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Everyday Current Account

Simple and straightforward A simple, straightforward current account for day-to-day banking.

A simple and straightforward current account, with no monthly fee but with all the essentials for managing your money.

What you get

  • 24/7 access to your account using 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 your money at cash machines. 

Remember, if you switch your current account to us, we'll move it across in 7 working days, so you can start making the most of your account.


 

 

Please read the full product details and Terms & Conditions before applying. Other accounts are available,
including our 1|2|3 Lite Current Account. Take a look at our current account range to find out more.

 

 

 

 

Apply now

If you're just after the essentials, the Everyday Current Account could be right up your street.

No monthly account fee
It's simply a regular bank account you can pay into and withdraw from as and when you need to. You don't earn any interest on your balance and you don't pay an account fee each month.

24/7 access
You can access the Everyday Current Account anytime, anywhere with Online, Mobile and Telephone Banking. Plus you can bank at any of our branches.

Visa debit card
A quick and secure method of buying goods and services at home and abroad.

Apple Pay and Android Pay

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

Switch to us
We can switch your existing current account for you in just 7 working days.

Plus everything else you expect from a bank account

  • Keeping you informed via free text message and email alert service.

  • A free Arranged Overdraft for 4 months when you switch to us using our dedicated Switcher Service.

  • A Visa debit card for quick and secure purchases at home and abroad.

  • Withdraw up to £300 a day from any Santander or Link cash machine.

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 Everyday Current Account for 36 months.

Overdraft fees

Arranged Overdraft Usage Fee  The Arranged Overdraft Usage fee will depend on the amount you use:  
 Below £2,000  £1 a day
 £2,000 to £2,999.99  £2 a day
 £3,000 and over  £3 a day
 Before 9 January 2017 the Arranged Overdraft Usage Fee will be £1 per day for any amount of Arranged Overdraft you use. 
Unarranged Overdraft Usage Fee  £6 per day 

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. As a result, you may incur a Paid or Unpaid Transaction Fee.

Paid Transaction Fees

£10 per transaction

Unpaid Transaction Fees

£10 per transaction

 You can apply for the Everyday Current Account if you are 18 years of age or over and live in the UK permanently.

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

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.

 

 

 

Apply now

Switching your existing current account to the Everyday 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

  • 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.

View call charges

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

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.

 

 

 

Apply now

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 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 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

 

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

 

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

 

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.

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

Apply now

Apply today

You can apply for the Everyday Current Account if you:

  • are 18 years of age or over

  • live in the UK permanently 

Applying for a new account online should take just 10 minutes

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

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.

Apply now

Frequently asked questions

  • Yes, the Everyday Current Account comes with a contactless card, subject to eligibility. If you aren’t eligible, you’ll receive a Visa debit card without contactless functionality.

  • You can use your Santander 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.

     

    If you’re a cash card customer you can use your 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

     

    For further peace of mind, please tell us about your travel arrangements using Online Banking (go to 'Use card abroad' in 'Account services'), your nearest Santander branch  or by calling us on 0800 9 123 123 (lines are open 7am to 11pm Monday to Saturday and 8am to 10pm on Sunday). We'll then be able to make sure your card isn't blocked when you use it overseas.

  • Can’t find what you are looking for? Find more on the current account FAQs page.

AER explained
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

The gross rate is the interest rate we pay where no income tax has been deducted.

EAR explained
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges.

Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.

Information correct as at 15 August 2016.

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Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.