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 full product details and terms & conditions before applying.
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.
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 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.
See how easy it is to switch to Santander.
|Representative example |
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day capped at 20 days each monthly statement period. 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.
Secure, 24/7 banking. Make payments, view statements and much more.
Bank from anywhere using our apps or by using m.santander.co.uk.
Text me the app
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.
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.
Everything you need to know before you apply
pre-contract information you should read if you intend to apply for an overdraft on your Everyday Current Account.
current account specific conditions
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You can also ask for a copy of the latest Interest Rates and Fees Information leaflet at any Santander branch.
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 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.
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.
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.
2. By telephone (for current account and savings customers):
3. In branch:
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.
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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 Interest Rates and Fees information leaflet.
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