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Offer review · Live

Nationwide £175 switching offer 2026

A low bar to clear, with one of the shortest qualifying windows around. Here's exactly what's involved.

Updated 01 November 2026 · 6 min read
The short answer

£175 if you switch two Direct Debits, pay in £1,000 and make one card payment within 31 days.

Nationwide has no fixed end date, but it can withdraw the offer at any time. The 31-day clock starts when your switch goes through.

Go to Nationwide's offer →Or see all the live switching offers
Affiliate disclosure: links to Nationwide on this page may earn us a commission. Full disclosure →

How the offer works

  • Bonus: £175 cash
  • Account: a Nationwide current account, such as FlexAccount or FlexPlus
  • Runs: for a limited time, with no end date stated and the right to withdraw at any time
  • Window: 31 days from switching
  1. Apply for a Nationwide current accountOnline, in the app or in branch.
  2. Request a full CASS switchIt completes within 28 days and must move 2 active Direct Debits.
  3. Pay in £1,000 and make a card paymentBoth within 31 days of switching.
  4. Nationwide pays the £175Automatically once the conditions are confirmed met. There's no separate claim step.
The 31-day window is the thing to watch. Most offers give you 45 to 60 days. Nationwide gives you 31, and the switch itself can take up to 28 days. Have your pay-in ready and use your new debit card promptly once the account is live.

Who can claim it?

You can claim if

  • You complete a full CASS switch
  • Two active Direct Debits move across
  • You pay in £1,000 within 31 days of switching
  • You make at least one card payment within 31 days

You can't claim if

  • You've held a Nationwide current account before
  • You've held a Virgin Money current account before (Nationwide acquired Virgin Money)
  • You've already had a Nationwide switching incentive

Nationwide, NatWest or HSBC first?

All three are separate banking groups, so a bonus from one doesn't affect your eligibility for the others.

Do Nationwide early if

  • You're comfortable moving quickly
  • You'd rather act promptly than leave conditions to the end of the window

Consider instead

  • NatWest: no Direct Debits needed, a longer 60-day window
  • HSBC: pays £220 but needs a £2,000 pay-in and £500 card spend

If you're a BeSwitchReady member

Your two BeSwitchReady Bacs Direct Debits are designed to meet Nationwide's requirement to move 2 active Direct Debits via CASS. Check Nationwide's current terms, and remember the 31-day clock starts as soon as your switch goes through.

Once your bonus lands

Make it work harder. Our guide to what to do with your switching bonus covers everything from investing platforms to travel cards.

Stay ahead

Hear about deadlines first

Members get new offers, boosts and ending dates by email, so you can plan the order without watching the news yourself.

Two Direct Debits£0.99 each, £1.98 a month in total.
Offer alerts firstNew offers, boosts and ending dates, by email.
Your best next switchA monthly pick, with the order to do things in.
Cancel any timeThrough your bank, no minimum term.
Join BeSwitchReady — £1.98/month → Bank terms always take precedence over our guidance. Check the live offers

Frequently asked questions

How much does Nationwide pay for switching?

£175 cash on a Nationwide current account such as FlexAccount or FlexPlus, if you meet the conditions.

How long do I have to meet the conditions?

31 days from switching, which is shorter than most banks' 45 to 60 day windows. The switch itself can take up to 28 days to complete, so have your £1,000 pay-in ready and use your new debit card promptly.

Who can't claim the Nationwide offer?

Anyone who has held a Nationwide or Virgin Money current account before, or has already received a Nationwide switching incentive.

Is the Nationwide offer worth it?

Yes, particularly for the simplicity: two Direct Debits, a £1,000 pay-in and one card payment is a lower bar than most offers. The main thing to plan around is the 31-day window.

Claim the Nationwide £175 offer

No fixed deadline, but a short 31-day qualifying window. Check Nationwide's terms before you apply.

Apply for Nationwide →

This is general information, not financial advice. Always check current terms at nationwide.co.uk before applying, as bonus amounts and eligibility criteria may change. Links to Nationwide on this page may earn BeSwitchReady a commission. BeSwitchReady is a paid membership service that sets up Direct Debits.