When it comes to banking we understand that everyone is different with different needs. So to help you choose the right bank account for you we've given you some options below, just click on the statement that matches what you want.
> I want an account that gives me cashback on household bills and interest on my balance
> I want to move my main account to Santander but I don't have £500 to pay in each month
> I'm looking for an account with an interest-free overdraft facility
> I'm aged 11-15 and want to open a Bank Account
> I'm aged 16 to 18 and want a new account
> I'm just heading off to university
> I've recently graduated
> I'm looking for a Basic bank account
|With our 123 Current Account you could earn up to 3% cashback on your household bills paid by Direct Debit and interest on your balance, in addition to all the standard bank account features you would expect - for just a £2 monthly account fee.|
See how much cashback and interest you could earn with our easy to use calculator
If you already have a Santander current account and want to transfer to the 123 Current Account, rather than open a new account, you can use our simple online transfer service.
Our Everyday Current Account is an account for your everyday banking needs. Simple and straightforward - allowing you to manage your money easily.
Both our 123 and Everyday Current Accounts offer a free Arranged Overdraft facility for the first 4 months when you switch to us using our dedicated switcher service. 0% EAR (variable) Arranged Overdraft with no daily Arranged Overdraft fee for the first 4 months. Then £1 per day capped at 20 days each monthly statement period applies thereafter.
Overdrafts are offered depending on your circumstances.
The 11-15 current account is a great way of getting into the swing of saving and managing your money. It comes with a Visa debit card or a cash card if you would prefer and 3.00% AER/2.96% gross (variable) interest on the money in your account up to £500.
The 16-18 account offers all the features of the 11-15 account plus a cheque book (on request).
Our Student account is designed to give you financial flexibility and help you manage your debt while you are studying, as well as having all the features you would expect from a bank account including a 0% EAR (variable) Arranged Overdraft which increases during your studies- from £1,500 in your first year up to £2,000 in your fifth year of study (provided you pay in £500 each term). Click on the link above for full details.
This account is designed to help you get into working life. It includes all the benefits of our bank account, plus a three-year 0% EAR (variable) Arranged Overdraft and no Daily Arranged Overdraft Fees (overdraft dependent on circumstances).
This is our most straightforward account - giving you financial control, without any complications. There's no cheque book, overdraft or interest, just a safe place to keep your money.
The Basic Current account can be opened by postal application. Click on the link above for full details and an application form.
AER stands for Annual Equivalent Rate and shows what the interest would be if we paid interest and added it each year. Rates may change and we pay interest each month.
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes into account how often interest is charged to the account and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions
Information and rates correct as at 10 April 2013