Also known as: Nationwide
Nationwide Building Society is the largest building society in the world and one of the UK's biggest mortgage lenders. Unlike a bank, it is a mutual organisation owned by its members — meaning its customers, rather than shareholders, are technically the owners.
Nationwide offers a wide range of financial products including current accounts, savings accounts, mortgages, personal loans, and credit cards. It is particularly well known for its savings rates and its mortgages. It also acquired Virgin Money UK in 2024, extending its reach significantly.
As a mutual, Nationwide often highlights that it does not need to pay dividends to shareholders, which it says allows it to offer competitive rates and reinvest in its members. It has a branch network across the UK as well as online and mobile banking services.
If you are a Nationwide member and need to get in touch, you can visit a branch, call their main customer service line, or use online or app banking. Their registered address is Nationwide House, Pipers Way, Swindon, SN38 1NW. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 per person under the FSCS.
If you are struggling with a Nationwide mortgage, loan, or debt, free help is available from StepChange, National Debtline, or Citizens Advice. You do not need to pay for debt advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Nationwide Building Society’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal current accounts; savings accounts; mortgages; personal loans; credit cards; home insurance; FlexAccount; FlexPlus; ISAs
Trading names and group notes
Mutual — no external parent. Acquired Virgin Money UK PLC (09595911) in October 2024. Banking business of Virgin Money UK PLC and Clydesdale Bank PLC legally transferred to Nationwide via Part VII of FSMA 2000 on 2 April 2026, following court approval 23 February 2026. Virgin Money brand retained for some products. Combined group approximately 18 million members.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
2.0
8308 reviews
App Store
4.8
Google Play
4.6
Other review sources
Which? Customer Score: 73% (among top-rated UK banks); Smart Money People: 4.1/5; Which? Recommended Provider historically; FSCS protected deposits up to £85,000
Overall public sentiment
Contradictory signals. Trustpilot 2.0/5 (Poor) contrasts with strong Which? scores (73%) and high app store ratings. Trustpilot reviews trend negative (account access issues, mortgage delays). Which? satisfaction surveys consistently rank Nationwide among UK best banks for customer service.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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