to your local branch and we’ll pay it in for you (you’ll need to write your account number and
sort code on the reverse of the cheque).
Making payments from your account
Direct Debits (regular payments of different amounts) are arranged by the organisations you are paying. Only
approved organisations can arrange Direct Debits and in the unlikely event of an error, you are guaranteed a refund.
Standing orders (regular payments of fixed amounts) can be used to pay individuals or organisations and can be set
up via a simple form, phone call or the Internet Bank.
Bill payments can be set up for up to 21 different organisations simply by giving us the name, bank details and a
description of a bill you have received.
Special payments can be made via CHAPS (for same-day transfers between different banks or building societies).
Overseas payments or payments in a foreign currency can be made via SWIFT. Payments in euro to a country in
the SEPA region can be made through the SEPA Credit Transfers Scheme and cannot be made through SWIFT.
Fees will apply to special payments - for details ask us in branch, call 0800 30 20 11 (or +44 1793 65 67 89
from outside the UK) or visit our website.
It is essential that any payment instruction is completed accurately, including quoting the correct account
number(s) and sort code, of the person to whom you are making the payment. The account number(s) and
sort code, rather than the name of the person receiving the payment, are the key pieces of information used
when processing the payment. If these details are given incorrectly the payment may be delayed, or even not
received.
Cheque books
If you have a cheque book, you can use it to make payments from your account. When writing cheques:
• Don’t use a future date (known as post-dating).
• Always sign and date your cheque and check the amounts match.
• Only write cheques in pounds sterling.
• Check the available funds in your account before writing the cheque - if you don’t have enough money in your
account to cover the cheque we will charge a fee (see our website for details).
24
25
Just ask in branch
Call 0800 30 20 11
Visit nationwide.co.uk
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.
You can order all our publications in large print, Braille or audio format. Your local branch will
arrange this for you or you can contact us on 0800 30 20 11 (or +44 1793 65 67 89 if you
are calling from outside the UK). If you have hearing or speech difficulties and are a textphone
user, you can call us direct in text on 0800 37 80 01. We also accept calls via BT. Just dial
18001 followed by the full telephone number you wish to ring.
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 106078. You can confirm our registration on the FCA’s website, www.fca.org.uk or
by contacting the FCA on 0800 111 6768.
Nationwide Building Society. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire SN38 1NW.
P857 (March 2017)