A Comprehensive Guide: How to Contact Nationwide by Phone in the UK (Absolutely Free!)
Have you ever found yourself staring at your phone, wondering which number to dial for your bank, and if it's even going to cost you a fortune? We've all been there! When it comes to something as important as your finances, you want to get through to the right person, quickly and without racking up a bill. This lengthy guide will walk you through exactly how to contact Nationwide by phone in the UK, ensuring your calls are free and your queries are handled efficiently.
Step 1: Pinpointing Your Needs – What's Your Nationwide Query?
Before you even touch your phone, take a moment to think about why you're calling. Nationwide has different phone numbers for different services, and knowing what you need will save you a lot of time and frustration. Are you:
- Reporting a lost or stolen card? This is a top priority!
- Checking your current account balance or making a payment?
- Discussing a mortgage application or an existing mortgage?
- Enquiring about a savings account or ISA?
- Looking for help with a personal loan?
- Reporting fraud or a scam? Another urgent matter!
- Making a complaint?
- General enquiries?
Once you have a clear idea of your purpose, you're ready to proceed!
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| How To Contact Nationwide By Phone Uk Free |
Step 2: Unveiling the Free Phone Numbers – Your Direct Line to Nationwide
Nationwide offers several freephone numbers (starting with 0800) for specific services, as well as 0345 numbers which are charged at a local rate or are free if you have inclusive minutes on your mobile or landline plan. This means for most people, calling Nationwide will indeed be free.
QuickTip: Read section by section for better flow.
Sub-heading: Emergency & Fraud – Act Fast!
If you're dealing with a lost or stolen card or suspected fraud, these are the numbers you need to dial immediately. They are available 24 hours a day, 7 days a week.
- Lost or Stolen Cards & General Fraud Reporting (Current Accounts & Savings): 0800 055 66 22
- From abroad: +44 1793 65 67 89
- Credit Card Fraud (specifically): 0800 055 66 22 (same as above, they will direct you)
- From abroad (Credit Card Fraud): +44 2476 43 89 97
- To check if a call from Nationwide is genuine (Stop and Call 159): 159
- This is a secure, memorable number that will put you straight through to your bank if you have any doubts about who you're speaking to. Available 24 hours a day, 7 days a week.
Sub-heading: Current Account Enquiries – Your Day-to-Day Banking
Different current account types might have slightly different dedicated lines. Make sure you check which applies to you.
- FlexAccount, FlexOne, FlexStudent, FlexGraduate, FlexBasic (General Enquiries): 03457 30 20 11
- Opening Hours: Monday to Saturday and bank holidays, 8am to 8pm. Sundays, 9am to 5pm.
- From abroad: +44 1793 65 67 89
- FlexDirect (General Enquiries): 03456 07 73 57
- Opening Hours: Monday to Saturday, 8am to 8pm. Sundays, 9am to 5pm. Bank holidays, 8am to 8pm.
- From abroad: +44 1793 65 67 89
- FlexPlus (General Enquiries): 0800 11 88 55
- Opening Hours: Monday to Saturday, 8am to 8pm. Sundays, 9am to 5pm. Bank holidays, 8am to 8pm.
- From abroad: +44 1793 54 12 00
Sub-heading: Savings & ISAs – Growing Your Money
- General Savings and ISA Enquiries: 03457 30 20 11
- Opening Hours: Monday to Friday, 8am to 6pm. Saturday, 8am to 6pm. Sunday, 9am to 5pm.
- From abroad: +44 1793 65 67 89
Sub-heading: Mortgages – Your Home Loan Queries
- Existing Mortgage Enquiries: 03457 30 20 10
- Opening Hours: Monday to Friday, 8am to 6pm. Saturday 8.30am to 4pm. Closed Sundays and bank holidays.
- Concerned about paying your mortgage (Money Worries): 0800 464 30 30
- Opening Hours: Monday to Friday, 8am to 6pm. Saturdays 9am to 12pm. Closed Sundays and bank holidays.
- Lifetime Mortgages (for over 55s): 0800 464 0813
- Opening Hours: Monday to Friday, 9am to 5pm. Closed Saturdays, Sundays and bank holidays.
Sub-heading: Personal Loans – Borrowing Support
- Existing Loan Enquiries: 03457 30 20 11
- Opening Hours: Monday to Friday, 8am to 6pm. Saturdays, 9am to 2pm. Closed Sundays and bank holidays.
Sub-heading: Credit Cards – Managing Your Card
- Credit Card General Enquiries & Cancelling/Closing: 03456 00 66 11
- Opening Hours: Monday to Saturday, 8am to 8pm. Sundays and bank holidays, 9am to 5pm.
- From abroad: +44 2476 43 89 97
Sub-heading: Complaints – If Something's Gone Wrong
- Making a Complaint (General): 0800 30 20 15
- Opening Hours: Refer to the general enquiry lines for the relevant product if you wish to call a specific department first. This 0800 number is generally for their complaints team.
