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Everyday Current Account

A simple and straightforward current account with all the essentials you need to help make managing your money easy and convenient.

Is Everyday Current Account right for you?

If you plan to pay at least £500 each month into your new account, our 123 Current Account may be a better option for you. You could earn cashback on your household bills and interest on your balance, for a monthly account fee of £2, £500 monthly funding (excludes internal transfers) and set up of two direct debits. For cashback, household bills must be paid by direct debit.


Account features

  • A simple and straightforward current account with all the essentials you need to help make managing your money easy and convenient.

  • There’s no monthly account fee and no minimum funding required.

  • Easy access to your account 24 hours a day.

  • Free text message and email alert service.

  • A free Arranged Overdraft for 4 months when you switch to us using our dedicated Switcher Service (depending on your circumstances). See representative example.

  • A Visa debit card for quick and secure purchases at home and abroad.

  • Withdraw up to £300 a day from any Santander or Link cash machine.


Switching your account 

Santander is a member of the Current Account Switch Service. The service is fully guaranteed by the Current Account Switch Guarantee - this means that we can switch your current account to us in seven working days1, and you’ll have complete peace of mind that the process will be simple and hassle free. We’ll keep you up to date with progress from start to finish by letter text and email* and our dedicated switcher team are also on hand to help you at any stage. Click here for more information on switching your current account. 


Representative Example

0% EAR (variable) Arranged Overdraft. No Arranged Overdraft Usage Fee for
the first 4 months. Then £1 per day capped at 20 days each monthly statement period applies thereafter

Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.


If you don't switch, the Arranged Overdraft Usage Fee will apply from account opening.

Account servicing

Wherever. Whenever - A variety of convenient, simple and secure ways to manage your money however suits you best - find out more.

Online Banking - gives you the freedom to manage your money 24 hours a day at It’s simple, secure and convenient. You will automatically be registered for Online Banking when you apply - find out more

Mobile banking - Our mobile banking apps bring you closer to your money when you’re on the go and at any time of day.  - get the app.

FREE account alerts - You’ll always know what’s happening with your account with our range of free text and email alerts - find out more.


 Important information

All the important information about this account such as rates, charges, Terms & Conditions, user guide and more, can be found by clicking here.

1 Current Account Switch Guarantee and 7 working days completion is applicable for any switch made from a bank or building societies who are also participants in the Current Account Switch Service.

If you use your Visa debit card for transactions abroad, you may be charged a foreign exchange fee.

* To benefit from text and email updates you will have to provide us with your most up to date email address and mobile phone number as part of your online application. Should you wish to update your details at any other time, please log on to Online Banking, visit your local branch, or call us on 0845 609 0010.


EAR stands for Effective Annual rate and represents the yearly cost of an overdraft, which takes into account how often we charge interest 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

The information is correct as at 18 September 2013.