Nationwide Building Society has not yet confirmed whether the £100 Fairer Share bonus will continue into 2026. Customers who want to position themselves for a potential payout are receiving advice to meet likely eligibility requirements by March 31, 2026.
The Fairer Share scheme, launched in 2023, shares profits directly with eligible members. In 2025, more than 4 million members received the £100 payment. Experts, including those from MoneySavingExpert, recommend taking action early based on the pattern from previous years.
Past rounds show that eligibility is determined by account status on March 31, with announcements typically coming in May and payments arriving in June. Acting ahead of the March deadline helps members avoid missing out if the scheme returns under similar rules.
How the Fairer Share Scheme Has Worked in Previous Years
The bonus follows a consistent timeline each year. Members must hold specific products and meet usage conditions by the cut-off date.
Nationwide usually reviews accounts as of March 31 to decide who qualifies. The society then announces the details in May and sends payments in June.
This structure means that any changes to accounts after March 31 do not count toward that year’s eligibility.
Eligibility Conditions Used in 2025
Members qualified for the 2025 £100 payment if they met one of two main product combinations by March 31, 2025.
The first option required both a qualifying current account and qualifying savings. The second option required both a qualifying current account and a qualifying mortgage.
Here are the key requirements from the 2025 scheme:
| Requirement Category | Details |
|---|---|
| Current Account + Savings | Qualifying current account + at least £100 in Nationwide savings |
| Current Account + Mortgage | Qualifying current account + at least £100 outstanding on Nationwide mortgage |
| Savings Minimum | £100 average balance maintained until March 31 |
| Mortgage Minimum | £100 or more owed on an active Nationwide mortgage |
Experts suggested holding £200 in savings as a safety buffer to ensure the minimum was met.
Current Account Activity Requirements
Simply owning a current account was not sufficient. Members needed to show active use during the qualifying period.
Different account types had specific conditions:
| Account Type | Required Activity in Qualifying Month |
|---|---|
| FlexPlus | Monthly account fee paid |
| FlexOne, FlexStudent, FlexGraduate | At least one payment made or received |
| Other current accounts | Demonstrated account activity or regular use |
Account charges, interest payments, or internal adjustments did not count as qualifying transactions.
Separate £175 Switch Offer Available Now
Nationwide runs a different incentive for customers switching their main current account. New switchers can receive £175 when they open a FlexDirect account and complete a full switch using the Current Account Switch Service.
This switch bonus operates separately from the Fairer Share scheme. Customers can qualify for both if they meet the conditions for each.
Key features of the FlexDirect account include:
| Feature | Details |
|---|---|
| Switch Bonus | £175 for completing a full switch |
| Interest Rate | 5% AER on balances up to £1,500 for the first 12 months |
| Cashback | Up to £5 per month on debit card spending |
Completing the switch by March 31, 2026, allows new members to meet potential Fairer Share requirements while also claiming the £175 switch payment.
Customers who successfully receive both incentives could collect up to £275 in total.
Steps Recommended for Customers
Members and potential new customers are advised to prepare based on the criteria used in previous years.
This includes maintaining a qualifying current account with required activity, holding at least £100 in Nationwide savings or owing at least £100 on a Nationwide mortgage by March 31, 2026.
Those considering joining Nationwide can use the current switch offer to open a FlexDirect account and complete the process before the March deadline.
Summary of the Current Situation
Nationwide has made no official announcement about a Fairer Share £100 bonus for 2026.
Past patterns indicate that eligibility is assessed on March 31, with qualifying members needing an active current account plus either savings of at least £100 or a mortgage balance of at least £100.
This matters because meeting these conditions by the deadline positions members for a potential payout if the scheme continues.
Customers should understand that preparing before March 31, 2026, follows the safest approach based on previous years, while a separate £175 switch bonus remains available for those opening a FlexDirect account.