Everyday Current Account

A simple and straightforward current account, with no monthly fee

Everyday Current Account Image

What you can get for no monthly fee

  • No minimum monthly funding or monthly fee to maintain the account
  • 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


Account fee

There’s no monthly fee to maintain the account.
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


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

Arranged overdraft fee



£1 a day

£2 a day

£3 a day

Below £2,000

£2,000 to £2,999.99

£3,000 and over

Unarranged overdraft fee

£6 a day

Fee for allowing a payment
despite lack of funds

£10 per transaction

Fee for allowing or 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, they will never be more than £50 in total.

Representative example

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.

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


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 AppleAndroid 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


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.

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
Defaqto standard current account


Defaqto 5 star CA switch service 2018
Current account switch guarantee

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

Switching to Santander

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 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 are applying on behalf of other applicants you must have their authority to act on their behalf. During the application you will be asked if you want to hear about products, services and offers that may 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 amend 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.


Information correct as at 11 January 2019.