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1|2|3 Current Account

123 Current Account

Useful Rewarding Innovative

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) on balances between £3,000 and £20,000.

Calculate how much cashback and interest you could earn.

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

Please read full product details and terms & conditions before applying.

Everything you would expect and lots more
With an in-credit interest rate and cashback on your household bills, you can see it really starts to add up 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.

Household bills do not include TV licence, maintenance or insurance contracts, commercial use or commercial mortgages.

You start earning interest when your balance is at least £1,000 and, unlike other bank accounts, we pay you interest on the first £20,000 of your balance.

Interest Account balance
1.00% AER gross (variable) £1,000+
2.00% AER/1.98% gross (variable) £2,000+
3.00% AER/2.96% gross (variable) From £3,000 to £20,000

How much could you earn?
As an example, if you pay £90 a month for gas and electricity, £50 for TV and broadband and have an average balance of £3,000, we'll pay £10.80 into your current account each month.

Calculate how much cashback and interest you could earn

We automatically work out how much cashback and interest you've earned and pay it into your account each month. There's even a handy summary on your statement and in Online and Mobile Banking to keep track of what you've earned.

What you need to do
Once set up, the 1|2|3 Current Account is very easy and convenient to manage.

There's a £2 monthly account fee and we'll take this automatically from your account each month.

To earn cashback simply make sure:

  • at least £500 is paid in each month - this could be your salary (transfers between your own Santander accounts won't count towards this)

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

To earn interest you also need to:

  • have at least £1,000 in your account - we calculate interest daily and you'll earn interest on the first £20,000 of your balance once you have at least £1,000 in your account. 

Fees you pay if your account is overdrawn

Arranged Overdraft Usage Fee  £1 per day
Unarranged Overdraft Usage Fee £6 per day
Paid Transaction Fees £0 per transaction
Unpaid Transaction Fees £0 per transaction


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.


Plus, all the features you'd normally expect from a bank account:

  • 24/7 access to your account via Online, Mobile and Telephone Banking.

  • Access nationwide via our branch network.

  • Free text and email alerts about your account.

  • Visa debit card for making purchases and accessing cash at cash machines. 

We do the hard work for you
If you want to switch an existing account we'll manage everything for you.

Important information
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. Household bills do not include TV licence, maintenance or insurance contracts, commercial use or commercial mortgages.

Cashback can only be earned through Direct Debit payments within the categories to companies categorised as water, electricity, gas or communications suppliers or as council tax issuing institutions in the 1l2l3 Current Account Eligible Originators Classification Listing©, which contains all major providers. See the Santander 1l2l3 Current Account Eligible Originators Classification Listing

One single or one joint 1|2|3 Current Account (or one of each) per person only.

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 13 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.


Your money, your way
You choose how you bank with us – Online, Mobile or Telephone Banking.

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.

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.

Find out more
Online Banking
Mobile Banking
Telephone Banking

Everything you need to know before you apply

We will always notify you in writing if your Terms and Conditions change. The documents below are the current versions.


Can't open PDFs? Download Adobe Reader for free

You can also ask for a copy of the latest Interest Rates and Fees Information leaflet at any Santander branch.

You can apply for a new 1l2l3 Current Account online in just 10 minutes if you:

  • are 18 years of age or over

  • live in the UK permanently

Whether you're a new or existing customer, applying for a new account means you will receive a new account number, card and PIN.

If you apply for an overdraft and the amount we can provide is lower than what you have requested, we will continue to process the application and if you are switching, your existing account will be closed. You can choose to start your switch up to 60 days in the future if you feel that you would like to confirm your amount of agreed overdraft in advance of your switch commencing. Please consider before applying.

Apply now



If you already have a Santander current account
If you already have a Santander current account and want to keep your existing account number, card and PIN you can transfer to the 1l2l3 Current Account using 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.




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 Direct Debits. You will not earn cashback on any other type of transaction (e.g. Debit Card, Standing Order, online transfer etc).
    See if your Direct Debits will earn you cashback

  • Cashback is calculated during each statement period and paid on the statement date each month, providing you have made a Direct Debit payment to one of the eligible companies in that month. Please check your statement or visit Online Banking to find out on which date we pay cashback.


    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.


    Cashback earned will be credited directly to your 1|2|3 Current 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.