Nation Wide - Independent review

All you need to know before sending money with Nation Wide



Transferring a Large Amount Abroad?

Make the Most of Your Currency Exchange



Reviews powered by

473 customer reviews on Nation Wide on Trustpilot


2 days ago
by Alan

1 stars

Terrible service both in branch and on …

Terrible service both in branch and on line. When their internet service is down there is no way to conduct business, just a message to call back in 5...Read more

Terrible service both in branch and on line. When their internet service is down there is no way to conduct business, just a message to call back in 5 hours!

4 days ago
by Richard

2 stars

Outrageous fees & charges,

I switched my current to Nationwide from Santander as the latter have, imo, become so large, customers are now just a number. I have always been under the...Read more

I switched my current to Nationwide from Santander as the latter have, imo, become so large, customers are now just a number. I have always been under the impression that the Nationwide were different to most high street banks/building societies in that their customer service was better and that you were valued as a customer. It would seem that they are no different to the rest. If you happen to be going through a period of financial difficulty it would appear that they simply do not care. Woe betide you if you miss a direct debit/standing order due to lack of funds ! Seemingly this justifies slapping fees and charges up to £70 (!) a time on your account ! When asked how they could possibly justify such ludicrous charges, for something that hasn't happened and presumably has cost them nothing (!?), they simply spout T & C's at you, with no attempt to justify their daylight robbery. Occasionally, their fees and charges lead to other DD's not going out, hence leading to more issues with payees and yes you guessed it, more fees and charges ! And then there's the other old chestnut of slapping a charge on your account, taking you into unauthorized overdraft territory, therefore giving them the opportunity to charge you for that too ! When asked for a modest overdraft facility to help me out, which would benefit them too in terms of interest, they turned me down. If, like me you are under the impression that the nationwide are a more customer friendly, caring place to bank, as they would have you believe, don't believe a word of it. They are as bad as all the others when it comes to their greed. It's a one way street, we'll help ourselves to what we want but unless you have a healthy bank balance, we're not helping you !

5 days ago
by Holly Sheridan

2 stars

Fraud Team customer service is not great.

I recently opened an account with Nationwide, my card was stolen in the post an a £600 bill ran up. I stupidly didn't realise until l got a letter in the...Read more

I recently opened an account with Nationwide, my card was stolen in the post an a £600 bill ran up. I stupidly didn't realise until l got a letter in the mail to make the payment. I called the bank on Thursday, and their response made me feel as though I was the suspect, telling me they're not sure how it could happen and 'seems strange' leaving me even more worried. They then told me there was nothing they could do about it without a crime number. The next day I spent an hour on the phone to the police, got a crime number and called Nationwide back to be told i didn't need a crime number at all and they would look into it for me. They said they would call me back with an update before the end of the day, of course no one got back in contact with me. I followed this up a couple of days later, was passed around from person to person until i was finally given an update. Overall, disappointed with the way it was not taken seriously or followed up and how i was made to feel stupid when i first reported it. I'm closing my account and wouldn't bank with them again.


More reviews

09/17/2017
by Lauren

2 stars

RECOMMEND A FRIEND

The bank have always been great with myself however when trying to do recommend a friend don't bother, you can only get it on certain accounts - AND THEY...Read more

The bank have always been great with myself however when trying to do recommend a friend don't bother, you can only get it on certain accounts - AND THEY DONT TELL YOU WHAT ACCOUNT!! I've bigged up Nationwide to a friend for ages and now im just being made to look like an idiot because you have so many requirements just for the £100, its not worth the hassle!

09/16/2017
by Dick lawrence

1 stars

How these people manage to keep their …

How these people manage to keep their customers I really don;t know. Their terms change by the month. I can tell you that I shall be well glad to be rid...Read more

How these people manage to keep their customers I really don;t know. Their terms change by the month. I can tell you that I shall be well glad to be rid of them and I will be soon. Thank God!

