You do just cling on to Nationwide in the hope that it will suddenly step up its online game.
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The FlexPlus fee is going up.
From 1 December 2024 the FlexPlus account fee will go up from £13 a month to £18 a month , which is an increase of £5 .
Where did you see that? An email?
It’s on the FlexPlus page on their website.
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The website confirms it sadly.
38% increase! 
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It has been a good deal compared to most other accounts, apart from maybe the Virgin M account. I think it still represents reasonable value for money, but no longer such an no brainer choice if you want this type of account.
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I only use the account for this, the breakdown cover and the fact I can insure all my families phones.
Lots of other accounts do phone insurance but only for the account holder.
Ouch.
I was just toying between RBS Platinum Reward and FlexPlus.
I did consciously look up separate insurances:
-
iPhone 14 Pro insurance (damage, loss and theft) £59.30
-
Breakdown cover (national recovery, garage of my choice, home start, car hire etc) £21.25 no excess
-
Travel insurance (EU) £23.50 - can live without and book as and when
All 5* Defaqto (I’d have to search again for the brands).
So for £80.55 opposed to RBS £204, Flex £216, Monzo £216.
Probably need to dig deeper but £6.71 a month 
or £8.67 with travel (I don’t travel frequent enough).
Free virtual cards from Revolut.
Insights on RBS isn’t too shabby (first direct doesn’t seem to work).
To be fair that’s been what 7 years without an increase? Pretty good going really - although might have been better if they done it year by year rather than hitting you all in a lump sum now but probably cheaper to get insurance by yourself and not pay for the account
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Ouch, that’s a huge hike, I was expecting and ready to absorb a £1-£2/month spike. Will have to do some research now - Onward Travel was the feature that brought me in to Nationwide from Halifax. I believe it’s only them, Natwest Group and Monzo (although less good RAC).
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I’d be interested to get the name of the * Breakdown cover of you can find it. that seems a very good deal for a comprehensive package.
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It was 2together Insurance.
Reviews hit and miss, though having a close look at their insurance policy some of the older reviews may refer to older terms.
I don’t see any additional charges anywhere having glanced through the documents.
Comparison was done through MoneySupermarket compare across all 3 products.
I did only briefly look, and wouldn’t commit to anything I’m not confident in, so the above was rough quotes.
Phone cover was Mobile Phone Insurance Direct - haven’t checked their terms out.
I only have FlexPlus for the family travel insurance (don’t have a car, phones already covered by home contents insurance). At £13/month it was worth paying for the lack of hassle doing individual trip insurance. At an extra £69/year I will shop around and probably downgrade to standard FlexAccount.
It’s still one of the cheapest, full cover options. Lloyds Silver and Virgin Club M both have more limited travel insurance and breakdown. Co-Op is the only one that is a bit cheaper at £15, it is with RAC and they have been terrible when I’ve called them out twice.
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Thanks that’s real helpful. I’m thinking of ditching my packaged account, so will check them out if I do.
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It appears Virgin’s Club M roadside insurance includes onward travel:
If your vehicle can’t be repaired that day, Green Flag
can take you, your vehicle and your passengers to
a single destination in the UK or you can choose
between a hire car, another way there or overnight
accommodation.
This might be a winner for me.
Think the main caveat was you pay upfront and then claim it back, so who knows what they are like for that.
But being an insurance company the ombudsman is there for any disputes.
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Worth noting though that as Nationwide are buying Virgin, they will be equalising the terms at some point.
You’d need a crystal ball to be sure of that. Many possibilities, including the one you suggest.