Nationwide Confirms FREE £100 Bonus for Millions of Customers – Full Eligibility List for 2026

Nationwide has confirmed another £100 Fairer Share payment for 2026, giving millions of eligible members a direct cash boost in June. The building society will distribute £440 million to 4.4 million customers after reporting £2 billion in underlying profits for the year to 31 March 2026.

The payment is not a switching offer or a prize draw. It is Nationwide’s annual member reward, aimed at customers who use the building society as a main banking provider and also hold either savings or a mortgage with it. This is the fourth year in a row Nationwide has made a Fairer Share payment, after paying £400 million to around four million customers last year.

Full details are available on Nationwide’s official Fairer Share page, but the key point is that not every Nationwide customer will receive the money. The £100 payment is only for members who meet both the current account rules and the savings or mortgage requirement.

Who will get the Nationwide £100 payment in 2026?

To qualify, customers must have had an open Nationwide current account on 31 March 2026. They also needed to show account activity during the first three months of the year, with the rules depending on the account type.

For FlexAccount, FlexBasic and FlexDirect customers, Nationwide required one of three conditions. Members had to pay in at least £500 from a non-Nationwide account and make two outgoing payments in two of the first three months of 2026. Alternatively, they could qualify by making 10 or more outgoing payments in two of those months, or by completing a full current account switch to Nationwide between 1 January and 31 March 2026.

FlexOne, FlexGraduate and FlexStudent customers had a different test. They needed either a payment into the account from outside Nationwide or a payment out during March 2026. A full switch to FlexOne or FlexStudent between 1 January and 31 March 2026 could also count, although FlexGraduate is not included in that switching route.

FlexPlus packaged account holders qualify if they paid the monthly account fee.

There is also a second product requirement. Customers must have had at least £100 in Nationwide savings at the end of any day in March 2026, or owed at least £100 on a Nationwide mortgage on 31 March 2026.

That means a current account alone is not enough. A savings balance or mortgage relationship is part of the eligibility test, which is why some customers who bank with Nationwide may still miss out.

When the money will arrive and what customers should check

Nationwide says eligible customers will receive the £100 automatically between 10 June and 30 June 2026. The payment will appear on statements as “Nationwide Fairer Share Payment”. Customers do not need to apply, fill in a form, or share bank details to receive it.

That automatic process is important because scam messages often appear around major banking payouts. Any text, email or call asking customers to “claim” the Fairer Share payment should be treated carefully. Nationwide will not ask members to provide personal details to unlock the reward.

Customers should also keep their current account open until the payment arrives. If the account is closed before the £100 is paid, and there is no other Nationwide current account available, the building society says the reward will not be sent another way.

The £100 is treated as taxable savings income. Most basic-rate taxpayers are unlikely to owe extra tax because of the personal savings allowance, but higher-rate taxpayers or those with large non-ISA savings may need to include it in their tax position. Nationwide will report the payment to HMRC, while self-assessment customers should declare it where required.

The 2026 payout also comes after Nationwide’s acquisition of Virgin Money, but Virgin Money customers should not assume they automatically qualify this year. The eligibility cut-off was 31 March 2026, so many newly added members may have to wait for a future cycle depending on how Nationwide sets future rules. Swikblog previously covered this in detail here: Nationwide £100 Bonus 2026: Millions Added After Virgin Money Deal but Some May Have to Wait.

For eligible members, the next step is simple: keep the qualifying account open and watch for the payment in June. For everyone else, the announcement is a reminder that Nationwide’s Fairer Share scheme rewards deeper customer relationships, not just holding a single account.

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