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nationwide current account

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8y, 6m agoPosted 8 years, 6 months ago
I was thinking about getting a nationwide current account, i only want it so i can withdraw cash while im abroad, i keep hearing that this is the best way. I already have a student account with another bank so i have two quick questions.

Is this allowed? is this a good idea?
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8y, 6m agoPosted 8 years, 6 months ago
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1 Like #1
Yes x 2
#2
as simple as that ey? ill get applying. Thanks
1 Like #3
see if you can get any special offers - cinema tickets - 20 pound in your account or similiar - im sure they do -
1 Like #4
I have a Nationwide account, and thats all i use it for (withdrawing cash abroad)
I would recommend it 100%
1 Like #5
kirstyanderson
I have a Nationwide account, and thats all i use it for (withdrawing cash abroad)
I would recommend it 100%


Agreed!
#6
guerilla
as simple as that ey? ill get applying. Thanks


lol I was trying to think of something smart to add but there wasn't anything !

Simple answer was yes ! :thumbsup::-D
1 Like #7
yes, as far as i know nationwide is the only bank that doesn't charge for withdrawing abroad.
also, their credit card has no foreign transaction fee.
banned 1 Like #8
thanks for the reminder. will open one now for upcoming holiday :)
banned#9
On second thoughts, I wont bother as you now have to assign away any member profits to charity if the building society becomes a bank. The Abbey do a better card I believe now anyway
#10
I have a nationwide account for holidays only. Definately the best one to have for travelling
#11
csiman
On second thoughts, I wont bother as you now have to assign away any member profits to charity if the building society becomes a bank. The Abbey do a better card I believe now anyway




'THE SHABBY NATIONAL'

if nw does go plc you will be giving a donation to charity - :-D
banned#12
holly100;2131726
'THE SHABBY NATIONAL'

if nw does go plc you will be giving a donation to charity - :-D

No I wont as I havent taken the new account out. I still have a cashbuilder account with £100 in it from about 10 years ago. This conveys full membership status with any proceeds of conversion being paid to me and me only.

Thats why I cant take out anymore NW products as they insist you must give up your rights to any proceeds. Stops the carpetbaggers ;-)
#13
You can open one that has either a debit card or just a cash card. Either will enable you to get money from ATMs at home or abroad but the cash card requires fewer credit checks.
#14
at the end of the application is said they can offer me a cash card. im confused i was applying for a current account have i done the right one?
1 Like #15
guerilla
at the end of the application is said they can offer me a cash card. im confused i was applying for a current account have i done the right one?


yeah i think so. it just means that they offering you an account with a cash card rather than a debit card. ie a bank card just for withdrawing cash rather than a card with maestro/switch facilities
#16
but it will still be free to withdraw cash while abroad. thats all i was after really
1 Like #17
guerilla
but it will still be free to withdraw cash while abroad. thats all i was after really


Yes
#18
thanks, ill just wait for the forms then.
#19
I have just done the same thing, i wanted a card to use in spain next month so i applied and they said i can have a cash card at the end. I hope this is the right one for free withdrawals lol.
banned#20
WARNING:-

You will lose any assigned member rights to conversion profits if you take out a new nationwide account and are already a member.
#21
guerilla
at the end of the application is said they can offer me a cash card. im confused i was applying for a current account have i done the right one?


as doberman says, this will still work for you abroad.

i also opened a nationwide current a/c as a second a/c for just this purpose. (But I got a debit card - Na na na na naaaa naaaa :p)
#22
well im a student so they probably didnt think i was important enough to have a debit card, if i buy anything while abroad i'd use my credit card anyway, someone told me one time this was better. were they lying?
#23
guerilla
at the end of the application is said they can offer me a cash card. im confused i was applying for a current account have i done the right one?

this means your credit raing isn't high enough
nationwide offer the strictest credit scroring around
#24
is having a low credit rating the same as having a bad one? bar my cc which is attached to my student account i dont have any other credit, and this is always paid off in full, i only use it to buy things from the internet or when im abroad as i thought it offered greater protection
#25
guerilla
well im a student so they probably didnt think i was important enough to have a debit card, if i buy anything while abroad i'd use my credit card anyway, someone told me one time this was better. were they lying?


yes, I know you are a student - only teasing - if your credit card is nationwide then you have the same deal (no charges for purchases but charges for cash advances). I'm not aware of any other c/cards that offer this, so perhaps apply for one at nationwide too? I applied for mine about a month after the current account. Good backup to have for foreign purchases :thumbsup:
1 Like #26
guerilla
is having a low credit rating the same as having a bad one? bar my cc which is attached to my student account i dont have any other credit, and this is always paid off in full, i only use it to buy things from the internet or when im abroad as i thought it offered greater protection


no, they are different. Your low rating is based on your status/income etc. If you haven't defaulted on payments etc then you won't have a bad rating. In the former case, lenders might offer you a card with a low limit, in the latter they wouldn't want to deal with you at all...
1 Like #27
good was a bit worried there

ps have i mentioned i was a student before? or are you in fact stalking me? */looks around for a man reading books with big words in them
1 Like #28
guerilla
is having a low credit rating the same as having a bad one? bar my cc which is attached to my student account i dont have any other credit, and this is always paid off in full, i only use it to buy things from the internet or when im abroad as i thought it offered greater protection


well its not really tghe same
they jsut dopne know much about you
for a start get on the registrar so apply at the council if you are not
#29
guerilla
good was a bit worried there

ps have i mentioned i was a student before? or are you in fact stalking me? */looks around for a man reading books with big words in them


Yes, you've mentioned it, and yes, I'm stalking you :p Look to the right: I'm the one pretending to read the Guardian. If you squint you'll notice I've cut two small peep-holes in the paper.
#30
Is this the flex account ?
#31
yep, (i think) why?
#32
everything i have seen on the nationwide site says you can make free withdrawals abroad using your debit or credit card. It does not say anything about a cash card so i may pop in and ask later
#33
guerilla
yep, (i think) why?


Just checking as i have just applied for one going abroad in July and my Bank TSB charges also got the debit card.
#34
I asked about the cashcard account and they said you can use them abroad but only where you see the cirrus sign
banned#35
mattb_1987
everything i have seen on the nationwide site says you can make free withdrawals abroad using your debit or credit card. It does not say anything about a cash card so i may pop in and ask later


Used my cash card all round Europe no problems :thumbsup: they wouldn't give me a debit card either even though I've got an A+ credit score with Lloyds
(it's true I saw it on the screen :oops:) been with them 12 years, got current, online saver, monthly saver, ISA, debit, credit, cash, cheque but mortgage with another bank.
#36
[FONT=Arial]I also applied for a nationwide account and was offered a debit card. Using as a second account for my visit to the states.

What's the maximum you can withdraw from an ATM abroad using the debit card and don't you get charged by US banks for using the ATM's?

Thanks[/FONT]

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