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Client Current Account

Our Client Current Account is designed for regulated businesses that need to keep their clients' money separate from their own. We offer two types of Client Current Account - designated and general (or pooled) - to existing Santander Business Current Account customers.
 
What you get

  • Free day-to-day business banking on electronic transactions such as Bacs credits, standing orders, faster payments

  • 100 cheques deposited free each month (then £1.00 per cheque deposited)

  • 100 cheques issued free each month (then £1.00 per cheque issued)

  • Online, Mobile and Telephone Banking

  • Free text and email alerts to help you keep control of your accounts

 What you pay for

  • Cash and cheques deposited or issued above your monthly limit

  • Non-standard transactions outlined in the Key Facts Document in the Terms & conditions tab

 

Our Client Current Account offers free day-to-day business banking to existing Santander Business Current Account customers who are regulated businesses that need to keep their clients’ money separate from their own.
 
Free day-to-day business banking includes:

  • Direct Debits, standing orders and bill payments

  • Bacs credits

  • 100 cheques deposited for free each month (then £1.00 per cheque deposited)

  • 100 cheques issued for free each month (then £1.00 per cheque issued)

There is a charge for non-standard transactions such as CHAPS and foreign currency transactions and for exceeding the monthly cheque deposit or issue limits; please see the Key Facts Document in the Terms & conditions tab for full details.
 
You’ll also benefit from:

  • 24/7 secure access – manage your client accounts alongside your Business Current Account with secure Online and Mobile Business Banking

  • Telephone Banking

  • Free text and email alerts to help you keep control of your accounts

Account types
We offer two types of Client Current Account:

  • A designated account is for businesses that need to hold money on behalf of a single client, such as auditors, tax advisers, or property managers for holding rental income

  • A general (pooled) account is for regulated businesses, such as solicitors, who're involved in financial and property transactions, as well as landlords and property managers for holding tenants' service charges and security deposits

Business overdrafts
There is no Arranged Overdraft facility available on this account. You will go into an Unarranged Overdraft if your account balance drops below zero. The Unarranged Overdraft interest rate is 29.5% EAR (variable). The unpaid item fee is £15. Please see the Key Facts Document in the Terms & conditions tab for full details.

Your money, your way
You choose how you bank with us.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. More on Online Banking.

Mobile Banking
Bank from anywhere using our Santander Business Banking app or by using bb.santander.co.uk. Text me the app.

Free text and email alerts
You don’t have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. By setting up the alerts you want in Online Banking we can send you a text or email when it happens – such as when your balance goes above or below a certain amount. More on free alerts.

Telephone
Call us on 0800 731 6666. Lines open 8am to 9pm Monday to Friday and 8am to 2pm Saturdays. More on Telephone Banking.

Interest

No interest is paid on Client Current Account credit balances.

Paid-for transactions
Your day-to-day business banking is free on the Client Current Account as long as you don’t exceed the monthly cash and cheque limits.

There is a charge for non-standard transactions such as CHAPS and foreign currency transactions and for exceeding the monthly cheque deposit or issue limits; please see the Key Facts Document in the Terms & conditions tab for full details. Fees for any standard or non-standard transactions will be taken from this account only. A full list of non-standard transactions is available in the Key Facts Document.

Everything you need to know before you apply
 
We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader.

You can apply for a Client Current Account if:

  • you're a regulated business that needs to keep your clients’ money separate from your own
     
  • all directors, owners (shareholders) or partners are aged 18 or over
     
  • you have a Santander Business Current Account
     
  • all directors, owners (shareholders) or partners are UK residents

Please note: we may need to verify that you’re regulated by an appropriate body.

Apply in branch
Contact your local branch to see if a Local Business Manager is available to support you.
 

 

Frequently asked questions

EAR explained
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges.
 
Subject to availability and may be withdrawn without notice at any time.

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Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.