| Obtaining a Balance |
An up-to-date balance of your account, together with the available balance, can be obtained by selecting the balance button.
The Available Balance is the value of the funds available for withdrawal (excluding any agreed overdraft); the Account Balance includes all the uncleared items, like cheques that are waiting to clear and standing orders which are about to be paid.
A negative balance is displayed in red and preceded by a minus sign.
| Requesting Statements |
You can view a mini-statement of your account by selecting the mini-statement button. Details of the last 12 transactions are displayed (or all the transactions, if there are less than 12 on the account). If there are no transactions on the account then the account balance is displayed.
The transactions on your account are displayed, together with the date of the transaction, the amount the transaction was for and a running balance of the account. Negative balances are displayed in red and preceded by a minus sign. The available balance is repeated for your convenience.
If you have a printer you can print the mini-statement by selecting the Print option on the File menu (or if available, by pressing the Print button - this is normally found in the browser toolbar). You will need to check your browser (or contact your browser supplier - the suppliers details are often found in the browser's Help), to see if this function is available to you.
Full statements can be sent every month, quarter, half-year, or just once a year, if you prefer. Customers with Payment Cards, however, will automatically receive a statement every month.
In addition, you can request a full statement to be sent to you by post by selecting the order statement button.
| Internal Transfers |
Regular Internal Transfers:
You can arrange to make regular, fixed payments from your FlexAccount to any investment account you have with us
(providing that this is within the account Terms and Conditions). These transfers can be set up to take place on any day
of the month up to and including the 25th day.
Ad Hoc Internal Transfers:
You can make internal transfers of varying amounts at varying times to any investment or mortgage account you have with us
using Online Banking, Telephone Home Banking, a Nationwide cash machine or by calling in at your branch.
To set up the service simply give us the details of the account you would like to credit. If you have a printer, you can print and complete an Internal Transfer Authority form which you can find by clicking on the payments transaction button.
Please note : Internal transfers will take up to two working days to reach the destination account. Interest will be paid at the new rate from the next working day following the date the transfer is requested.
| Paying Bills |
If you want to make paying your bills much easier, you can use our Bill Payment service.
Simply give us the details of up to 21 different organisations that you have to pay regularly - for example, gas and electricity bills, credit cards and store cards.
When you need to pay a bill, you just have to tell us how much - by calling in at your branch, using a Nationwide cash machine, or the Online Banking service.
Selecting the payments button provides you with a list of all the payment identifiers you have set up on your account. If you have no identifiers set up, you can obtain a payment authority form from any Nationwide branch, or alternatively, if you have a printer, you can print and complete a Bill Payment Authority form to create a New payment identifier. You can also Amend or Cancel existing payment identifiers using this function. You can find this form by clicking on the payments transaction button.
Using this service, it can take the people you're paying a number of days to process the payment. Therefore, if you need to pay a bill by a certain date, it's important that you take this into account. We suggest that you allow up to 5 working days for your payment to reach its destination.
If a future dated payment is set up then the amount and the date that the money is scheduled to leave your account will be displayed alongside the identifier.
If you wish to make a payment to an organisation which does not appear on the list, you will need to complete a Bill Payment Authority form first so that the details can be set up on your account.
Making a Payment
Select the payment identifier from the list box. Enter the payment processing date*. Enter the payment amount, then press the payments button. A confirmation dialog will then be displayed, press Yes if the payment details are correct or No to re-enter the details. When the payment instruction has been accepted a message will be displayed.
If a future dated payment has been created, the details will be shown next to the payment identifier in the list box.
Cancelling a Payment
If you have created a future dated payment which you subsequently wish to cancel, select the payment identifier from the list box, then press the Cancel button. A confirmation dialog will then be displayed, press Yes if the cancellation details are correct or No to re-enter the details. When the payment cancellation instruction has been accepted a message will be displayed.
If you wish to cancel a payment on the day it is due or if you keyed it as a future dated payment for the following day you must ask your branch to cancel the instruction.
* Please note: The processing date is the date when the payment leaves your account. Please allow up to 5 working days for your payment to reach its destination.
