Building Society

Welcome to your current

account statement
Here’s a guide to what you’ll see

Here’s an example of your monthly statement, to help show you how it works.


Current Account Arranged overdraft
 Statement
Building Society
If you’re eligible and have
an arranged overdraft,
Your statement 3494990106217N00000000130010030000
00000204085 1 3N00000000010010010000 your limit will be shown
303
information box 0559
CAUK Arranged £2,000.00 here.
Arranged
overdraft limit £0,000.00
Shows you how much overdraft
Arrangedlimitoverdraft 1.453%
money you have in your Miss A Sample interestoverdraft
Arranged rate per month
X.XXX%
11A Sample Street interest rate per month
account at the start and Sampleville
end of the month.
Your average credit and
debit balances (money
AB12 3CD

M

International payments
going in and out of your 07-01-16 These are the account
Your FlexAccount
FlexAccount Statement date 002Month
March 2017 Sort code
Year 00 00 00
account) help give you an transactions Statement no 191
0 0 of1 0of 3 Account no 00000000 details you’ll need if
idea of the typical amount Start balance £-1,943.18
£0,000,000.00 someone is making a
of money in your account. Date Description £ Out £ In £ Balance
End balance £-1,330.55
£0,000,000.00 payment into your account
Average
creditcredit
29-Jul
2017 123456789123456789123456789123456789A
29-Jul Balance fromMARLBOROUGH
Tesco Stores statement 190 dated 02/02/2017 -1,943.18
£8.99 123456789101 12345678910AB
123456789101 £189.00
Average
balance
balance £0.00
£000,000,000.00 from outside of the UK.
06 Feb Transfer
29-Jul
1-Aug Tesco fromMARLBOROUGH
Stores
Cash Machine 070040
wdl 50148678
Nationwide £10.00
8.99 75.00 £179.00
4,523.80 Average
Average debitdebit
balance
balance £000,000,000.00
£-1,453.03
5-Aug Effective
31-Jul Transfer toDate
Apple itunes VERY05 Feb
Store – GBP2017
ITUNES.COM £1.20
490.21 £177.80
4,523.80

 
Receiving
Receiving an an
12-Aug Transfer
1-Aug to SELECT
Cash Machine
Machine wdl CREDIT CARD
wdlNationwide
Nationwide 2.07
£20.00
55.00 £157.80
3,978.59 International Payment?
International Payment?
14-Aug Effective
6-Aug National
Apple itunesDateStore
Lottery05inteFeb
– GBP2017
WATFORD
ITUNES.COM £7.20
10.00 £150.60
3,968.59
BIC: BIC WWWWWW12NAIAGB21
15-Aug Bank
7-Aug AppleCredit
Itunes
Visa New MARK
Store
Look 1793- MCGRATH
GBP ITUNES.COM
Stroud £12.991.20 500.00 £137.61
3,967.39
15-Aug Effective
15-Aug Transfer toDate
Costa Coffee 05 Feb 2017
JOINT
Stroud £8.05
785.00 £129.56
IBAN:IBAN WWWW
SWIFTSwift
GB37 NAIA 1234 1234 12
WWWW
How we keep in touch
Your transactions 17-Aug Direct Debit
Waitrose
McDonalds PAYPAL
164Cirencester
Marlborough PAYMENT 11.56
£7.89
23.14 £121.67
Intermediary
Intermediary Bank:Bank WWWWWW12MIDLGB22
We think it’s important to
Your monthly transactions 21-Aug B365
Cash MOTOhase
Bank Machine wdl Nationwide
credit 0000000 5.00
200.00 £50.00 £171.67
2,959.25
keep in touch with you
are broken down by day, 21-Aug WorderyEU
16-Aug Cheque deposit Swindon
www.Lovefilm.com VISA 1234567890 4.94
8.12 £25.00 -1,391.75
£196.67
2,951.13 We’re here about things which you
shown by alternate blue
21-Aug (Recurring
17-Aug Sainsbury’s
Cheque depositVisa
S/MktTransaction)
STRATTON 50.00 £70.00 £266.67
75.00
to help might find interesting. You
0725-Aug
Feb Direct Debit
Justgiving.com HLAMONLINE
Transfer to 00000000 REGULAR SAVIN
DONATION 50.00
£125.00
50.00 £141.67
2,826.13
We’re happy to help
and white lines, to make it 19-Aug Direct DebitOasis
Applegreen HLAMWILTSHIRE
REGULAR SAVIN 50.00
69.70 2,756.43
however you choose can find these messages at
easier to keep track of your 20-Aug Direct
Toys RDebit HLAM REGULAR
Us SWINDON 3635 SAVIN 50.00
49.95 to contact us.
0800 554 0559
the bottom of your
Contactless
Direct Debit Payment
TV LICENCE DDA 4.00
145.50
Online nationwide.co.uk
finances. TESCO
StandingSTORES
Order 5535
NATWEST BELFAST 500.00 2,060.98
statement.
Phone 0847
0800 xx30xx20xx11
21-Aug WorderyEU
Amazon EUSwindonAMAZON.CO.UK 5.73
23.99 -1,551.48
2,036.99 Marcus Square
Visit us inCounty
branch
Unknown transactions 22-Aug (Recurring
Cash Machine Visa
wdlTransaction)
Barclays 100.00 1,936.99
Newry Down