09/16/2017
by mfradford

4 stars

I have been generally happy since …

I have been generally happy since joining two years ago. Find staff at my local branch very helpful compared to HSBC - my last bank.

09/15/2017
by Jj

1 stars

We were buying a new car today

We were buying a car today. we put extra money in the account, just in case Forgot the pin no twice on third time it accepted the card. Then it came up...Read more

We were buying a car today. we put extra money in the account, just in case Forgot the pin no twice on third time it accepted the card. Then it came up declined. So we phoned to ask what happened. Must have been in the queue for over 30 minutes at least. Finally a man answer and put us on hold For about another half hour, supposedly to do security check. Then we got cut off. We phoned again a hour later the phone was answered. The lady did the security checks and then said it had been declined because of 3 wrong pin numbers. We don't use this account much but it definitely went throungh on the third pin entry. We asked this morning if it would be a problem they said no it would be okay, to use the card. I have been a customer of nationwide forabout 40 years. I have various different acounts but not for long.

09/14/2017
by Richard Baker

5 stars

Never had any problems.

Never had any problems. Staff at exeter .very mannerly. And helpful. Only downside are stupid trashy adverts.

09/13/2017
by mark

1 stars

Costs up, benefits and service down ...time to leave

Money is spent on adverts and director payments, while benefits, services and branches are decreased and charges are increased. Had opened accounts for...Read more

Money is spent on adverts and director payments, while benefits, services and branches are decreased and charges are increased. Had opened accounts for children, which took weeks of wasted calls, emails and branch visits to sort, but degradation of account benefits while increasing charges was the last straw. Will be moving 3 accounts and credit cards elsewhere, as soon as I find the right bank on money saving expert. Real shame Nationwide have lost the plot.

09/13/2017
by Lisa Cobham

4 stars

Effortless Service

I have banked with Nationwide for over 20 years and im always impressed with the service they offer. They have evolved with customers needs and behaviours...Read more

I have banked with Nationwide for over 20 years and im always impressed with the service they offer. They have evolved with customers needs and behaviours over this time, developing technology and adapting styles whilst reducing effort. I have never once considered moving and have found them helpful and efficient at every touch point.

09/12/2017
by Pete Collins

1 stars

I Just Can't Think Of Words Negative Enough To Describe This Bank

I've had a good experience with banks up until last November. I opened a current account with Nationwide in November as they have good interest rates....Read more

I've had a good experience with banks up until last November. I opened a current account with Nationwide in November as they have good interest rates. (Please read the small print though). With them 9 months - closed the account last week. Quite simply shocked. I encountered 'customer service' advisors who are just plain rude and can't spell basic words (needed to stop a continious payment authority). Mistake after mistake. Overall I have never come across a company so incompetent with such a lack of respect for customers. Frightening to be honest - they are handling peoples finances.. I went along to close the account and I had to deal with another dim brat like customer service advisor and an ignorant so called 'operations manager' who could hardly construct a basic sentence. I'm not an impolite person but Nationwide employ people who really aren't ready to be working in a school sweet shop. I made one last complaint to them in total disgust. Under regulations banks have 56 days to offer a resolition. They confirmed receipt of the complaint but never tried to resolve. The 5 star fake reviews on here aren't hard to spot either..

09/08/2017
by Naomi Richmond-Swift

5 stars

Nationwide have been amazing as a …

Nationwide have been amazing as a mortgage provider the whole way through the process of buying my first house. I got £500 cashback which was so useful...Read more

Nationwide have been amazing as a mortgage provider the whole way through the process of buying my first house. I got £500 cashback which was so useful on the first month's payment, and they delivered me a care package when I first moved in - that made a big difference at that point!

09/07/2017
by bex

5 stars

I've got a mortgage and current account …

I've got a mortgage and current account with nationwide and have always recommended them very highly, I'm really surprised by the reviews on here. I've...Read more

I've got a mortgage and current account with nationwide and have always recommended them very highly, I'm really surprised by the reviews on here. I've had nothing but a very positive experience.

