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1|2|3 Current Account

Santander Current Accounts

The current account that pays you cashback on your household bills and interest on your balance for £2 a month.

 What you get

  • Monthly cashback on selected household bills.

  • Monthly interest of 3% AER (variable) payable on your entire balance up to £20,000, when you have at least £3,000 in your account.

  • Access to 1|2|3 World offers, including preferential rates and special deals on other Santander products.

To get cashback on your household bills and interest on your balance, just follow these steps:

  • Pay a monthly account fee of £2.

  • Fund the account with £500 a month (excludes internal transfers). A minimum balance of £1,000 is needed to receive interest.

  • Have at least 2 active Direct Debits. You'll get monthly cashback on selected household bills you pay by Direct Debit

Remember, if you switch your current account to us, we'll move it across in 7 working days, so you can start earning cashback and interest.

See how much cashback you could earn:

Cashback calculator




Please read the full product details and terms & conditions before applying. Other
accounts are available; see our current account range to find out more.


Earn cashback and interest with 1|2|3
With an in-credit interest rate and cashback on your household bills, make the most of your banking with the 1|2|3 Current Account.

We can switch your existing current account for you in just 7 working days.

You will earn:

Cashback Cashback categories
1% cashback  on water and council tax bills and the first £1,000 you pay towards your Santander monthly residential mortgage payment
2% cashback  on gas and electricity bills
3% cashback  on mobile and home phone bills, broadband and paid for TV packages.


Payable on your entire balance up to £20,000, when you have at least £1,000 in your account.

Interest Account balance
1.00% AER gross (variable) interest on your balance once you have £1,000
2.00% AER/1.98% gross (variable) interest on your balance once you have £2,000
3.00% AER/2.96% gross (variable) interest on your balance once you have £3,000 up to a maximum of £20,000

How it works

  • A £2 account fee will be taken from your account each month

  • Pay in at least £500 each month - transfers between Santander personal accounts won't count towards this

  • Have at least 2 active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit

When you fulfil these conditions - and have the minimum £1,000 balance required to start earning interest - we'll automatically work out how much cashback and interest you've earned and pay it into your account each month.

If you'd like to switch to us from another bank or building society we'll move all your Direct Debits, standing orders and your salary.

We'll close your old current account and make sure any payments to and from your old account are redirected to your 1|2|3 Current Account for 36 months.

What you can get

  • Visa debit card - a quick and secure method of buying goods and services at home and abroad

  • Contactless payments through your phone if you have an iPhone 6 , iPhone 6 Plus or Apple Watch and link it to your card using Apple Pay.

  • Arranged Overdraft - usage fees apply

  • Chequebook

These are subject to status.

You can use this account to:

  • Set up Direct Debits and standing orders

  • Pay bills

  • Transfer money online including Faster Payments

Overdraft fees 

Arranged Overdraft Usage Fee                      £1 per day
Unarranged Overdraft Usage Fee                     £6 per day


If you try to make a payment that would take you into an Unarranged Overdraft, we'll decide whether or not to pay it depending on your circumstances.

We have other borrowing options, such as credit cards, personal loans, and additional loans for our existing mortgage customers. Learn more about our borrowing options

There are other charges with this account, such as when you use your card abroad. Please refer to the Terms and Conditions for details.


Representative example
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.


The maximum mortgage payment amounts that qualify for cashback are limited to £1,000 per month (for either single or multiple monthly Direct Debits). Mortgage cashback applies to Santander UK plc mortgages. The 1% cashback on water and council tax bills also applies to rates in Northern Ireland.

You may only hold a maximum of two 1|2|3 Current Accounts, one in your own name and one in joint names.


Switching your existing current account to the 1|2|3 Current Account

Hassle-free switching in just 7 working days

  • Our dedicated switcher team will switch all of your Direct Debits, standing orders and your salary or other income

  • You can choose when your switch starts - this can be the day your account is opened or up to 60 days later

  • Your switch will only take 7 working days

  • We'll keep you updated of progress by letter, text and e-mail

  • We'll close your old account and redirect any payments to your Santander Current Account for 36 months

  • You could get a 4 month fee-free Arranged Overdraft when you switch to us. (Overdrafts are offered depending on your circumstances.) 

