Everyday Current Account

A simple and straightforward current account, with no monthly fee

Apply in 10 minutes

What you can get

for no monthly fee to maintain the account

    • No minimum monthly funding
    • Arranged Overdraft facility (subject to status)
    • Stress-free account switching in 7 days with the Current Account Switch Service
    • Earn up to 15% cashback with Retailer Offers when you use your Santander debit card at a range of major retailers.


    • You're over 18 and live in the UK permanently

Fees and overdrafts

Account fee

No monthly account fee.


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

£6 a day

Fee for allowing a payment despite lack of funds £10 per transaction
Fee for refusing a payment due to lack of funds £10 per transaction


The Everyday Current Account has a monthly cap for Unarranged Overdraft Fees of £50. This means that if you incur any Unarranged Fees (including fees for allowing or refusing a payment due to lack of funds) in any monthly statement period, these will never be more than £50 in total.


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 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

Other account information

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.

Ways to bank with us

You can access the Everyday Current Account anytime, anywhere:

  • 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

Overdraft alerts

We’ll send you alerts about your balance and payments to help you avoid using an unarranged overdraft. 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.

Statements You’ll automatically receive a monthly statement in your “e-Documents” within Online Banking. Paper statements are available, and if requested will be sent once every three months unless you ask for monthly paper statements. You may also request statements in an alternative format, such as braille.

Existing customers

This account also comes with

£300 ATM withdrawal per day

Online and 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 an Everyday 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.