Sub-heading: Relay UK – For Hearing and Speech Impaired Customers
- If you struggle to use the phone, you can use Relay UK. You'll need the Relay UK app or a textphone. Dial 18001 followed by the Nationwide number you want to call.
Step 3: Preparing for Your Call – Maximising Efficiency
A little preparation can make a big difference to how smoothly your call goes.
QuickTip: Skim for bold or italicized words.
- Gather Your Details: Have your account number, sort code, debit card (if relevant), and any other pertinent information readily available. This will include your personal details like full name, address, and date of birth for security checks.
- Know Your PIN (but don't say it aloud!): You might be asked to input parts of your PIN or security questions.
- Be Clear and Concise: Know exactly what you want to ask or what issue you need resolved. Jot down a few bullet points if it helps.
- Have Pen and Paper Ready: You might need to note down reference numbers, names of advisors, or further instructions.
- Find a Quiet Place: This will help you hear the advisor clearly and avoid distractions.
Step 4: Navigating the Automated System – The Key to a Human!
Most large organisations like Nationwide use automated phone systems (IVR - Interactive Voice Response) to direct calls.
- Listen Carefully: Don't press numbers immediately. Listen to all the options before selecting the one that best fits your query.
- Speak Clearly (if voice activated): If the system uses voice recognition, speak slowly and clearly.
- Be Patient: Sometimes, getting to a human representative requires navigating through a few layers of options. If you're struggling to find the right option, try selecting "other enquiries" or "speak to an advisor" if available.
Step 5: Speaking to a Nationwide Advisor – Getting Your Issue Resolved
Once you're connected to a human, here's how to ensure a productive conversation:
- Confirm Your Identity: The advisor will need to verify who you are for security reasons. Provide the requested information accurately.
- State Your Purpose Clearly: Begin by stating why you are calling in a clear and concise manner.
- Be Polite and Respectful: A calm and courteous approach will always yield better results.
- Ask for Clarification: If you don't understand something, don't hesitate to ask the advisor to explain it again.
- Take Notes: As mentioned earlier, jot down key information like names, reference numbers, and any actions you need to take.
- Confirm Next Steps: Before ending the call, always confirm what the next steps are, who will be doing what, and by when.
Step 6: After the Call – Following Up (If Necessary)
- Review Your Notes: Go over what was discussed and confirm you have all the information you need.
- Follow Through: If there are actions you need to take, do them promptly.
- Keep Records: Store any reference numbers or documentation securely. This can be invaluable if you need to call Nationwide about the same issue again in the future.
10 Related FAQ Questions
How to check my Nationwide current account balance by phone?
You can call the general enquiries number for your specific current account type (e.g., 03457 30 20 11 for FlexAccount) and follow the prompts to check your balance, or use their Internet Banking or Banking App.
Tip: Watch for summary phrases — they give the gist.
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How to report a lost or stolen Nationwide credit card for free?
Immediately call the dedicated 24/7 freephone number: 0800 055 66 22.
How to apply for a Nationwide mortgage over the phone?
While you can discuss mortgages and make initial enquiries on their main mortgage line (03457 30 20 10), it's often recommended to book an appointment with a mortgage advisor online or in branch for a full application.
How to find my Nationwide customer number if I don't have online banking?
If you don't have the Banking App or a current account, you can call 03457 30 20 11 (UK) or +44 1793 65 67 89 (abroad) to retrieve your customer number.
Tip: Absorb, don’t just glance.
How to speak to a human at Nationwide via phone?
Listen carefully to the automated menu options. Often, selecting "other enquiries" or patiently waiting through the options will eventually lead to an option to "speak to an advisor."
How to contact Nationwide about a suspicious call or message?
If you have doubts about a call, hang up and dial 159 (a secure, free number) to be connected directly to Nationwide. For suspicious emails, forward them to phishing@nationwide.co.uk. For suspicious texts, forward them to 7726.
How to enquire about a Nationwide savings account interest rate by phone?
You can call the general savings and ISA enquiries number: 03457 30 20 11.
How to complain to Nationwide by phone for free?
You can typically initiate a complaint by calling the general complaints line on 0800 30 20 15, or by calling the relevant department's general enquiry number for your product.
How to contact Nationwide from outside the UK without incurring high call charges?
For many services, Nationwide provides international numbers beginning with +44. These will be charged at international rates by your phone provider, but you may be able to use internet-based calling apps (like WhatsApp calling or Skype) with a UK number if you have a data plan or Wi-Fi, which can be cheaper.
How to use Relay UK to contact Nationwide for free?
If you have the Relay UK app or a textphone, dial 18001 followed by the standard Nationwide phone number you wish to call. This service converts text to speech and speech to text for those who need it.
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