Our switcher service is rated 5 Star by Defaqto, an independent financial research company, so you can be confident your current account switch is in the best hands.


How to switch
Switching to Santander is hassle free and can be completed in just 7 working days.

If you don't already have a Santander Current Account, you can apply online, in a branch or by calling us on 0800 068 6069. We will ask you during the application if you want to switch an account you hold elsewhere to Santander.

If you're an existing customer we can also arrange to switch a current account you hold elsewhere to your existing Santander current account. Simply visit your local branch or call us on 0800 068 6069.

Lines are open 8am to 7pm Monday to Friday and 9am to 2pm Saturdays.

View call charges

To switch you'll need to give us

  • your existing sort code and account number

  • your existing debit card number and expiry date. If you are switching a joint account to us, we'll need the debit card details for all applicants 

Representative example
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.


You choose how you bank with us.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. Watch our Online Banking videos to learn more.

Mobile Banking
Bank from anywhere using our apps or by using Watch our Mobile Banking video to find out more.

Text me the app.

Telephone Banking
24/7 banking by phone. Speak to us during the day and in the evenings or use our automated service any time of day. Call us on 0800 9 123 123.

Branch – visit one of our branches nationwide. Find your nearest branch.

Cash machines
You can do more than just withdraw cash at our cash machines. For example, pay money or cheques in, pay bills and lots more.

Post Office
You can use Post Office branches to make cash withdrawals, balance enquiries, cash deposits and cheque deposits.

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.

Track your spend with Spendlytics
Download our Spendlytics app for iOS from the app store to track, analyse and understand your spend in detail. Spendlytics is available for Santander debit and credit card customers.

Mobile to mobile payments
Send and receive payments quickly and securely using just a mobile number with Paym.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Post Office
Apple Pay
Our video playlists

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.

Before applying please remember to read the full details and terms & conditions.

You can apply for a new 1|2|3 Current Account online in just 10 minutes if you:

  • are 18 years of age or over

  • live in the UK permanently 

New account Existing customers
  • You will receive a new account number, card and PIN

  • If you apply for an overdraft and the amount we can give you is lower than your request, we’ll contact you to let you know what we can offer. We will ask you to confirm that you’re happy to go ahead before we open your account

  • Please consider before applying.

  • Keep your existing account number, card and PIN.

  • Use our short transfer application form.

  • If you are successful, your account could be updated the same day.

  • You’ll need your existing account details handy to transfer.

  • If you have an Instant Plus or Basic Current Account, you can’t transfer to the 1|2|3 Current Account.

Apply now


Alternatively, you can apply by phone. Just call us on 0800 068 6069.
Lines are open 8am to 9pm Monday to Friday, and 8am to 4pm Saturday.

Or pop into your local branch: Find your nearest branch

Before applying please remember to read the full details and terms & conditions.

Apply now

Frequently asked questions

  • Call us immediately on 0800 9 123 123 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

  • You will earn cashback on eligible household bills that are paid by Direct Debit. Household bills do not include TV licence, maintenance contracts (e.g. boiler repair cover), insurance contracts, bills for commercial use or commercial mortgages. You will not earn cashback on any other type of transaction (e.g. Debit Card, Standing Order, online transfer etc).


    Will my Direct Debits earn me cashback? 

  • To earn cashback and interest you must pay a monthly account fee of £2, pay in £500 a month and set up a minimum of two active Direct Debits.  Once you meet these criteria, cashback will be calculated on eligible Direct Debit payments made in the statement period and interest accrued on a daily basis on the entire balance at the appropriate tier.    


    Cashback and interest are paid into your account on the same day each month, depending on the date you opened or transferred your account. You can check your statement or log in to Online Banking to find out when we pay your cashback and interest.

  • 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.

    If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.

    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.

    1. By telephone (for current account and savings customers):
      • Call our Telephone Banking line on 0800 9 123 123. Lines open 7am to 11pmMonday to Saturday and 8am to 10pmSundays.
    1. 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 0800 9 123 123. 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 0800 9 123 123 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.

    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

  • 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? More help can be found at on the Current Account FAQs page.