Small sample size but I have contacted them twice since opening the account and they were excellent both times.
Took a few days for my son to get his details in the post.
I keep it because it’s my oldest account and my children’s savings are also there. I’ll try and fulfil the requirements for the bonus this year but otherwise don’t use it much.
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I’ve been with Nationwide since 1988, when they were the Nationwide Anglia. I’ve only ever rung them once and they were fine. The service in branch has been fine too, but I’ve not had to go in for years so I can’t say what the service is like these days.
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When we tried to open accounts for my children (aged 11 & 13 at the time) it was like stepping back to the dark ages. Everything in branch & on paper, a three month (that’s three, I kid you not) waiting time for a face-to-face appointment out of school hours to confirm that the children existed as documented. I gave up.
Tried again earlier this year now they are 13 & 15 and it seems that systems have improved. Took minutes online for both. I’d expected it for the older one, but the younger one was the same age as we’d had trouble with before so I was braced… Impressive. And that’s been my experience of them using an adult account - that they are slowly dragging themselves into the modern age. I’m even considering moving our mortgage to them next year.
I have no experience of online customer service though, so can’t comment on that.
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You are doing well, Jared. I wish my (teenage) kids have the same interest, curiosity, knowledge, in financial literacy, in money savings, as you.
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Do you worry that they will end up spending all day locked in their rooms on the phone to customer services?
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Just because I know lots here are fascinated by quirks in accounts - a Revolut Savings Account does actually pay interest daily. Slightly surreal, but they literally add it close of business each day. First and only example I know.
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Visit to branch
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My old trading212 ISA would pay interest daily and send a notification for it every time.
I would say internet 1st then app after but you could always try setting up app 1st and see what happens
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I’m sure I did mine via the app first, and neither of my children have ever logged in via the web. I don’t think it matters.
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I went into the branch and got treated really nicely
I guess the type of person likely to want a savings account card are also the kind of person to open an account in branch?
Yes, because you can only use the card in their ATMs which, I think, are only in their branches.
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Me too!
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I’d forgotten about the flexplus fee increase. Maybe time to downgrade.
The dates correct on mine
It depends on whether what they provide can be found better and cheaper elsewhere.
For me, the family mobile insurance is what keeps me signed up. Lots of other banks cover the other offerings but few do family mobile insurance, most only cover the account holder.
NatWest Reward Silver joint accounts covers both account holders for £10/m - good if you don’t have kids/kids don’t have phones yet.
Can see the value in FlexPlus if you do need more than 2 family members phones covered though.