09/07/2017
by Anna

5 stars

Really pleased with how smoothly our …

Really pleased with how smoothly our move went using nationwide for our mortgage. Just came home today to our welcome package what a lovely idea.

09/07/2017
by John Jenkins

5 stars

A super easy re-mortgage process

End of 2 year fixed rate period on my Nationwide mortgage approached. Applied to re-mortgage online expecting the usual headaches of getting...Read more

End of 2 year fixed rate period on my Nationwide mortgage approached. Applied to re-mortgage online expecting the usual headaches of getting valuation/legal/admin costs etc. However, as I was re-mortgaging a current Nationwide mortgage with Nationwide the process was super quick (literally took less than 5 minutes) and completely cost free. They estimated the current value of my home based on their last assessment 2 years ago so no additional valuation or surveyors fees needed (new estimate show's growth of c. 11% in my house value, which pushed me into a lower LTV bracket, so a nice little win!). No laborious affordability or change in earnings questions, instant approval and new mortgage kicks in beginning of next month, plus some cash back for my efforts. I am literally in shock as to how easy it was.

09/06/2017
by LJ RUDELHOFF

1 stars

'WORLD'S WORST BANK'

A terrible place to keep your cash, Run by idiots & liars, if i could give it a zero star rateing, i would, 'there simply not to be trusted...

09/01/2017
by customer

1 stars

Staff told me wrong information over …

Staff told me wrong information over the phone regarding my overdraft. Now received overdraft fee and they won't review the phone call to see that I was...Read more

Staff told me wrong information over the phone regarding my overdraft. Now received overdraft fee and they won't review the phone call to see that I was told wrong information - told me they can't refund the money and it's in the 'small print'

08/31/2017
by Anu

1 stars

Incompetent staff

I am writing this review based on my experience with nationwide mortgage. When my hubby and I bought our first home, we took out a mortgage via a broker...Read more

I am writing this review based on my experience with nationwide mortgage. When my hubby and I bought our first home, we took out a mortgage via a broker through nationwide. The process was very easy and straightforward with no problems. We remortgaged 2 years later and decide to stay with nationwide but boy, the process this time was exhausting. We went into the branch, spent 4 hours talking to an advisor (missed a day's work), submitted every single documentation they asked for etc. When they sent a surveyor to value our house, it was massively undervalued. We knew this because we'd had valuations from other surveyors. We went through a ridiculous appeals process and eventually, nationwide admitted they got it wrong and eventually got another surveyor to value the house correctly. you would think that would be the end of it... nope. They did a very poor job of continuing with our old mortgage and didn't switch our account to our new mortgage term. There were several phone calls, basically telling them how to do their job. It seems to me that they rely heavily on their computers to work for them and they can't seem to keep up with things. 3 months since we started the remortgage process, we are still waiting for them to activate our product switch. Last letter they sent us was to send a new set of documents that we had already provided 3 months before. Rang them this morning and they said they will look into things and ring me back. No response so far

08/27/2017
by Mr Ahern

1 stars

The fraud section of this bank is a …

The fraud section of this bank is a joke. Today my card was snatched for some sort of fraud when I tried to withdraw £190. The machine with held my card...Read more

The fraud section of this bank is a joke. Today my card was snatched for some sort of fraud when I tried to withdraw £190. The machine with held my card but within 5 mins let some bellend withdraw £490 out of my account and then they spent another £98 in Morrisons . I got told nothing can be sorted tiĺl Tuesday as it is a bank holiday Monday. So I've worked all week for sweet FA. Been told they will give me back the money on Tuesday . How does that help me today with a home and children to support. Proper load of crap. Thanks for FA Nationwide

08/26/2017
by SONIA

5 stars

I absolutely love Nationwide

I absolutely love Nationwide. I have been with them for 8 years and my belief in them as a company just gets better and better. They are so helpful and...Read more

I absolutely love Nationwide. I have been with them for 8 years and my belief in them as a company just gets better and better. They are so helpful and honest at all times. The customer service over the phone is second to none the staff always seem enthusiastic to help no matter the situation. They treat you with so much respect as a customer and truly appreciate your custom. I wouldn't leave this bank to go bank with anyone else. The customer is truly at the centre of the business. If you're not banking with Nationwide you're seriously missing out! Would give more stars if I could.

