On Wednesday, July 18, 2025, Nationwide Building Society began distributing its much-anticipated £100 Fairer Share bonus to eligible customers across the UK.
While over 4 million members will receive the payment this summer, millions more will miss out—even if they actively bank with Nationwide.
This marks the third year of the building society’s Fairer Share initiative, designed to return value to members when financial conditions allow.
Despite record profits, not every customer qualifies. Let’s break down who is eligible, why some customers are excluded, and what this means for future payouts.
What Is the £100 Fairer Share Bonus?
The £100 bonus payment is part of Nationwide’s commitment to sharing profits with members, rather than paying dividends to shareholders.
As a mutual institution, Nationwide rewards customers who use its services more holistically—those with both current accounts and qualifying savings or mortgage products.
In 2025, the number of recipients increased to 4 million, up from 3.85 million in 2024 and 3.4 million in 2023. The bonus appears in customer statements as “Nationwide Fairer Share Payment”.
Who Is Eligible for the £100 Bonus in 2025?
To receive the £100 bonus, customers must hold a Nationwide current account and either a qualifying savings account or a Nationwide mortgage. Just having one type of product is not enough.
Here’s a detailed breakdown of the criteria:
Eligibility Criteria for Nationwide £100 Bonus
| Account Type | Qualification Requirements |
|---|---|
| FlexPlus | Must have paid the monthly fee for account maintenance |
| FlexOne / FlexStudent / FlexGraduate | At least one payment in or out during March 2025 |
| FlexAccount | Must meet one of the following: |
| a) In two of Jan, Feb, Mar 2025: £500 in and two payments out | |
| b) In two of Jan, Feb, Mar 2025: At least 10 payments out | |
| Account Switchers | Those who switched to Nationwide using the Current Account Switch Service between 1 Jan and 31 Mar 2025 |
If you only have a current account, or only have savings/mortgage with Nationwide, you will not receive the bonus.
Why Are Some Nationwide Customers Not Getting the Bonus?
While Nationwide has over 17 million customers, only 4 million will receive the Fairer Share bonus. The main reasons many customers are excluded include:
- Not having both product types (current account + savings/mortgage)
- Inactive account use, failing to meet the required transaction/activity criteria
- Missing the eligibility window (March 2025 and the Q1 2025 transaction history)
- Switching after the March 31 deadline using the account switch service
It’s also important to note that this bonus is not guaranteed every year. It depends entirely on Nationwide’s financial performance. If profits fall in the future, the scheme may be paused or altered.
When Is the £100 Being Paid?
The bonus is being distributed between July 18 and the end of July 2025. It is paid directly into any of the current accounts a qualifying member holds, and may vary in timing depending on processing.
Why Nationwide Is Paying the Bonus Again
Nationwide’s 2024-2025 financial results showed record growth in both retail deposits and mortgage lending, enabling the institution to return value to members.
According to Nationwide, it returned £2.8 billion in total value to members last year. As a member-owned building society, this bonus replaces traditional shareholder dividends—focusing instead on customer benefit.
The Nationwide £100 Fairer Share bonus 2025 is a welcome financial boost for millions—but also a point of confusion for those left out.
With strict eligibility rules, only those who hold active current accounts and additional qualifying products are rewarded.
As interest in these payments grows, many customers are now considering switching or expanding their services with Nationwide in hopes of qualifying next year.
If you didn’t receive the bonus in 2025, understanding the rules now can help you plan ahead for 2026.
FAQs
Why didn’t I receive the £100 bonus from Nationwide?
You may not have met the eligibility criteria—such as holding only a current account without a savings or mortgage product.
When is the bonus being paid out?
Payments started on Wednesday, July 18, 2025, and will continue through the end of July 2025.
Is the £100 Fairer Share bonus guaranteed every year?
No, the payment depends on Nationwide’s financial performance. It is only paid if it doesn’t compromise financial stability.