Your FlexDirect account

0693 Arranged
overdraft limit £350.00
Mr F D Baptistaabrantes
Flat 14
Harrowgate House
Cassland Road
LONDON
E9 5BY

12 February 2024 Sort code

Statement 07-04-36
Your FlexDirect
transactions Statement no 104 Account no 04859633
Start balance £-121.35
End balance £75.55
Date Description £ Out £ In £ Balance Average credit
2024 Balance from statement 103 dated 12/01/2024 -121.35 balance £40.66
Average debit
13 Jan AMZNMktplace amazon.co.uk 41.99 balance £-60.39
AMZNMktplace amazon.co.uk 19.99 -99.35 Receivi ng a n
16 Jan RYANAIR DAC 0000000YWU WWW.RYA 50.98 -150.33 Internationa l Payment?
17 Jan Cash credit 120.00 BIC NAIAGB21
AIRPORTBUSEXPRESS.CO.UK ESSEX 14.00 -44.33 IBAN GB91 NAIA 0704 3604 8596 33
18 Jan Contactless Payment 3.05 Swift
Intermediary Bank MIDLGB22
POST OFFICE COUNTER LONDON
Contactless Payment 3.50
Milano Express Pizza & Pe London
Contactless Payment 4.60
POST OFFICE COUNTER LONDON
ASDA PETROL LEYTON 40.06 -95.54
20 Jan AMZNMktplace amazon.co.uk 46.98 -142.52
23 Jan Cash credit 140.00 -2.52
24 Jan AMZNMktplace amazon.co.uk 46.98
Contactless Payment 1.29
Expa London
Contactless Payment 6.00 37.17
WESTFIELD E20 LONDON E20
25 Jan Direct debit BT GROUP PLC 29.99
STN WDF MAIN BASSINGBOURN 123.38 -116.20
29 Jan Direct debit PC/TESCO BANK BOX 116.28 -232.48
30 Jan Bank credit WG107260A DWP DLA 272.40 39.92
01 Feb Direct debit DVLA-MF17FKY 15.75
Transfer from 070436 40289304 45.00
Transfer from 070436 40289304 60.00 129.17
05 Feb Netflix.com Los Gatos 17.99 111.18
Effective Date 04 Feb 2024
07 Feb Direct debit VODAFONE LTD 30.70 80.48
09 Feb Arranged Overdraft Interest 4.93 75.55

Nationwide B u ild ing Soc iety is a utho rise d by th e Prude ntia l Re g u latio n Autho rity a n d re g u late d by the F i na nc ia l Co nd uct Autho rity a nd the Prude ntia l Reg u lation Autho rity u nde r reg istratio n n u m be r 1 06078 .
Head Office : Nationwide B u ild in g Soc iety, Natio nwide Ho use , Pi pe rs Way, Swind o n , S N 3 8 1 NW
DC83 (Octo be r 2023)_CS IS
 Your FlexDirect account

Please check you r state ment to ma ke su re eve ryth i ng 's correct. If there's a nyth i ng you ' re u nsu re
a bout p lease g et i n tou ch o r if you 've cha ng ed a ny of you r contact d eta i ls, you need to let u s know.

I nte rest , Rates a n d Fe es

We work out overdraft interest each day and take it from your account each month. We calculate the total in-credit interest for a month on the last day of each
calendar month and apply it to your account on the first day of the next month.
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 apply the
amount to your account 28 days after the statement date.
Since 6 April 2016, interest is paid without tax deducted and may count towards your Personal Savings Allowance. For more information please visit HMRC website at
hmrc.gov.uk

Summa ry box for your Have you lost your ca rd or cheque book or had them stolen? Let us know
straight away, either via the Banking app (if you have it) or by calling us on
Fl ex D i rect acco u nt 08000 55 66 22 . You can report lost or stolen cards and cheq ue books 24/7.
Th is informatio n d oes n 't re p la ce yo u r Te rm s a nd Co n d itio ns

Payi ng i n £1 ,000 o r mo re pe r mo nth AER Gross p.a .

