Best In-Credit Interest
Building society current account with competitive in-credit interest and free overdraft for 12 months. Nationwide consistently rates well for trust and service.
Nationwide is the UK's largest building society, owned by its members, and FlexDirect has long been one of the more rewarding mainstream current accounts.
Its appeal has been a high in-credit interest rate paired with member benefits, alongside an actual branch network — increasingly rare among accounts that pay anything.
Who it suits. People who keep a meaningful balance in their current account, and anyone who wants both digital banking and physical branches.
Worth knowing. The headline in-credit rate has historically applied only for the first twelve months and only up to a balance cap, reverting afterwards. Check both the cap and the duration, and set a reminder for the anniversary. Minimum monthly funding requirements usually apply.