Everyday banking


No monthly account fee

The Everyday Current Account is simply a bank account that you can pay into and withdraw from as and when you need to


A Visa debit card

For quick and secure purchases at home. If you use your VISA debit card for transactions abroad, you may be charged a foreign exchange fee


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


A four month fee-free Arranged Overdraft when you switch to us

Use our Switch Service to move your current account to us and receive a Defaqto 5 star rated service.

Defaqto 2017 Current Account Switching
FSCS – protecting your money
Current account switch guarantee


Extra features


Earn up to 15% cashback with Retailer Offers when you use your Santander debit or credit card at a range of major retailers. You’ll need to switch on Retailer Offers in Online or Mobile Banking. Find out more about Retailer Offers


Manage your account whenever, wherever with Online and Mobile Banking


If your card is contactless enabled you can make quick and easy purchases of up to £30 whenever you see the contactless symbol


Link your card to your iPhone 6 (or later) or Apple Watch and use Apple Pay at contactless terminals1

Representative example

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day (this is capped at 20 days each statement period for the Choice Current Account). 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.

If you don't switch using our dedicated switcher service, the Arranged Overdraft Usage Fee will apply from account opening. The Unarranged Overdraft Usage Fee is £6 per day

The Everyday Current Account has a monthly cap for unarranged overdraft fees of £95. A total overdraft fee cap of £95 will also apply to your account meaning if you incur any arranged and/or unarranged fees in any monthly statement period, these will never be more than £95 in total.

From 10 July 2018, we will remove the existing overdraft fee cap of £95 per monthly statement period, which covers Arranged and Unarranged Overdraft fees. This will be replaced by a lower cap of £50 per monthly statement period and will cover Unarranged Overdraft fees only, including Paid and Unpaid Transaction fees. This means you won’t pay more than £50 per month in Unarranged Overdraft fees. Arranged Overdraft usage fees will not be changed.

Please read the important information below before applying. Apply today or complete a previously saved application.

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.

Important information

You must be over 18 and living permanently in the UK to apply for an Everyday Current Account.
  1. Retailer limits may apply. Apple Pay excludes cahoot cards, Basic Current Account, Business VISA Electron, Business Credit Card and Santander corporate cards. All devices must be running on iOS 8.3 or later. Apple and iPhone are trademarks of Apple Inc. registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc

  2. EAR: 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.