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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.


Please read the full product details and terms & conditions before applying. Other
accounts are available; see our current account range to find out more.


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.

If you use your Visa debit card for transactions abroad, you may be charged a foreign exchange fee.

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.

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 £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.

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.


Switching your existing Current Account to the Everyday 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 36 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.

See how easy it is to switch to Santander.

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.


You choose how you bank with us.

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.

Branch - visit one of our branches nationwide. Find your nearest branch.

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.

Mobile to mobile payments
With Paym you can send and receive payments quickly and securely using just a mobile number.

Find out more
Online Banking
Mobile Banking 
Telephone Banking

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 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

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

  • 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

  • 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 or MasterCard signs, and feel secure knowing that it's a safer option than carrying large amounts of cash or traveller's cheques.

    Cash card customers can use their 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.

  • You can order a new or replacement cheque book by:



    Call 08459 724724. Lines are open 7am to 11pm Monday to Saturday and 8am to 10pm on Sundays. View our call charges


    Visiting a branch

    You'll need proof of ID. Find your nearest branch 

  • 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? Find more on the current account FAQs page.