11ANorthern
Sample Ireland
Street,
08 Feb B365 STOKE Co-op
ON TREN 5.00
Every now and again, you 24-Aug Mid-Counties SWINDON 15.60 Sampleville,
BT34 1JB
B365
DirectMOTOhase
Debit NATIONWIDE C/CARD 5.00
136.50 1,784.89 AB12 3CD
might notice a transaction 26-Aug B365 MOTOhase
Cash Machine wdl Barclays 5.00
100.00 1,936.99
or payment on your account 27-Aug TESCO STORES
Apple Itunes Store 5131
- GBPBELFAST
ITUNES.COM 29.881.20 -1,586.36
3,967.39
We’re here to help
IfOver
Didyouyou your
change know your A little reminder of ways
that you’re not entirely sure 09 Feb Transfer
28-Aug Transfer tofrom 0559/124836921
JOINT 785.00 50.00
details, suchcan as your
about. This can often be
Effective
Waitrose 164DateMarlborough
08 Feb 2017 23.14 overdraft
that you limit? to get in touch with us
correspondence name
Bank
Cash Credit
MachinePSFBwdl Nationwide 200.00 81.00 2,959.25
receive
Take control
or address please your
of your money if you need to.
caused by a supplier having 30-Aug Amazon UK Marketplace
www.Lovefilm.com 800-279-6620
VISA 1234567890 14.488.12 -1,469.84
2,951.13
•statements
textOur
alert service lets
advise us in writing
a trading name that is 1130-Aug
Feb B365 MOTOhase
Sainsbury’s S/Mkt STRATTON 5.00
50.00 75.00 you know when you’re
online?
straight
near your away.
limit
Contactless
Justgiving.com Payment
ONLINE DONATION 15.30
50.00 -1,490.14
2,826.13
different to the actual shop Most
•For moreofyour
thebalance
Check mail youon
30-Aug HEAD - BELFAST
Applegreen Oasis BELFAST
WILTSHIRE 69.70 2,756.43 information andthe
to
or company name that you 1331-Aug
Feb B365
Toys RSTOKE ON TREN
Us SWINDON 3635 49.95 5.00 receive
go withfrom
stop receiving us statements
our mobile
paper
app

might be more familiar with. Effective

Direct DebitDateTV12LICENCE
Feb 2017 DDA 145.50 concerns
• to us
Talkyour
about
sign on or register at money
your so
overdraft
help us make needs sure
by calling
that
Contactless
Justgiving.com Payment
ONLINE DONATION 4.89
50.00 -1,490.03
2,826.13 nationwide.co.uk
For more information on the 01-Sep MCDONALDS BELFAST
Mid-Counties Co-op SWINDON 21.90 2,734.53
08457 xx xx xx
it’s secure.
common trading names, Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078.
click here. Head Office: Nationwide Building Society, Nationwide House, Pipers Way, Swindon, SN38 1NW
00000013 0001 of 0003 CLU1

36743 (March 2017)


Your account summary box
This shows you the rates and charges which apply to your account.
To check what rates might apply to your account, have a look at our
Rates & Charges leaflet.

Your FlexAccount
Please check your statement to make sure everything's correct.
� Nationwide
If there's anything you're unsure about please get in touch or if Building Society
you've changed any of your contact details, you need to let us know.

Interest, Rates and Fees

We work out overdraft interest each day and take it from your account each month. FlexAccount doesn't currently pay any credit interest.
Since 6 April 2016, interest is paid without tax deducted and may count towards your Personal Savings Allowance. For more information please visit HMRC's
website at hmrc.gov.uk. Unless stated otherwise, all rates and fees are variable and we can change them at any time.
If we have to give you notice of a fee or interest we'll let you know by including a 'Notice of Charges' page with your next regular statement, and we'll take the
amount from your account 28 days after the statement date. There's a cap on the amount of overdraft fees you can incur in a calendar month.

Have you lost or had your card or cheque book stolen?

