Nationwide customers across the country are set to miss out on a £100 bonus due to the building society's strict conditions.
Just 3.85 million out of its 16 million customers, roughly 24 per cent, are eligible for the bonus £100 Fairer Share payment.
However, the scheme, which is running for the second year, has a complicated set of criteria.
Last year, the scheme left some long term customers 'outraged' after missing out on the bonus.
Nationwide has come under fire for the 'complex' conditions
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James Daley from the consumer group Fairer Finance said: "This annoyed people last year, and they’re doing it again when it’s only a small percentage of people who will get it.
"There are lots of long-term customers who are going to be upset by this, they are losing the PR battle."
In order to access the bonus, you must have paid at least £500 into a Nationwide current account for two of the first three months of the year and made two payments out.
You also need to have held £100 in a Nationwide savings account or have owed at least £100 on a mortgage at the end of March.
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Last year, the bonus left some Nationwide account holders scratching their heads, wondering why they did not qualify for the scheme.
One customer since 1980 told Money: "How can this be a fairer share scheme if not all members profit?"
Another said they were not eligible "despite having been a regular saver since the 1970s, having a mortgage for 25 years, having a Flex account, numerous savings accounts, and share Isas."
Nationwide is also offering a £200 bonus if you move a current account with two direct debits to the bank.
However, the criteria remain complicated. you have to already have a Nationwide mortgage or savings account and have not switched a current account to the bank since August 2021.
Andrew Hagger from the advice site Moneycomms said: "Combined with the £100 payment being made for the second successive year, the overall loyalty package should help to deter people from switching away from Nationwide to a rival bank in search of a bonus."