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Nationwide’s standard daily ATM withdrawal limit is £300 for most personal accounts — adjustable in the app or by phone. The key exception: FlexPlus members pay no Nationwide fee for overseas ATM withdrawals, making it one of the best accounts for travellers. Here’s everything you need to know.
Nationwide ATM Limits at a Glance
| Account | Daily ATM limit | UK ATM fee | Foreign ATM fee |
|---|---|---|---|
| FlexAccount | £300 (adjustable) | Free | 2.99% |
| FlexDirect | £300 (adjustable) | Free | 2.99% |
| FlexPlus | £300 (adjustable) | Free | Free (no Nationwide charge) |
Nationwide’s £300 default ATM limit matches most other UK high-street banks. Unlike some, Nationwide allows self-service limit changes in the app without needing to call.
How to Increase Your Nationwide ATM Limit
Via the Nationwide app:
- Sign in and tap Manage card
- Select Cash withdrawal limit
- Adjust to your required amount
- Confirm with your fingerprint or passcode — change takes effect immediately
Via phone:
- Call 03457 30 20 11 (24/7)
- Request a temporary or permanent ATM limit increase
- An adviser will confirm what’s available on your account
In branch: Nationwide has over 600 branches across the UK. Branch staff can also help with card limit queries.
Nationwide vs Other Banks — ATM Limit Comparison
| Bank | Standard daily ATM limit | Foreign ATM fee |
|---|---|---|
| Nationwide FlexPlus | £300 | Free |
| Lloyds Bank | £500 | 2.99% |
| NatWest | £300 | 2.75% |
| HSBC | £300 | 2.99% |
| Santander | £300 | 2.99% |
| Virgin Money | £300 | 2.99% |
| Nationwide FlexAccount | £300 | 2.99% |
| First Direct | £300 | 2.99% + £1.50 |
Lloyds leads on default ATM limit at £500. First Direct is the most expensive for overseas cash with its additional £1.50 fixed ATM fee. FlexPlus stands out clearly for overseas travellers — no foreign ATM fee is a significant advantage for anyone taking multiple cash withdrawals abroad.
Overseas ATM Withdrawals — FlexPlus vs Standard Accounts
For Nationwide’s standard accounts (FlexAccount and FlexDirect), overseas ATM withdrawals are charged at 2.99% of the withdrawal amount:
| Withdrawal Amount | Standard fee (2.99%) | FlexPlus fee |
|---|---|---|
| £50 | £1.50 | £0 |
| £100 | £3.00 | £0 |
| £200 | £6.00 | £0 |
| £500 | £14.95 | £0 |
On a two-week holiday with £1,000 in ATM withdrawals, a standard Nationwide account costs £29.90 in ATM fees alone. FlexPlus holders pay nothing in Nationwide charges — and at £13/month, the account pays for itself on travel fees alone on a modest trip.
Note: FlexPlus eliminates Nationwide’s own fees. Local ATM operators abroad may still apply their own surcharges. Look for ATMs affiliated with global networks (Visa Plus, Mastercard Cirrus) that don’t add surcharges.
Reducing Your ATM Limit for Security
You can also lower your daily ATM limit in the app — useful if you want to limit potential theft losses or if you’re setting up a joint account for a dependent. Changes take effect immediately.
Additional card security options in the Nationwide app:
- Freeze card — instant freeze/unfreeze if your card is lost or at risk
- Contactless on/off — disable contactless entirely
- Online payments on/off — disable card-not-present transactions
Larger Cash Withdrawals
If you need more than your daily ATM limit, Nationwide branches can process larger over-the-counter cash withdrawals. You’ll need to bring ID for withdrawals above a certain threshold. Call 03457 30 20 11 to check the process for your specific amount.