08/25/2017
by Jean-Marc

1 stars

Do you even know what you're doing...?

So I opened an account with Nationwide two and a half months ago and decided to make a switch from my other bank to them. As I'm banking with another...Read more

So I opened an account with Nationwide two and a half months ago and decided to make a switch from my other bank to them. As I'm banking with another building society not a part of the "Guaranteed Switch" procedure I submitted a manual transfer form to them which was first rejected because I chose the wrong date and they sent me a letter to explain why I needed to do it again... Fair enough. However, I made it again and chose carefully a switch day a month from the day I was making the claim from, on a working day and less than two months away then sent it via first class. It's been more than two weeks that I hadn't heard from them so, I called earlier on last week and someone told me that they received it but it has been blocked for "unknown reasons" but the agent said he would call me back within 48 hours to update me but as expected, he didn't. So I called them back today to find out it was rejected again because according to them, I chose the wrong date again and that I should go to a branch to do it properly. I got fed up because there was nothing wrong this time but I still went to the branch in Brixton and another agent said that they MAY NOT be able to do it because my account is with another building society which is not a high street bank and that I need to call the head office.. WHICH I FREAKING CALLED ALREADY!!!

08/25/2017
by Norman

1 stars

I have had a credit card with Nationwide - don't bother!

I have had a credit card with Nationwide for years, which I keep for emergencies. Today I needed about £1000 to pay a debt, so went online to check my...Read more

I have had a credit card with Nationwide for years, which I keep for emergencies. Today I needed about £1000 to pay a debt, so went online to check my credit card - balance £5, credit limit £2000, Available funds £2005. Excellent! However the online system would not let me do anything so I called on the phone to be told that my credit card account had actually been closed a couple of years ago! The Nationwide representative and her manager both refused to accept that Nationwide had been giving me wrong information or that Nationwide had erred in any way, even though I have all the monthly statements stating £2005 funds available. Manager thought he was being helpful by saying he would refund £5 within 3 working days and have the credit card details removed from my online webpage - but they still haven't done anything wrong! Called my local branch whose information was that I still had the credit card! Not allowed to speak to anyone in Head Office, so have instigated a complaint.

08/25/2017
by Emma Louise Harvey

5 stars

Nationwide are the most helpful staff I …

Nationwide are the most helpful staff I have ever experienced! The go above and beyond to sort out problems. I had a beyond terrible experience with...Read more

Nationwide are the most helpful staff I have ever experienced! The go above and beyond to sort out problems. I had a beyond terrible experience with AMAZON and they did everything they could to help me out. Will never use a different bank

08/24/2017
by Patrick O'Neill

5 stars

Opening a UK bank account

My wife has had trouble opening a UK bank account with Nationwide. After getting nowhere with Nationwide Call Centres a lady called Fen Winters called...Read more

My wife has had trouble opening a UK bank account with Nationwide. After getting nowhere with Nationwide Call Centres a lady called Fen Winters called this afternoon and is now in the process of getting the account opened. She was extremely friendly and helpful and we just hope other Nationwide staff would follow her example. A big thank you to her from both of us. Patrick and Sheilah O'Neill

08/24/2017
by D Noorwitz

1 stars

Nationwide credit card , appalling service

I have had a shocking experience with this building society/bank, Applied for a credit card after being bombarded with offers to join, passed the credit...Read more

I have had a shocking experience with this building society/bank, Applied for a credit card after being bombarded with offers to join, passed the credit check and was offered £3500 initial credit limit, so thinking everything went fine left it at that, only to receive another email to state that they had refused my application for the card and that they have left a hard search on my credit file which will obviously effect my credit score adversely! I have never missed any payments and are up to date with everything but still nationwide have Mislead me and ruined my credit file. Be very careful when you apply for a credit product from this company you risk ruining your credit score! I have since closed my bank account with these and taken my business elsewhere. Must add the customer services were incompetent and not very helpful.

