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Current Accounts

A range of bank accounts designed to meet our customers' needs

With a wide range to choose from, whether it’s cashback and interest, just the basics or a student current account you need, we’ve got it covered.

1|2|3 Current Account

123 Current Account

Cashback on household bills and interest on your balance

The 1|2|3 Current Account pays you cashback on selected household bills and interest on your balance for £2 a month. Try our 1|2|3 Calculator to see what it means for you.

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Everyday Current Account

Everyday Current Account

The essentials for day to day banking

A simple, straight forward bank account with no monthly account fee and access to all the essentials you need for easy day-to-day banking.

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Choice Current Account

Choice Current Account

Control your overdraft fees

For a £10 monthly account fee the Choice Account makes sure you are not charged for any Unarranged Overdraft fees. 

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Basic Current Account

Basic Current Account

A basic current account for customers aged 16 or over

With no overdraft and no monthly account fee, our no-frills account can be used for paying bills and withdrawing cash.

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1|2|3 Mini Accounts

Under 18 accounts

Accounts for children and young adults

Our unique 1|2|3 Mini Accounts are designed to offer flexible and adaptable banking, in a safe and controlled way. The 1|2|3 Mini Account (in Trust) can be held for children aged 0-11 and the 1|2|3 Mini Current Account is for 11 to 18 year olds to manage themselves.


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Student and Graduate Current Accounts

Accounts for students in higher education
A range of student and graduate accounts, including our 1|2|3 Student Current Account with a free 4-year Santander 16-25 Railcard.

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Compare our range

To help you make your decision, you can compare all of our accounts here.

Compare all accounts

Frequently asked questions

  • Call us immediately on 08459 724 724 so we can put a stop on your debit card. Lines are open 24 hours a day, 7 days a week.

    If you're abroad dial +44 1908 237 963.

    View call charges

  • The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.

    You can also change it by telephone or in branch.

    1. Online Banking (instant):
    Log on and update your details instantly from within the "My Details & Settings" tab.

    • Choose 'Change personal details' from the left hand menu and then click 'Change address'.
    • Enter your new details (including postcode) and follow the onscreen instructions.
    • Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.

    2. By telephone (for current account and savings customers):

    • Call our Telephone Banking line on 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.

    3. In branch:

    • Complete a change of details form by
      • Printing off and completing the Change of details form *
      • Requesting a copy of the form by calling us on 08459 724 724. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.
      • Collect a form from your local branch.
    • Take the form to your local branch together with relevant account documentation:
      • Your cash card, passbook or certificate and;
      • Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).

    If you would like to discuss our identification requirements please call us on 08459 724 724 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.

    Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services'tab in Online Banking as they are not automatically updated when you change your details.

    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free

  • You can use your Santander debit card abroad to make purchases and to withdraw local currency from cash machines as and when you need it, simply look for the Visa or MasterCard signs, and feel secure knowing that it's a safer option than carrying large amounts of cash or traveller's cheques.

    Cash card customers can use their card to withdraw local currency from cash machines abroad wherever you see the Cirrus sign. Charges may apply. For full details please see the General Terms & Conditions.

  • You can order a new or replacement cheque book by:



    Call 08459 724724. Lines are open 7am to 11pm Monday to Saturday and 8am to 10pm on Sundays. View our call charges


    Visiting a branch

    You'll need proof of ID. Find your nearest branch 

  • If your existing account is not meeting your needs, please go into one of our branches to discuss this with an advisor in more detail. We may have an alternative account that will be more suitable for you. Find your nearest branch

  • Can’t find what you are looking for? Find more on the current account FAQs page.

Current Account Awards

The Santander 1|2|3 Current Account and Switcher Service have been awarded 5 stars each by Defaqto, an independent financial research company which provides unbiased information to customers.

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