Summary box for your Report it to us straight away on 0800 30 20 11
FlexAccount
This information do esn't r eplace your Terms and Conditions
r
AER stands for Annual Equivalent Rate and shows
AER Gross p.a.
what the interest rate would be if interest was
All balances X.XX% X.XX% paid and compounded once a year.
Overdraft Interest all overdrawn balances X.XX% EAR

Unpaid transaction fee £XX each time

r
EAR stands for Equivalent Annual Rate and
Paid transaction fee £XX each time is the compounded yearly interest rate applied to
(i) the amount you've spent and(ii) any interest,
£XX (Overdraft usage fee only fees and charges applied to your account.
Unarranged overdraft buffer charged if unarranged overdraft limit
exceeds this amount)
Stopped cheque £XX for each cheque Gross p.a. is the interest rate without tax
deducted.
Copies of cheques £XX for each cheque

Copy of paper statements £XX per request

Payments made within the UK in sterling
Counter Draft £XX each time For payments into your account, you will need
to quote your sort code andyour 8 digit account
UK electronic transfers (CHAPS) £XX each time number, which you'll find on the front of your
Payments overseas/in a foreign currency by SWIFT £XX each time statement. Entering account numbers incorrectly
can mean payments being misdirected, so please
SEPA Credit Transfers made in Euro £XX each time be sure to provide the correct details.

this account does not pay credit Payments madeoutside of the UK or within
Interest paid from the UK in a cur rency other than sterling
interest
SWIFT - someone making a payment to you
the fourth working day following the must quote your Bank Identifier Code(BIC) and
Withdrawals available from
day of deposit International Bank Account Number(IBAN). The
BIC and IBAN are the international equivalents of
Certainty that we won't reclaim the money if the the sixth working day following the day
your UK sort code and account number.
cheque is returned unpaid of deposit (unless fraud has occurred)
An international payment will also need to quote
Find the Visa exchange rates at visaeurope.com/en/cardholders/exchange_rates.aspx the SWIFT Intermediary Bank number as we're
using the routing services of an Agent Bank. You'll
Non-Sterling Transaction Fee (our commission find this number along with your BIC and IBAN on
X.XX% of the transaction amount
applied to all non-sterling transactions) the front of your statement.
Non-Sterling Cash Fee (additional commission SEPA Credit Transfer - someone making a
£XX per withdrawal
paid on non-sterling cash withdrawals) payment to you must quote your International
Bank Account Number (IBAN). Your IBAN is found
on the front of your statement.

r
Banking of cheques is subject to the rules and clearing processes of any clearing system used by us.
Cheque clearing timescales start from the first working day after you pay in your cheque and exclude bank holidays and weekends. For interest purposes we
include Saturdays, Sundays and bank holidays if the cheque is paid in at a branch or Fast Cash Machine. Cash and automated credits will be available for withdrawal
immediately. There may be a delay of one working day if cheque deposits are made at a Nationwide cash machine as we will credit your account once the deposit has
been verified and accepted by us.

r
If you have a problem with your account, and wish to complain, please try to settle it with us first. If you're not happy with the way in which we handled your complaint or
the outcome you may be able to complain to the Financial Ombudsman Service. We'll give you details of how to contact the Ombudsman.
We'd like to keep in touch by letting you know about our special offers, products and services, either by letter, telephone or email. If you'd prefer us not to get in contact
through any of these ways, just write to us at Nationwide Building Society, Marketing Optout,FREEPOST SCE 7125. Also, if you'd like to hear from us, but currently don't,
please contact us at the above address.
\.
Important information about compensation arrangements
The deposits in this account are eligible for protection under the Financial Services Compensation Scheme (FSCS). An Information Sheet and E xclusion List which
provides information about the FSCS and the protection that it provides can be found at nationwide.co.uk/fscs-info/
Alternatively, please visit your local branch or call 0800 302011 to request a copy.

For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk

DC84 (October 2016) CSIS

 
This is a Notice of Charges page Total amount of fees and charges
You’ll only get one with your monthly This shows how much will be taken
statement if you’ve incurred any fees or from the account, 28 days later.
charges associated with both arranged
and unarranged overdraft borrowing.

FlexAccount
Building Society

Statement
22 March 2017
April 2017
date
Statement no 11
Sort code 07-01-16
00-00-00
no
Account no 000000

What next?
£19.81
£XX.XXwill
willbe
bedebited
debitedfrom
from
2017
your account 28 days
28 Mar Arranged Overdraft Interest £XX.XX following the date
date of
of this
this
Total £XX.XX statement
statement.

00000013 0003 of 0003 CLU34