The Basic Current Account has been designed to help you manage your money.
You’ll be able to get your income paid in and pay your bills by Direct Debit, standing order or Faster Payment from the Basic Current Account.
For those times when you want the flexibility of spending money in shops or online, you'll also get a Top-up Visa Debit Card. This is linked to the Basic Current Account and you can top it up by transferring money from your Basic Current Account, allowing you to keep the money you’ve set aside for your bills and your spending separate.
The Basic Current Account is available to customers legally living in the European Union. All transactions on the account are made in pound sterling, therefore when the account is used outside the UK you may incur fees. Also when you are transferring money onto your top-up card this will also be done in pound sterling.
Why choose the Basic Current Account?
With the Basic Current Account you can have your salary or other income paid in, and pay bills such as your rent or mortgage by Direct Debit or standing order from the account. You'll find your sort code and account number on your cash card so you can set up Direct Debits.
When you know how much you'll need for your bills or other regular payments, you can transfer any money left to your separate top-up account to spend on your top-up debit card in shops, online or withdraw cash. You can also move money back to the Basic Current Account at any time.
Transfer money between the Basic Current Account and Top-up Debit card in a way that suits you.
Santander UK Cash machines
In any Santander UK branch
The Basic Current Account gives you:
Simple banking with no account or overdraft fees
A top-up debit card to separate your spending money from the money you set aside for bills, and help you control spending. You'll also get a cash card; find out more about how to use it in the table below.
24/7 access to your account using Online, Mobile and Telephone Banking
Retailer Offers - earn cashback of up to 15% at a range of major retailers when you use your Santander top-up debit card
Access across the UK via Santander's UK branch network, UK Post OfficeTM counters and cash machines
Support tools such as text and email alerts as well as monthly statements
|Visa Debit Top-up Card||Basic Current Account Cash Card|
|Transfer money from your account and only spend the amount of money that's on the card|| |
Withdraw cash as long as you have enough in your account from any Santander UK or Link cash machine, or Cirrus ATMs worldwide.
|Spend in shops and online up to the amount that you've transferred. You can also use this card outside of the UK to withdraw cash and spend in shops; simply look for the Visa sign.||Find your bank account details on this card and use them to set up Direct Debits, standing orders, faster payments and international payments from your account|
|Withdraw cash that you've transferred onto the card from any UK Link cash machine. If you use a UK Santander cash machine you can take out money using this card whether you've transferred it or not.||Manage your account at Santander UK cash machines using this card. You can also transfer money between your Basic Current Account and top-up card.|
|Get Retailer Offers to earn cashback on your spending. Once you've switched on this service through Online or Mobile Banking you could earn up to 15% cashback when you use your top-up debit card at a range of major retailers. Find out more about Retailer Offers.||You can't use this card to spend in shops or online|
|Manage your account at Santander UK cash machines using this card. You can also transfer money between your Basic Current Account and top-up card.|
|You can't use this card with Apple Pay and it's not contactless|
Find out how to easily transfer money between your Basic Account and Top-up card online and using your mobile app.
To prevent the account going overdrawn you won't be able to set up or make certain payments on the top-up debit card, including;
Recurring and instalment transactions (e.g. magazine subscriptions). These are a series of payments made using your card number. If you want to switch your account from another bank to the Basic Current Account, we won't be able to move any existing recurring payments;
Automated/pay at pump petrol stations - but you will be able to pay over the counter at petrol stations;
Parking or vending machines
Fees may apply when withdrawing cash from outside the UK and making purchases in any other currency other than pound sterling.
Please read the full product details, Key Facts document and terms and conditions before applying. Other accounts are available; see our current account product range to find out more.
Switching your existing UK current account to the Basic Current Account
Stress-free switching in just 7 working days
You can switch either 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
There's no overdraft facility on the Basic Current Account so you won't be able to move an overdraft across
If you have any recurring and instalment transactions (e.g. magazine subscriptions) set up on your old debit card, these payments will not be accepted on your top-up card. You will have to make other arrangements with the company you have a recurring transaction set up with.
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 by visiting us in 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.
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 see the nearby offers you could make the most of with Retailer Offers. If you want to check any payments you've made recently, take a look with the mobile app. 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:
Our fastest growing way to bank. Use your phone or device to:
And much more
24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus:
And much more
Come in and see us for*:
Use our ATMs for:
|Post Office |
*Only available within the UK
Everything you need to know before you apply
Important contractual information is included in the documents which can be accessed via the links below.
We advise that you should read and consider these documents before proceeding with your application.
You should print or save copies of these documents for further reference and records. If there are any questions you have regarding the agreement or you require further information please contact us.
To view these documents, you may need to download Adobe Reader
Before applying, please make sure you have read and accepted the product details and Terms & Conditions (including the specific conditions in the Key Facts Document and FSCS Information Sheet)
Before you proceed with your application please be aware that you may need to post us identification that:
A full list of acceptable identification can be found here.
If you're unable to provide ID as detailed in the above document and would like to discuss alternative options please visit a Santander UK branch. If you live outside of the UK please click here.
You can apply for the Basic Current Account if you:
|UK Residents||European Union Residents |
(excluding the UK)
| || |
If you are completing a joint application where one person lives in the UK and the other in the EU, please click on the 'EU Resident' option.
Before applying, please make sure you have read and accept the product details and Terms & Conditions (including the specific conditions in the Key Facts Document and FSCS Information Sheet)
Apply today or complete a previously saved application
|UK Residents||EU Residents |
|Apply now |
Please make sure you select the correct button. Any applications by UK residents using the 'EU residents only' application form won't be accepted.
The Basic Account is only available to customers legally resident in the European Union, including the UK.
Call us immediately on 0800 9 123 123 so we can put a stop on your card. Lines are open 24 hours a day, 7 days a week.
If you're abroad please dial +44 1908 237 963. Please make sure you can quote your account and card number. A replacement card will then be ordered for you.
You can use your Top-up Visa 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 sign, and feel secure knowing that it's a safer option than carrying large amounts of cash or traveller's cheques.
You can use your Cash 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
The following countries are in the European Union (EU):
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
If you are legally resident in one of the countries listed, you can apply for our EU Basic Current Account
If you live in the UK, you can apply online for a Basic Current Account.
*On 23 June 2016 the UK voted to leave the European Union.