Credit Interest
on ba la nces up to
£1 ,500 .
Overdraft interest
and charges
Cha rges for
specia list services
Foreign usage
* If you make awithdrawal
in a foreign currency from
a LINK ATMor over the
counter your transaction
will normally reach us as
a sterlingcash transaction
so non-sterlingfees won’t
apply.
AER stands for Annual Eq uivalent Rate and
For the first 12 months (introductory rate shows what the interest rate would be if
fixed for 12 months from account opening): 5% 4.89% interest was paid and compounded once a year.
After 12 months (ongoing variable rate): 1% 0.99%
Payi ng i n less tha n £1 ,000 pe r mo nth 0.00% 0.00% Gross p.a . is the interest rate without tax
deducted.
Arranged overdraft interest 39.9% per yea r compounded (variable)
As an example, if you borrow £500 for an £3.26 for 7 days
arranged overdraft it will cost you: Our pe r yea r co mpo u nd ed interest rate
* For the 60 day example, we’ve applied the £13.99 for 30 days shows the rate of interest that you’ll pay on
charges for the first 30 days, on day 31. This your overdraft over a year and takes account
means that the charge in the second month of the fact we charge interest each month on
is higher as we charge interest on the £28.37 for 60 days* your balance and this will include any interest
interest you’ve incurred up to that point.
which has already been added to your account
Unarranged overdraft interest 0% per year previously.
Monthly maximum charge (unarranged £0 per month
overdraft) Rece ivi ng mo ney with i n the U K
Se nd i ng mo ney with i n the U K To receive sterling payments into your account,
the person making the payment will need to
Chaps £20 transaction fee each time
q uote your sort code and your 8 digit account
SEPA (euros) £0 transaction fee number, which you’ll find on the front of your
statement. Entering account numbers incorrectly
SWIFT (foreign currency except euros) £20 transaction fee each time can mean payments being misdirected, so please
Se nd i ng mo ney o utsid e the U K be sure to provide the correct details.
SEPA (euros within the SEPA region) £0 transaction fee Rece ivi ng mo ney fro m o utsid e
the U K a nd rece ivi ng mo ney fro m with i n the
SWIFT (except euros within the SEPA £20 transaction fee each time U K i n a cu rre ncy othe r tha n ste rl i ng
region)
For Visa excha nge rates, visit visa .co.uk/support/consumer/travel-support/ SWI FT - someone making a payment to you
excha nge-rate-ca lculator.html must q uote your Bank Identifier Code ( BIC) and
International Bank Account Number ( IBAN). The
Ca sh withd rawa l i n fo re ig n cu rre ncy o utsid e the U K BIC and IBAN are the international eq uivalents of
Non-SterlingTransaction Fee 2.99% of the transaction amount your UK sort code and account number.
An international payment will also need to q uote
Non-Sterling Cash Fee £0 per withdrawal the SWIFT Intermediary Bank number as we're
Ca sh withd rawa l i n fo re ig n cu rre ncy with i n the U K using the routing services of an Agent Bank.
You'll find this number along with your BIC and
Non-SterlingTransaction Fee* 2.99% of the transaction amount IBAN on the front of your statement.
S EPA Cred it Tra nsfe r - someone making a
Non-Sterling Cash Fee* £0 per withdrawal
Debit ca rd payment i n foreig n cu rrency
payment to you must q uote your International
Bank Account Number ( IBAN). Your IBAN is
Non-SterlingTransaction Fee 2.99% of the transaction amount found on the front of your statement.

Ba n ki ng of cheq ues - You can pay money into or out of your account by cheq ue. To find out more information about cheq ue interest, clearing times, withdrawals
and certainty, please visit na tio nwid e .co .u k/cheq ue
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.

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 Excl usion List which
provides information about the FSCS and the protection that it provides can be found at nationwide.co.uk/fscs-info
For further information about the compensation provided by the FSCS, refer to the FSCS website at fscs.org.uk
Alternatively, please visit your local branch or call 03456 077 357 to req uest a copy or to chat to us about your account. For more information out our opening times,
visit: nationwide.co.uk/contact-us
DC85 (October 2023) CSIS
 FlexDirect Notice of Charges

Your Notice of Charges shows you the fees and interest which you've incurred throug hout this statement period. Please check them carefully and get in touch
if there's anything you're unsure about. These will be applied to your account 28 days after the date of this statement. It's important to budget for when any
fees and interest are taken and your balance reduces.
1

Taking control of your money Statement Date 12 February2024

 Manage your money 24/7 on the Banking app and Internet Bank. Visit nationwide.co.uk/ma nagi ng-
your-money for more information. Statement no 104
 Stay up to date with helpful text alerts. Unless you’ve opted out in the past and as long as we have your up-to-date Sort code 07-04-36
mobile number, we automatically send you texts that keep you in the loop about your borrowing . Plus, there are
additional alerts you can choose to sig n up for, too. If you’d like to see all the alert options available to you, how to Account no 04859633
opt out of the ones we automatically send, and how to opt in for others, please visit
nationwide.co.uk/texta lerts
 Work out your borrowing with our online calculator. It allows you to fig ure out how much it’s costing you per
month to borrow using your arranged overdraft in the way you do. J ust visit
nationwide.co.uk/onli ne-ca lculator
 It’s always a good idea to stop and think about whether borrowing with an arranged
overdraft is still the best option for you. Visit nationwide.co.uk/borrowi ng-options
for more info, or pop into branch. Plus, it’s worth considering if the account you have What next?
is still right for you, too. We're a member of CASS (Current Account Switch Service), £2.98 will be debited from
which makes switching a straig htforward process. You can find out all you need to your account 28 days from the
know about switching accounts at currentaccountswitch.co. uk date of this statement
 Our arranged overdrafts are there to help members meet their short term borrowing needs only. You need to
consider how you’ ll pay the money back if you’re asking to increase yours, or when setting one up. We lend
responsibly, which means we reg ularly review how our members use their arranged overdrafts so we can help
prevent any financial difficulty - and offer help if we feel it’s needed.
Arranged overdraft
Date Charge Description £Refund £Charge interest rate
2024 currently 34.049%
31 Jan Arranged Overdraft Interest 0.04 per year uncompounded
Arranged Overdraft Interest 2.94 (variable)
Total 2.98 (please see terms and conditions
on the reverse of your statement)

Act now
We' re here to help you if
you feel concerned about
manag ing your account or
getting into debt. Please get
in touch or visit www.
nationwi de.co.uk/help/
managing-your-money to
find out more. We' ll always
be sympathetic and positive
in times of difficulty.
If you'd like to speak to a free
independent money advice
agency, we've listed two
below which should be able
to help.

0800 138 1111

0808 808 4000

We' re h a ppy to p rovid e th is d ocu ment i n Bra i l le, la rg e p ri nt o r au d io (not available in Northern Ireland)
format. J ust ask you r loca l b ra nch or ca l l 03457 30 20 11 .
Nationwide B u ild ing Soc iety is a utho rise d by th e Pru de ntia l Re g u latio n Autho rity a n d re g u late d by the F i na nc ia l Cond uct Autho rity a nd the Prud e ntia l Reg u lation Authority u nd e r reg istratio n
n u m be r 106078 . He a d Office : Nationwid e B u ild i n g Soc iety, Natio nwide Ho use , Pipe rs Way, Swind on , SN 3 8 1 NW
DC 87 (Octo be r 2023) CSIS