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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.

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.

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

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.

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 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.

What you can get

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

  • 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

 Fees you pay if your account is overdrawn

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


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

Switch your current account in just 7 working days
We are members of the Current Account Switch Service. This means your switch will be completed in 7 working days and backed by the Current Account Switch Guarantee. 

The switch can begin on the day your account is opened or on a date any time in the next 60 days. We'll ask you to choose when you apply.

All taken care of

Our dedicated switcher team manage the switch of 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 new account for 36 months.

A four 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
Simply let us know you want to switch your old current account when you apply.

During your application for a new current account you'll be asked if you have a current account with another provider and, if you do, you can choose to switch it. We'll then ask for your old bank account details so we can contact your old bank to get things moving.

Before applying please make sure you have:

  • your old account 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. 

It's important that the details you provide are the same as the ones held at your old bank, so if you need to update names or addresses for example on your old account, it's best to do this before you start your switch.

If you have a joint account with your old bank and your new Santander account is a single account, we wont be able to complete your switch.

Find out more about switching your current account.

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.

Mobile Banking
Bank from anywhere using our apps or by using 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 08459 724 724.

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.

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.

Mobile to mobile payments
With Paym you can send and receive payments quickly and securely using just a mobile number.

Find out more
Online Banking
Mobile Banking
Telephone Banking

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.

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 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

  • 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? 

  • Cashback is calculated during each statement period and paid on the statement date each month provided you have made a Direct Debit payment to one of the eligible companies in that month, have paid the account fee, have a minimum balance of £500 and have 2 Direct Debits set up.


    Interest is accrued on a daily basis on the entire balance at the appropriate tier. You must have 2 active Direct Debits, be paying your account fee plus at least £500 a month into your account and have a minimum balance of £1,000 to earn interest.


    For existing Santander current account customers who transfer their current account to the 1|2|3 Current Account, cashback and interest will apply only from the date the transfer is completed.


    We will automatically work out your cashback and interest and pay it into your account each month.

  • 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

  • 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.