08/24/2017
by Ian Wallace

1 stars

Total incompetence and indifference …

Total incompetence and indifference from Nationwide over a recent international swift transfer to my bank account in Malaysia. After submitting the form...Read more

Total incompetence and indifference from Nationwide over a recent international swift transfer to my bank account in Malaysia. After submitting the form online, I received an email message incorrectly stating that a reason must be given for a swift transfer to Thailand! I replied to this email and was informed that it may take up to 5 working days before I received another reply. Eventually, after 4 further emails and 4 very expensive international phone calls to the UK from Malaysia, I was told that the transfer would eventually take place - almost a week after my original application. On my return to the UK I will be definitely closing all my Nationwide accounts as a result of the appalling treatment I have received.The Swift team at Nationwide seriously need to get their act together!

08/23/2017
by Kieron McCluskey

1 stars

Stay CLEAR

Whatever you do ,do not set up an account with this building society. Not only did they fail to refund fradulent transactions, they closed my account and...Read more

Whatever you do ,do not set up an account with this building society. Not only did they fail to refund fradulent transactions, they closed my account and blacklisted me. When I asked about their complaints process, I was informed I would be contacted and surprise , surprise they failed to do so. The sheer horrendous customer service I received was akin to nothing I have ever experienced. Stay Well Clear. I am still amazed at their audacity , if it was possible to give minus stars I would.

08/22/2017
by Wendy Richards

1 stars

Terrible customer service and stuck in France!

Terrible customer service. I am currently stuck in France. Last day of holiday and had left more than enough money in my account for petrol and last meal...Read more

Terrible customer service. I am currently stuck in France. Last day of holiday and had left more than enough money in my account for petrol and last meal and bit more. Went to garage to fill up and it pre-authorised the whole balance in my account (no idea why and no petrol taken). Garage provided proof that nothing taken but Nationwide are refusing to assist and it will take 10 days...so MY money is floating around in their system and they will not help despite 3 phone calls home. I had opened account quite recently after bad experiences with Natwest but all is forgiven as on my return will be closing account. I am an extremely unhappy customer. So if your thinking of opening an account DONT.

08/21/2017
by C.Cassar

5 stars

Never been happier..

Never been happier... I "moved my money" from HSBC (awful) over 5 years ago, when I found out that HSBC was funding something that I morally...Read more

Never been happier... I "moved my money" from HSBC (awful) over 5 years ago, when I found out that HSBC was funding something that I morally disagree with (Japanese whaling fleet). Just called Nationwide at 1.30am on a Sunday morning to cancel a direct debit and talked to a lovely girl called Emma that was so helpful!! Please, bring back your car insurance too... I am still looking for a decent provider!! I wish every company was a good as Nationwide I really do!

08/17/2017
by JCK

2 stars

Comedic and exasperating NationWide mortgage fiasco

So my mortgage 3 yr fixed rate expires next month so Nationwide phoned and wrote to me (misleadingly it transpires) indicating that in order to switch...Read more

