Everyday Current Account

A simple and straightforward bank account, with no monthly fee. Plus, get an extra £180 when you switch to us

Get £180 when you switch to our Everyday Current Account

We offer a simple, reliable and stress-free way to switch your current account using the Current Account Switch Service.

Within 60 days of submitting your initial switch request, you'll need to complete the full switch, have at least 2 active selected household Direct Debits and pay in £1,500. Sorry we can't offer this if you held a current account with Santander on 1 January 2025 or if you've previously received a Santander switcher incentive. It’s important that the details you give us when switching are correct and the same as the ones held at your old bank. If you need to update anything on your old account, it’s best to do this before you start your switch.

Offer may be withdrawn at any time. T&Cs apply

The Everyday Current Account comes with

Account details

Account fee

There’s no monthly fee to maintain the account.
The Fee Information Document (PDF - 114 KB) details the main fees and charges on this account, including those associated with using an overdraft facility.
For further explanation of our main terms and services take a look at our Glossary

Overdraft

An overdraft lets you borrow through your current account. It’s intended mainly for short-term costs or emergencies and isn’t generally suitable for longer-term borrowing. There is a cost associated with using an overdraft. The way you manage your overdraft, for example if you don’t repay your interest and charges regularly, may affect your credit file. This could make it harder or more expensive to get credit with us or other providers in the future. Find out more about Overdrafts

Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. We may ask you to repay all or part of your overdraft at any time but we'll try to notify you of this in advance.

An arranged overdraft is when we let you borrow up to a pre-agreed limit – you can ask for one when you open your account or at any other time.

An unarranged overdraft occurs when your account goes overdrawn without an arranged overdraft in place or if your account goes over your arranged overdraft limit.

When you try to make a payment that would take you into an unarranged overdraft, we make the decision whether to allow or reject the payment based on your individual circumstances. If we allow a payment, it will take you into an unarranged overdraft. We don’t charge fees for allowing or refusing a payment due to lack of funds.

Am I eligible? How much will it cost?

Is the eligibility checker right for me?

Already completed the eligibility checker? You can retrieve your previous decision

The table below shows you how you’ll be charged for using your overdraft. 

How does our overdraft compare? The purpose of a representative APR is to enable customers to compare the costs associated with different credit products.

Arranged overdraft interest and chargesRepresentative 39.94% APR/ EAR (variable)
Unarranged overdraft interest and chargesRepresentative 0% APR/ EAR (variable)

If you're switching from another bank to an account with us, there’ll be no arranged overdraft interest charged for the first 4 months.

Representative example 

If you use an arranged overdraft of £1,200 you’ll be charged an interest rate of 39.94% APR/ EAR (variable). Actual credit limit may differ.

We offer other current accounts with different overdraft interest rates or without the option for an overdraft facility. We also have different borrowing options, such as credit cards, personal loans, and additional loans for our existing mortgage customers. Learn more about our borrowing options

There are other charges with this account, such as when you use your card abroad. Please refer to the Terms and Conditions for details.

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

Account alerts

We'll send you free alerts when:

  • you make a payment that may take your account into an unarranged overdraft
  • you make a payment that may take your account into an arranged overdraft
  • we intend to refuse a future payment due to a lack of funds
  • we refuse a payment due to lack of funds.


We’ll send these alerts before your account's charged so you have time to pay in money to avoid or reduce these charges. We’ll send these alerts by text, push notification, and/or email, so it’s important you tell us if your mobile number or email address changes. 

You'll be automatically registered for these alerts. You can manage your alerts settings at any time by using Online Banking. For more information, visit our account alerts page.

Need more help? Please contact us or visit your local branch

If you need help managing your money or if you’re in debt, please visit our money worries page.

We won't charge you when you use your Everyday Current Account debit card to make withdrawals at Santander cash machines abroad. You'll find our cash machines in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay, and the USA. Make sure you choose to pay in the local currency to avoid being charged any other fees.

Key documents 

To view these documents you may need to download Adobe Reader

You can apply if

You’re over 18 and live in the UK permanently.

Santander Boosts

Get rewards to give you a little boost when you bank with us. 

All you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking and then you’ll be able to choose the offers you like and earn rewards with your favourite retailers.

  • Earn cashback when you shop online at a wide range of retailers
  • Receive vouchers and coupons for discounts on a variety of products and services
  • Get offers personalised to your individual interests and hobbies
  • Enjoy free gifts and enter prize draws 

Ways to bank with us 

You can access the Everyday Current Account anytime, anywhere:

  • Online Banking
  • Mobile Banking app
  • Get personalised spend insights with My Money Manager

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

Face-to-face support in branch and UK-based telephone support:

Security 

Keep your banking details private and secure.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre

How we manage scam claims

We’ll support you if you’ve fallen victim to fraud. Find out more about our approach to fraud

Statements

We'll add your monthly statement to your mailbox in Mobile Banking. In Online Banking, you can find it in your 'Statements and documents’. You can update your paper-free preferences in Mobile and Online Banking.
 
You can ask for paper statements in branch, by phone or Chat. You can choose to get them every month or every 3 months. You can also ask for your statements in an alternative format, such as braille.

Get access to the Santander Edge credit card when you have a current account

2% cashback (up to £15 a month) on your everyday spend with the Santander Edge credit card in your first year.

29.8% APR Representative (variable). A monthly fee applies. Credit subject to status.

Santander Boosts - man with rocket pack

Boost up your life

With cashback, discounts and special offers that match your interests. All you need to do is sign up for Boosts through your Mobile Banking app or in Online Banking and you’ll be able to choose the offers you like and earn rewards when spending at your favourite retailers 

woman with rocket pack

My Money Manager 

If you’re trying to be better with your money, My Money Manager is designed with you in mind. Now, as well as banking on the go, our mobile banking app lets you get tailored insights into how you spend.

My Money Manager screen shot
Current Account Switch Guarantee

How do I switch to Santander?

Choose to switch to us when you apply, or anytime after opening a Santander account. We’ll do the hard work, like closing your old account and moving payments. It’s simple, reliable and stress-free.

More on switching

Not sure which current account is right for you? View all current accounts or compare our range of current accounts

Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

We’ll carry out a credit check when you apply.

Paper-free

  • We’ll send your statements and other important information to your e-Documents section in Online Banking.
  • You can ask to receive your statements and important information by post using Online Banking, in one of our branches or by phone.
  • If you want more information on paper-free, or you don’t want to receive your documents this way then contact us.

Please note that if you request an overdraft with this account, the amount we offer may be lower than the amount requested. We will ask you to confirm that you’re happy to go ahead before we open your account.
If you’re applying on behalf of other applicants, you must have permission to act on their behalf, for example as Power of Attorney or Deputy. If this is the case, please make sure you use their details during the application.  If you’d like to be registered to act on the accounts, complete our Power of Attorney registration form online or call 0800 414 8414 if you’re already registered. During the application, you’ll be asked if you want to hear about products, services and offers that might be of interest. Please note, the preferences you select will apply to all applicants and will override any previous preferences given. If you, or any joint account holder, would like to change those preferences, please contact us at any time.​

Before applying for this product you should consider any future changes to your financial circumstances that may impact your ability to manage this account.

Apply
Apply (joint account)

Information correct as at 29 May 2025.