Yes, I've been with them a few years now. As I cannot update my Qype review, here's a new one. I like Nationwide because they're not sharks like HSBC or The Royal Bank of Scotland who used to keep ringing me up and trying to get me to buy additional products. Nationwide leave me in peace.
I like the fact that they employ British staff in a UK based call-centre and it's open 24 hours a day. I have no overdraft upon my own instructions but pay no fee and receive free European travel insurance which I was able to claim on once. On the very rare occasions I've gone overdrawn, I've asked sweetly and they've refunded the charge (although there is a slight buffer zone for below zero balances now anyway). I cannot transfer money over the phone from my Nationwide Current Account to my Nationwide saver account but I don't mind. Being left alone is worth its weight in gold.
The only time my visa debit card was rejected was in the Caribbean after I'd successfully made a card payment in a restaurant in Cartagena, Colombia. This is the only time it hasn't worked abroad.
Nationwide have branches in most High Streets and I really like them.
Update February 2016//Downgraded to 2 stars for the following reason. I know one can't expect everything to please one in life but......
Nationwide would not let me go overdrawn by less than 2 Pounds. I have no agreed overdraft but on phoning the bank to ask if they would grant this small amount of money on my debit card as I was being paid for a week's work the next day, they said they couldn't guarantee it. My card was refused in Sainsbury's. Good job I have an M&S voucher to buy food. Rather dim-witted and mean. Before I went to Australia, I sent two cheques 2nd class on a Saturday and wouldn't you know, Royal Mail must have delivered them to the utilities company in quick time and the cheques bounced before the following Friday when my wages were credited. For this I was charged 30 Pounds. Companies have got to make money, but I'm not in any debt and I think Nationwide's refusal to grant a debit card payment of less than 2 Pounds below zero was mean and dim-witted. read more