So my mortgage 3 yr fixed rate expires next month so Nationwide phoned and wrote to me (misleadingly it transpires) indicating that in order to switch rates I would have to come in and talk to a consultant in branch. So I dutifully drive in and pay for parking. So over 2.5 hours conversation snippets:- NW: [lots of busy keyboard activity] Oh you're in arrears ME: yes I have been on the phone to Nationwide several times. I've changed job and the manual payment last month through my own error went to the wrong account details. The money has bounced back to my account, and I have now paid as of yesterday last months mortgage. All been explained to your colleagues NW: oooo, can't rate switch you as your technically 2 months in arrears ME: I am not two months in arrears, stand order paid and I now get paid end of August and Nationwide have said repeatedly so long as I pay before end of month that's fine NW: ooh not showing payment, your two months in arrears, can't switch rate till you pay arrears. [cue more frantic tapping at keyboard] [now imagine over 2.5 hours repeating the above conversation over and over until eventually the lady concedes that once the paynent for previous month clears I will not be in arrears and can switch rates, but.....] ME: So can I set up a direct debit for the last working day of the month, my new pay day? NW: [pained look in face] noooo, not possible. No one allows that. Me: yes they do, it may not be universsl but it is possible. I already have such a direct debit set up NW: [very Gaelic shrug, coupled with a hint of a sneer] ME: OK I can't be bothered arguing, your system doesn't allow this so, I'll set up a standing order with hSBC for last working day of the month [I know this is possible bacause I have already set one up for my savings] NW: [cue by now familiar pained expression] ooooo, I'll have to go away and check I'm not sure a standing order arrives in our account the same day. [Consultant disappears for a good 20mins or more to huddle with her colleagues...I spend the time surfing the net on my phone looking for alternative mortgage providers] [NW returns sporting pained look] ok so no it takes 2 or three days to clear [ME] So your telling me if I pay by standing order I will be forever in arrears?! [NW] yes and that will affect your credit rating, badly [pained expression transforms to sneer] [ME] Thats crazy, I get paid end of month, I can't pay by direct debit because your system isn't up to it, and if I pay by Stading Order you'll trash my credit rating and fine me every month. [NW]. Well no one pays by standing order [Cue repeating conversation along same lines a few times] [Me, getting a little exasperated after 2 hours]. So what can I do? [NW] you could use faster payment [!?!!!!] [Me] right I'll do that, would have been good to know earlier, [Barely holding it together at this point]so when July clears in the next few days, I can switch? [NW] yes [Me] I don't have time to come in again [NW] oh no you can just do it online or over the phone [Me] [exasperated sigh, leaves the building I do now see the funny side


From our blog

Lock in Your Exchange Rate with Lebara Money

Lebara Money Transfer offers a useful feature for people who regularly send money abroad — “If you like it, lock it.” It’s designed to help you reduce risk and manage your finances and exchange rates more effectively. It works as follows: When you plan to send money overseas, you can review today’s offered exchange rate […]


Going Borderless? Your questions on TransferWise’s newest service, answered.

TransferWise is one of the best money transfer and currency exchange providers we work with. We love their mid-market exchange rates, wide availability, low fees, and easy-to-use services. In fact, we wondered, could they get any better? It turns out they can. In May 2017 they announced a brand new service, the “TransferWise Borderless Account.” […]


PayPal, Square Cash, Venmo, Skrill, Google Wallet, Apple Pay, which digital wallet is better for international money transfers?

Digital wallets have not only changed the way we pay for things on the Internet, but also how we send money to our friends and family. Specialized companies such as PayPal, Square Cash, Venmo, and Skrill, or tech giants such as Google (with Google Wallet), Apple (with Apple Pay) and Facebook (through Messenger), have revolutionized […]



Ask questions or share your comments on Nation Wide




Compare all the options before your next money transfer Compare now

Key facts about Nation Wide

Service information

Time to open an account -
Minimum amount -
Maximum amount -
Required documents -

Company information

Type of service provider Banks
Active since -
Headquarter -

Contact information

Contact support -
Service hour -


Find the best provider for your next transfer

The cost of sending money depends on the amount of money sent, the countries you're sending between, and the type of transfer. Make sure to compare before each of your transfers as costs also vary through time.

Read reviews on money transfer companies

Get independent information about money transfer companies, read customer reviews, step-by-step guides, security information, and frequently asked questions.



Proudly made in Switzerland

Global Impact Finance Ltd
Rue Etraz 4
1003 Lausanne
Switzerland


Mobile Analytics