Nationwide Flex Account (Merged)

localshop

pinkonion wrote:

Actually Cirrus

As I've used my Flexcard abroad I can confirm you certainly can. It's handy to carry just a few Euros or whatever currency around in the knowledge you can get more whenever without whopping great charges :T

Me too - France and Barbados

ioscorpio

Called into the branch today, receptionist said that the Cash Card does not have an overdraft facility on it and that you cannot go overdrawn when withdrawing cash whether in UK or abroad, but you can go overdrawn if the Nationwide issue any charges e.g. insufficient funds to pay direct debits.

jimmyjim_uk

I have now received my Flex Account card and it is a Visa debit card. Obviously I can use it where I see the Visa sign. Does that mean when drawing cash out abroad I will receive the Visa exchange rate?

Also my card does not have a cirrus sign on it, am I worst off having a visa debit card than just a cash card with cirrus sign when using in Europe for drawing out cash?

Any responses much appreciated.

Speculator

Commission free withdrawals and yes, you get the proper VISA rate & Not the crappy Tourist rate.

grumbler

jimmyjim_uk wrote:

I have now received my Flex Account card and it is a Visa debit card. Obviously I can use it where I see the Visa sign. Does that mean when drawing cash out abroad I will receive the Visa exchange rate?

Yes. However, there is a probability to be charged by a local owner of the ATM - the same as here in UK.

Nationwide CashCard + local charges

Also my card does not have a cirrus sign on it, am I worst off having a visa debit card than just a cash card with cirrus sign when using in Europe for drawing out cash?

Their debit card is Visa, cash card is Cirrus. There is no difference between them for withdrawing cash.
However, when using debit (or credit) card for purchases, especially in Spain, be aware about a new 'scam':

Something interesting on nationwide.co.uk

'Visa exchange rate information '

jimmyjim_uk

Thanks grumbler

Foxy_Flo

Noticed in last weeks Independent that Nationwide are the only bank or building society that do not make charges when you use your bank card abroad. I am therefore transferring my account.

babylon

Has anyone had an experience of depositing cash into a nationwide flex account in the UK only to find that it is not immediately availible for withdrawl.

I deposited some cash for the wife who is abroad and needed some emergency money, she is using a Nationwide flex account Cashcard (Cirrus ) in another country.
All the ATMs she has tried have told her to contact her own bank.

Normally, when I have done this before, she can take the money within minutes.

Is there a delay updating the foreign ATMs?or maybe it is because I deposited the money on a weekend.

Regards

Woby_Tide

most likely the fact it's a weekend though if you deposited it in a branch am a bit surprised it wasn't immediate

M_Thomson

babylon wrote:

Has anyone had an experience of depositing cash into a nationwide flex account in the UK only to find that it is not immediately availible for withdrawl.

I deposited some cash for the wife who is abroad and needed some emergency money, she is using a Nationwide flex account Cashcard (Cirrus ) in another country.
All the ATMs she has tried have told her to contact her own bank.

Normally, when I have done this before, she can take the money within minutes.

Is there a delay updating the foreign ATMs?or maybe it is because I deposited the money on a weekend.

Regards

Maybe the connection to Nationwide was down at the time she tried to do the withdrawal.