1|2|3 Current Account

Earn cashback on your household bills and interest on your balance

Apply in 10 minutes

What you can get

£5 monthly fee to maintain the account

    • Monthly interest of 1.50% AER   / 1.49% gross   (variable)
    • Arranged Overdraft facility (subject to status)
    • Earn cashback every month on household bills paid by Direct Debit
    • 1|2|3 World offers    
    • Earn additional cashback of up to 15% at a range of major retailers when you use your Santander debit card


    • Pay at least £500 into your account a month
    • 2 active Direct Debits
    • You are over 18 and live in the UK permanently

Fees and overdrafts

Account fee

There's a £5 monthly fee to maintain the account. This is paid from your account automatically each month.


The Arranged Overdraft Usage fee will depend on the amount you use.

Arranged overdraft fee

£1 a day

Below £2,000

£2 a day

£2,000 to £2,999.99

£3 a day

£3,000 and over

Unarranged overdraft fee

Fee not charged


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 credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.


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

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

The Fee Information Document details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary

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.

Interest and cashback


To earn interest and cashback you'll need to pay in £500 a month (any interest paid, and payments between Santander personal accounts you’re named on won't count towards this) and have 2 active Direct Debits.


Monthly interest

You can earn monthly interest of 1.50% AER   / 1.49% gross   (variable) on your balance up to £20,000.


You can earn 1-3 % cashback can be earned on household bills paid by Direct Debit every month.

Cashback is paid monthly.


Household bills


Water bills

Council tax bills

The first £1,000 you pay towards your Santander residential mortgage.


Gas and electricity bills

Santander Home Insurance premiums (policies administered and underwritten by Aviva Insurance Limited)

Santander life protection premiums (policies administered and underwritten by Aviva Life & Pensions UK Limited).


Mobile and home phone bills, broadband and paid for TV packages


  • Find out which suppliers you can earn cashback with as well as other exclusions

Other account information

Key Documents

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

You can apply if

You are over 18 and live in the UK permanently.

You may only hold a maximum of two 1|2|3 Current Accounts, one in your own name and one in joint names.

Ways to bank with us

24/7 banking on all your devices. You can switch to paper free statements and set up personalised account alerts.

  • Online banking
  • Mobile banking app
  • register to receive mobile-to-mobile payments with Paym
  • 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

  • In branch
  • Telephone banking
  • ATM
  • Post Office

Overdraft alerts

We’ll send you alerts about your balance and payments to help you avoid charges.

You can manage your alert settings through online banking, calling us on 0800 9 123 123 or visiting a branch.


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.

Existing customers

This account also comes with

£300 ATM withdrawal per day

Online  & mobile banking with text and email alerts

Access to the Santander branch network 

Why choose Santander?

Switch quickly and easily 

We offer a simple, reliable and stress-free way to switch your account to a new or existing Santander account.

Switching to Santander

Not sure which current account is right for you? View all current accounts

Ready to apply for a 1|2|3 Current Account?

Apply online in 10 minutes

Information correct as at 17 October 2018.

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. Santander and the flame logo are registered trademarks.