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.

Cashback
You will earn:

• Cashback can only be earned through household bills paid by Direct Debit

• Household bills do not include TV licence, maintenance contracts (e.g. boiler repair cover), other insurance contracts, bills for commercial use or commercial mortgages

• Find out where you can earn cashback on your household bills with the 1|2|3 Current Account

Interest

Monthly interest of 1.50% AER / 1.49% gross (variable) payable on your entire balance up to £20,000.

You'll receive interest gross, with no income tax deducted. Take a look at our information pages to learn more

If you don't normally maintain a credit balance in your account, have a look at our 1|2|3 Lite Current Account.

How it works

• There is a £5 monthly account fee, that will be automatically taken from your account each month

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

• Pay at least £500 into your account each month. Any interest paid, and payments between Santander personal accounts you’re named on 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 we'll automatically work out how much 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.

What you can get

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

• Contactless payments with your mobile by linking your Santander debit or credit card to your Apple or Android device.

• Arranged Overdraft - usage fees apply

• Retailer Offers – find out more

• Chequebook

Visa debit card and Arranged Overdraft 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 

The total overdraft fee cap in each monthly statement period is £95.

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.

Cashback paid monthly. The maximum mortgage payment amount that qualifies for cashback is £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

• You can either switch to a new account, or one you've already got with us

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

• Choose when your switch starts - this can be up to 60 days in the future

• 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 

• 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

If you don't already have a Santander Current Account, you can apply online or in a branch. We'll ask you during the application if you want to switch an account you hold elsewhere to Santander.

If you're an existing customer and you have an account with another provider that you would like to switch to your existing Santander account, please visit your local branch.

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

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 

From day-to-day banking to exclusive offers, do it your way

Because we know you have busy lives and are often on the move, we want to give you ways to bank that make life easier. We're always looking for new ways to bank that help you do what you need to do, with your phone, computer or in person.

So if you're on the sofa, log on with your tablet to check the cashback and interest you've earned. If you want to pay a friend for your share of a night out, use Paym on your mobile to make a quick transfer with no need for bank details. And if you're on the high street pop in for the personal service.
 

Here are just a few of the things you can do:

	Mobile Banking Our fastest growing way to bank. Use your phone or device to: see balances, make payments and check 1|2|3 cashback register for Retailer Offers to earn additional cashback on your spend set up personalised account alerts  to let you know what's going on with your money And much more Take a look at our Mobile Banking videos   Get the app
	Online Banking 24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus: switch to paper free and get your statements and other important notifications online manage personal details such as change of address register to receive mobile-to-mobile payments with Paym   And much more Take a look at our Online Banking videos   Sign up
	Branches Come in and see us for: face-to-face support in managing your account free customer wi-fi: bring your own device into branch and we'll help you with our online and mobile services Find a branch
	Telephone Banking with our UK-based team on hand until 11pm most nights, and an automated service when they go home, do your banking by telephone any day of the week call us on 0800 9 123 123 Find out more
	ATM Use our ATMs for: withdrawing cash making cash and cheque deposits checking your balance managing your PIN
	Post Office Use Post Office branches to make cash withdrawals, balance enquiries, cash deposits and cheque deposits Find out more

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.

• 1|2|3 Current Account Key Facts Document including Pre-Contractual Information

• General Terms & Conditions including Terms of Business

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 

Or pop into your local branch. An appointment may need to be booked. Find your nearest branch

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