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| Hints and Tips |
Here are some hints and tips you may find useful:
| If you have a printer you can print the mini-statement when in the Statements area by selecting the Print option on the File menu (or if available, by pressing the Print button - this is normally found in the browser toolbar) |
| To set up new payment identifiers you need to complete a Payment Authority form. These are available at all Nationwide branches. Alternatively, if you have a printer, you can set up New payment identifiers or Amend/Cancel existing payment identifiers by completing a Payment Authority form, which you can find by clicking on the payments transaction button |
| If you know anybody else with a FlexAccount who has registered for Online Banking (or Telephone Home Banking), they can interrogate their own account using your PC. Of course, to do so they will need their own customer number, password and PIN |
| Once you know your way around the Online Banking Site, if you want to cut down on download times, try changing your browser, so it only loads text and not images. This will significantly reduce the download time |
| To ensure that you have the latest information on products and interest rates, you should clear your cache regularly. You can set your browser to check for a newer version of a page every time you start your browser |
| If your PC is running at 640x480 resolution (or you just want to see more of the web page content), then you may be able to customise your browser in one of the following ways - |
| - trying removing text from the navigation buttons | |
| - removing unnecessary tool bars | |
| - Decreasing the font size where the page is mostly text | |
| For more information on customising your browser, check any supporting material accompanying your browser |
| Payment Queries |
This section outlines what to do if you have any queries about the payments facility.
If you have made a payment for today you can check your mini-statement to ensure that the payment has left your account.
If the payment is for a future date you can check the payments screen on the following day to see whether the payment instruction has been received (future dated payments are shown next to the payment identifier).
Payments made through Online Banking can be made up to a month in advance, but please make sure that you allow enough time for the payment to reach its destination and that you have sufficient funds in your account on the date that the money is leaving your account.
The maximum payment value is £5,000 per day on any one bill or any one account transfer.
Only one payment to each organisation, or account can be forward dated. However, one payment can be made today and one can be set for a future date.
If you have a future dated payment set up then this is displayed against the payment identifier (unless it was set up that day). If you key a second future dated payment on the same day only the latest instruction sent will be accepted.
If you have any problems with payments please contact Customer Services on 0345 30 20 10.
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| Change of Personal Details |
If you're moving, it's important that you tell us your new address straight away.
Most of the mail you receive from us concerns your money, so help us to make sure that it's secure.
If your name changes, simply tell us and we'll order you a new cheque book and appropriate card to match.
It is important that you notify your local Nationwide branch, in writing, of any change in personal details.
We cannot accept e-mailed or faxed instructions.
| Overdrafts |
If you think that you might need some extra money - to cover your bills before your salary is paid in,
for example - it's important that you get in touch with us before you dip into the red.
An authorised overdraft is a cost-effective way of borrowing money; there are no set up charges
and you are only charged interest for the days and amount you are overdrawn.
To arrange an overdraft simply ring Customer Services on 0345 30 20 10 or contact your local branch.
It is important to get prior agreement to an overdraft, to avoid higher interest and charges. For full details of overdraft rates and charges, check out our Internet page, call Customer Services on 0345 30 20 10, or ask at any branch.
| Nationwide Products and Services |
Our policy is to offer a range of services to suit your needs:
Loans, Mortgages, Savings & Investments, Financial Planning, Current Account, Sharedealing, Pensions, Travel Services, Insurance and Business Accounts.
For these and many more services, you'll find full details on our main site. Alternatively you can call Customer Services on 0345 30 20 10.
All mortgages, loans and overdrafts are subject to status. Available to those aged 18 or over only. Security is required for mortgages and secured loans.
Written quotations available on request.
| YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS |
| ON A MORTGAGE OR OTHER LOAN SECURED ON IT. |
Nationwide Building Society, Nationwide Life Limited and Nationwide Unit Trust Managers Limited represent only the Nationwide Marketing Group, which is regulated by the Personal Investment Authority for life assurance, pensions and unit trust products. Nationwide Unit Trust Managers Limited is also regulated by IMRO.
| Useful Nationwide Telephone Numbers |
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