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Basic Current Account

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.

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.

  • Online

  • Santander Cash machines

  • By phone

  • In 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

  • Access nationwide via our branch network, Post OfficeTM counters and cash machines

  • Support tools such as text and email alerts as well as monthly statements

Your cards

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 or Link cash machine

Spend in shops and online up to the amount that you've transferred. You can also use this card abroad 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 Link cash machine. If you use a Santander cash machine you can take out money using this card whether you've transferred it or not. Manage your account at Santander 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 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;

  • Car Hire;

  • Parking or vending machines


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 current account to the Basic Current Account

Hassle-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 for 36 months

  •  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
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 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.

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:

Mobile Banking

Our fastest growing way to bank. Use your phone or device to:

  • see balances and make payments

  • 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



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


Contact Us

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



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.

To view these documents, you may need to download Adobe Reader.

Important Information
You may need to post us identification that:

  • Provides proof of your name (e.g. valid passport or driving licence) and

  • Provides proof of your address (e.g. council tax bill/ tenancy agreement.

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 branch.

You can apply for the Basic Current Account if you:

  • are 16 years of age or over

  • live in the UK

  • do not already hold a Santander Basic Current Account

If you meet the conditions and can provide the required ID, you can apply for your account online today.

If you don't have 3 years of address history in the UK but meet the requirements above, you can pop into your local branch. An appointment may need to be booked. Find your nearest branch

Before applying, please make sure you read the full details and terms & conditions.

Apply now

  • 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.

    View call charges

  • 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