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What membership means

Membership is at the heart of what makes us a good way to bank.

We always put our members first with exclusive products, rates and rewards. To become a member, simply bank, save or have a mortgage with us.

Discover the benefits of joining Nationwide.

Exclusive member benefits

  1. A share of our profits

    The Nationwide Fairer Share Payment is our way of rewarding eligible members. We want to give something back to those who trust us with their every day financial needs.

  2. Member-only products

    We have a range of products we keep just for our members. They include savings accounts, credit cards and loans.

  3. Free SavingsWatch alerts

    Register for SavingsWatch to stay up to date with interest rate changes. And get alerts about improvements to your account's features.

  4. Good mortgage deals when you switch

    Looking for a new mortgage? Existing mortgage members who want to switch get rates as good as, or better than, those available to new customers remortgaging to us.

  5. A chance to be heard

    Members are able to vote on certain topics and ask the board questions, through our Annual General Meetings (AGM).

  6. Our Branch Promise

    We know branches are important. So, every one of our branches will remain open until at least the start of 2028. That's our Branch Promise.

5.5% AER/gross a year (fixed) on your savings

Our new Member Exclusive Bond pays 5.5% AER/gross a year (fixed) for 18 months on balances up to £10,000.

Only available for existing members. And for a limited time.

Get the Member Exclusive Bond

Get £200 when you switch your current account to us

Qualifying members could get £200 when you switch your main current account to us

Switch online to a new or existing Nationwide current account. Our student, children’s and basic bank account do not qualify. Terms apply.

Our member switch offer

What makes you a member

You're a Nationwide member if you have any of these products:

The following products do not make you a member:

  • Personal loan
  • Credit card
  • Investments
  • Business savings account if you are a company, charity or trustee
  • Products from our subsidiaries (such as The Mortgage Works)

Why we're different

We’re not a bank. We’re a modern mutual. This means we are owned by our members, and think about profit differently.

That's why we donate at least 1% of our pre-tax profit to charitable causes. Including through our new social impact programme Nationwide Fairer Futures, which will help those who have been dealt an unfair hand.

Learn about our social impact

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