O Nationwide é um bom banco?
Confiabilidade em todo o país e classificação BBB
Em todo o país,estamos comprometidos em manter seu dinheiro seguro. E além da segurança que você recebe de nós, você também está protegido pelo Esquema de Compensação de Serviços Financeiros (FSCS).
Informações importantes sobre acordos de compensação
Os seus depósitos elegíveis na Nationwide Building Society estão protegidos até um total de £85.000 pelo Esquema de Compensação de Serviços Financeiros, o esquema de garantia de depósitos do Reino Unido.
Ao contrário dos bancos, não somos propriedade de acionistas. Somos propriedade denossos membros.
A Nationwide também é um defensor do setor bancário britânico e também é protegida pelo FSCS, o que significa que, no caso improvável de falência, seus depósitos seriam protegidos até £ 85.000.
Modelo de negócios não diversificado e de baixo risco: os ratings da Nationwide refletem umrazoavelmente estável, modelo de negócios de baixo risco focado principalmente em empréstimos hipotecários residenciais, financiados por poupanças de varejo e contas correntes.
Ao contrário dos grandes bancos, não vamos fechar as nossas agências
Sabemos que as agências são importantes para nossos clientes. Portanto, em todos os lugares onde temos uma filial, prometemos continuar lá até pelo menos 2026*.
Em todo o país pelos números
“Nossos parceiros confiam em nossos produtos e serviços diversos e inovadores e na força e estabilidade da Nationwide.”Em 2023, os investimentos totais foram de US$ 139,3 bilhões. O rendimento líquido do investimento de 5,7 mil milhões de dólares em 2023 aumentou em relação aos 5,0 mil milhões de dólares em 2022, como resultado do crescimento dos negócios.
| Banco | Classificação do consultor da Forbes | Rede ATM |
|---|---|---|
| Banco Chase | 5,0 | Mais de 15.000 caixas eletrônicos Chase |
| Banco da América | 4.2 | Mais de 16.000 caixas eletrônicos nos EUA |
| Banco Wells Fargo | 4,0 | 11.000 |
| Citi® | 4,0 | 65.000 |
| Banco | A classificação da subida |
|---|---|
| Perseguir | 4,50 |
| Banco dos EUA | 4,50 |
| Banco PNC | 4,50 |
| Banco da Aliança Ocidental | 4,25 |
Por que a Nationwide está me dando $ 100?
Ao contrário dos bancos, podemos fazer as coisas de forma diferente
No ano passado, demos a 3,4 milhões de membros elegíveis uma parte dos nossos lucros através do The Nationwide Fairer Share Payment. Pagamos £ 100 diretamente em suas contas bancárias em todo o país.Esperamos poder fazer um pagamento em 2024.
A Nationwide também se comprometeu com uma abordagem de investimento responsável, o que significa que não investem em determinadas indústrias, incluindo armas, carvão, desflorestação, tabaco, petróleo e gás, e muitas outras.
A Nationwide Building Society é uma instituição financeira mútua britânica, a sétima maior instituição financeira cooperativa e a maior sociedade de construção do mundo commais de 16 milhõesmembros.
- Capital One Bank: Melhor conta corrente online.
- Chase: Melhor para uma grande rede de filiais.
- Axos Bank: Melhor para opções de contas online.
- Discover® Bank: Melhor para fazer todas as suas operações bancárias em um só lugar.
- Synchrony Bank: Melhor conta poupança de alto rendimento.
- Banco TD: Melhor para atendimento ao cliente.
- Melhor banco físico nacional: Capital One.
- Melhor Banco Online Nacional: Discover Bank.
- Melhor Banco Nacional para Experiência Móvel: Bank of America.
- Melhor Banco Nacional para Empréstimos Pessoais: SoFi.
- Melhor Banco Nacional de Poupança de Alto Rendimento: UFB Direct.
- Ally Bank: Melhor para o melhor banco geral.
- Schwab Bank: Melhor para acesso a caixas eletrônicos.
- Chase: Melhor para bônus de inscrição e acesso à agência (separadamente)
- UFB Direct: Melhor para economizar.
- SoFi Bank, NA: Melhor para verificação.
- 1: Wells Fargo. Pior banco geral. ...
- 2: Citibank. Pior vice-campeão do banco. ...
- 3: Banco da América. A maioria das reclamações em geral. ...
- 4: Capital Um. A maioria das reclamações do Better Business Bureau. ...
- 5: Descubra. Maior taxa de reclamações. ...
- 6: Banco do Cidadão. Piores taxas em geral. ...
- 7: Banco Flagstar. ...
- 8: Quinto Terceiro Banco.
O horário de funcionamento da maioria das agências passará a ser das 10h às 14h, de segunda a sexta, e das 9h às 12h aos sábados, com maior distanciamento entre funcionários e associados para dar maior confiança e segurança. A Nationwide, que tem cerca de 650 agências, afirma precisar fechar cerca de 50 agências devido à falta de pessoal.
Ao contrário dos bancos, somos propriedade dos nossos membros e não dos acionistas. É qualquer pessoa que deposite, poupe ou tenha uma hipoteca connosco. O que significa que podemos sempre nos concentrar no que é melhor para eles. É a nossa diferença fundamental e o que nos torna uma boa forma de fazer transações bancárias.
Os colapsos do Silicon Valley Bank e do Signature Bank em março de 2023 – então a segunda e a terceira maiores falências bancárias da história dos EUA – apanharam os consumidores de surpresa. Posteriormente, mais três bancos faliram em 2023:First Republic Bank em maio, Heartland Tri-State Bank em julho e Citizens Bank of Sac City em novembro.
A nação está com problemas?
Fitch Ratings - Londres - 05 jul 2021: A Fitch Ratings revisou a Perspectiva do IDR (Issuer Default Rating - Rating de Inadimplência do Emissor) de Longo Prazo da Nationwide Building Society para Estável, de Negativa, e afirmou o IDR em 'A'. Todas as suas outras classificações também foram afirmadas.
- Banco da Escócia – fechamento de mais 10 agências (26 no total).
- Halifax – mais 22 agências fechando (69 no total).
- Lloyds – mais 21 agências fechadas (81 no total).
Revisão de seguros em todo o país
Além disso, éA classificação NAIC é 0,65, o que significa que a Nationwide recebeu menos reclamações do que a média das seguradoras de automóveis. A empresa foi credenciada pelo BBB em 1955.
Os fundos colocados na conta são considerados depósitos do Nationwide Bank esão segurados pela Federal Deposit Insurance Corporation (FDIC)a pelo menos US$ 250.000 por participante.
Wells Fargo (WFC)
No entanto, considera-se uma das instituições financeiras com menor probabilidade de falir. Curiosamente, desde a abertura em janeiro, o WFC cedeu mais de 13% do valor patrimonial. Isso faz com que o WFC fique em algum lugar entre o JPMorgan Chase e o Bank of America.
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