Nationwide 5% cashback on supermarket spending

35har1old

k_man said:

GalacticaActual said:

So far, I have used my NW Visa Debit Card at a Tesco Express and Morrisons.

Today I have used the M&S Scan & Shop app and paid for items, from the food hall, via Apple Pay in-app. This appears as “M&S Outlet” in Apple Wallet.

Having used the M&S app previously, with my Halifax Visa Debit Card, it showed on my Halifax bank statement as M&S Scan & Shop and categorised as Grocery Stores, Supermarkets (see screenshot below). Whether Nationwide categorise M&S purchases as a grocery store/supermarket remains to be seen.

Hopefully I will receive a text message from Nationwide advising me on the cashback earned to date as I have an Asda groceries order being delivered tomorrow for approximately £75 - Asda claim the full amount the day before delivery (initially shown as pending) and any items missing on the day get credited back to your debit card 3-5 days later. 


HALIFAX VISA DEBIT CARD TRANSACTION AT M&S FOOD HALL, VIA THE M&S SCAN & SHOP APP:

Do Nationwide send messages confirming cashback?

It appears when they make a payment and have you mobile number they let you no within 6 weeks after the end of month

GalacticaActual

A notification banner showed up in my Nationwide app this morning which shows the dates the cashback will be credited, which are as per the post by @Descrabled on the previous page:

inkydolphin

where_are_we said:

Would someone please confirm I will get 5% cashback on each of two current accounts in the same name.

I just asked on the webchat and they said yes. I have two joint flex direct accounts so should be max £40 per month

dealyboy

inkydolphin said:

where_are_we said:

Would someone please confirm I will get 5% cashback on each of two current accounts in the same name.

I just asked on the webchat and they said yes. I have two joint flex direct accounts so should be max £40 per month

... how did you manage that? I thought it was max 1 single and 1 joint

inkydolphin

dealyboy said:

inkydolphin said:

where_are_we said:

Would someone please confirm I will get 5% cashback on each of two current accounts in the same name.

I just asked on the webchat and they said yes. I have two joint flex direct accounts so should be max £40 per month

... how did you manage that? I thought it was max 1 single and 1 joint

Had the accounts for a number of years - I presume rules were different back then.

Yorkshire_Pud

I’ve used my Flexaccount to buy Tesco own brand Gift Card in store and used it to buy petrol in Tesco petrol station, it did freak the cashier out a bit and was told sometimes they work sometimes they don’t. 

Bought Waitrose GC. 

Topped up Iceland bonus card, every £20 put on the card gets a free £1 added from Iceland. 

Used card in M&S food hall by mistake as I don’t think they are in the scheme so later replaced that amount in my NBS account to keep it straight.

I put £220 in my NBS account on 1st of the month then I know exactly how much I need to spend to get £10 without boring adding up as only use it for the promotion, with £20 cushion so don’t go OD.

Having to wait 6 weeks after the end of the month in question to find out what qualifies and what doesn’t is quite clever of Nationwide as it encourages you to overspend as is the “I wonder if M&S food hall counts as a supermarket’ type confusion.

And at the end of all this I could be a whole £30 better off! Quite like it nevertheless 😊 

savergrant

inkydolphin said:

dealyboy said:

inkydolphin said:

where_are_we said:

Would someone please confirm I will get 5% cashback on each of two current accounts in the same name.

I just asked on the webchat and they said yes. I have two joint flex direct accounts so should be max £40 per month

... how did you manage that? I thought it was max 1 single and 1 joint

Had the accounts for a number of years - I presume rules were different back then.

I don't think nationwide limit the number of accounts you can have (OH and I already had joint flexaccount and flexdirect when we opened a new joint and sole account each last november) but there are limits on how many flexdirects can qualify for interest. That might be what you are thinking of.

dealyboy

savergrant said:

inkydolphin said:

dealyboy said:

inkydolphin said:

where_are_we said:

Would someone please confirm I will get 5% cashback on each of two current accounts in the same name.

I just asked on the webchat and they said yes. I have two joint flex direct accounts so should be max £40 per month

... how did you manage that? I thought it was max 1 single and 1 joint

Had the accounts for a number of years - I presume rules were different back then.

I don't think nationwide limit the number of accounts you can have (OH and I already had joint flexaccount and flexdirect when we opened a new joint and sole account each last november) but there are limits on how many flexdirects can qualify for interest. That might be what you are thinking of.

Sorry, I know this is slightly off topic, but started as obtaining 5% cashback on more than 1 account to asking whether one can get 5% credit interest on more than 1 account.

... Right I've looked into this, searched the website, read the product terms pages and the T&Cs, googled for references to multiple or more than 1 FlexDirect accounts. I must declare that I have 1 sole FlexDirect and 1 FlexAccount (did have 3).

1. "hold no more than 4 existing sole or joint Nationwide current accounts"
2. "If you’ve had a FlexDirect current account before, you won’t receive the 12 month credit interest offer or the interest-free overdraft offer again. However, you will get the offer on a new joint account, as long as you have not shared a FlexDirect account with that person before."

I cannot find any reference to being limited to 1 sole and 1 joint account FlexDirect from Nationwide, but I can see that being mentioned on a couple of blogs, so it seems to me that one can have up to 4 FlexDirects (checks permitting).

1 can be a sole account and 3 (or 4) can be joint accounts with different (binary) partners ... have fun 

RG2015

dealyboy said:

savergrant said:

inkydolphin said:

dealyboy said:

inkydolphin said:

where_are_we said:

Would someone please confirm I will get 5% cashback on each of two current accounts in the same name.

I just asked on the webchat and they said yes. I have two joint flex direct accounts so should be max £40 per month

... how did you manage that? I thought it was max 1 single and 1 joint

Had the accounts for a number of years - I presume rules were different back then.

I don't think nationwide limit the number of accounts you can have (OH and I already had joint flexaccount and flexdirect when we opened a new joint and sole account each last november) but there are limits on how many flexdirects can qualify for interest. That might be what you are thinking of.

Sorry, I know this is slightly off topic, but started as obtaining 5% cashback on more than 1 account to asking whether one can get 5% credit interest on more than 1 account.

... Right I've looked into this, searched the website, read the product terms pages and the T&Cs, googled for references to multiple or more than 1 FlexDirect accounts. I must declare that I have 1 sole FlexDirect and 1 FlexAccount (did have 3).

1. "hold no more than 4 existing sole or joint Nationwide current accounts"
2. "If you’ve had a FlexDirect current account before, you won’t receive the 12 month credit interest offer or the interest-free overdraft offer again. However, you will get the offer on a new joint account, as long as you have not shared a FlexDirect account with that person before."

I cannot find any reference to being limited to 1 sole and 1 joint account FlexDirect from Nationwide, but I can see that being mentioned on a couple of blogs, so it seems to me that one can have up to 4 FlexDirects (checks permitting).

1 can be a sole account and 3 (or 4) can be joint accounts with different (binary) partners ... have fun 

I am sure this is not what Nationwide intended so it would be a loophole.

Virgin Money had a loophole that allowed people to open dozens of accounts paying 1% on up to £1,000. They eventually closed off that loophole.

ircE

Slightly off-topic: for all the people who've been complaining about B&M, note they accept AmEx (which has various cashback cards) and AmEx currently has an offer of £5 off of £20 purchases at B&M.