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Until recently Nationwide absorbed the Visa charge loaded on transactions made outside of Europe. However, it has recently started to pass on the 0.84% charge and this is set to increase to 1% at the start of July. That said, it is still free from the 'profitable' commission charges loaded by other providers.
As a day-to-day current account for UK usage the Nationwide Flexaccount doesn't stand out against the competition as it doesn't pay any interest at all on in-credit balances and charges a relatively uncompetitive 18.9% EAR on overdraft balances.