Santander Edge® Explorer current account

Enjoy more, worry less. Protection and perks for you and your family

Our Santander Edge Explorer current account comes with

Travel Insurance

Worldwide cover for you and your family’s travels – including winter sports

Provided by Chubb

 

Breakdown cover

UK and European breakdown cover – whether you’re the driver or passenger

Provided by Allianz

 

Cashback

1% cashback on selected household bills - up to £10 a month.

Plus 1% cashback at supermarkets and on travel costs - up to £10 a month.

(exclusions apply)
 

24/7 GP remote access

24/7 remote access to a GP in the UK for you and your family

Arranged by Chubb and provided by Teladoc

 

Mobile phone insurance

Cover for you and your family’s mobile phones – whether they break down, are lost, stolen or accidentally damaged

Administered by Likewize and underwritten by Aviva Insurance Limited

 

Freeze the overseas fees

We won’t charge you for using your Santander Edge Explorer debit card outside the UK

Plus, access to a savings account with an exclusive rate – Santander Edge saver

 

How it works

Pay a £17 monthly fee to maintain the account. We’ll take the first fee the month after you open the account and then do this every month until your account is closed

To open an account, you must be 18-73 years old and live in the UK permanently (this applies to both people for joint accounts)

If it’s a joint account, you must both live at the same address

You can only have one Santander Edge® Explorer current account

If you have other insurance, you might be paying for more than you need. You won't be able to make the same claim twice

Once you are 75 years old, you are no longer eligible for the travel insurance benefit.

You might need to provide proof of id, such as photo ID or proof of your address

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Already a customer?

Upgrading your existing Santander current account to Edge Explorer is simple.

It takes minutes to do in our Mobile Banking app. Your account details, such as your sort code, account number and PIN, will stay the same, but you'll get all the perks of our Edge Explorer account.

Mobile Banking

  1. Select 'Products and offers' from the quick links at the top of the home screen.
  2. Select 'Current accounts'.
  3. Select 'Change your Santander account' and follow the steps on screen.


If you’re looking for travel insurance without all the benefits of the Santander Edge Explorer current account, visit our travel insurance page

Provided by Chubb

Account details

Account fee

There’s a £17 monthly fee to maintain the account. We’ll take the fee from your account each month on the anniversary of the date you opened it. We’ll start charging this fee the month after you open the account. We’ll then do this every month until your account is closed. We’ll charge this fee even if you don’t use the benefits available with this account.

The Fee Information Document (PDF - 263 KB) explains the main fees and charges for this account, including those for using an overdraft.

To learn more about some of the common terms we use, 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’s also a cost for using an overdraft. The way you manage your overdraft might affect your credit file. For example, if you don’t repay your interest and charges regularly, it could be 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. You must repay any overdraft when we ask, in line with our General Terms and Conditions. We might ask you to repay all or part of your overdraft at any time. 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 is 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 when you don’t have enough money in the account, we decide whether to allow or reject the payment based on your circumstances. If we allow a payment, it’ll take you in to 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? Find your previous decision

Below shows you how you’ll be charged for using your overdraft. 

Arranged overdraft interest and charges:
Representative 39.94% APR / EAR (variable)

Unarranged overdraft interest and charges:
Representative 0% APR / EAR (variable)

How does our overdraft compare? We show a representative APR so you can compare the costs of different credit products.

If you’re switching to us from another bank, you won’t be charged arranged overdraft interest 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 might 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 mortgage customers. Learn more about our borrowing options

There are other charges with this account. Please see our terms and conditions for details.

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.

International and CHAPS payments

  • You can make international payments or domestic CHAPS payments with no extra fees from us. We won’t charge you the usual £25 fee. The bank receiving the payment might still apply charges. These are outside our control.

Using your debit card outside the UK

We won’t charge you for using your Santander Edge Explorer debit card to withdraw cash or make payments in the local currency outside the UK. (We'll apply a 0% foreign currency conversion fee.)

It might take up to 3 working days for the 0% foreign currency conversion fee to be applied after you’ve opened or transferred to the Santander Edge Explorer current account. If you use your Santander Edge Explorer debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable.

We'll apply the current Mastercard exchange rate to any purchases or cash withdrawals you make in the local currency.

Please note that local banks might charge their own fees when you use one of their cash machines and you should make sure you understand what these are before making a withdrawal.

Have a look at the Fee Information Document (PDF - 263 KB) for more information.
 

You can earn 1% cashback on:

  • some household bills, when you pay them by Direct Debit, and
  • some supermarket and travel costs when you pay with your Santander Edge Explorer debit card.

Household bills

You can earn 1% cashback on:

  • Council tax bills
  • Mobile and home phone bills
  • Broadband and paid-for TV packages
  • Gas and electricity bills
  • Water bills

Cashback isn’t paid on TV licences, LPG or Calor gas, maintenance contracts (e.g. boiler repair cover) or for commercial use.

Find out which suppliers you can earn Direct Debit cashback with.

Essential spend

You can earn 1% cashback on:

  • Supermarkets purchases in the UK
  • Travel
  • Fuel
  • Train and bus tickets
  • Electric vehicle charging

Flights aren't included.

Find out more about which suppliers you can earn debit card cashback with.

You’ll start earning cashback on eligible purchases from the month when your account is opened. We’ll pay your cashback each month and it’s capped at £10 per month for essential spend and £10 a month for household bills.

Get an estimate of how much cashback you could earn based on your spending with the Santander Edge Explorer current account by visiting our cashback calculator page.

  • You should think about whether you already have Santander accounts that give you similar cashback. If you do, you should consider transferring your existing account to this one. If you keep more than one account that pays cashback, you could pay more in fees than you would earn in cashback.

 

Do you have one of these accounts with us?

Household bills

How much do you pay by Direct Debit for the following each month?

For council tax Direct Debits we have assumed you will make 10 monthly Direct Debit payments.

Santander products

If you have a 1|2|3 or Select Current Account, how much do you spend on the following each month?

Cashback available to eligible new and existing Santander Home Insurance policies (administered and underwritten by Aviva Insurance Limited) and Santander life protection premiums (policies administered and underwritten by Aviva Life & Pensions UK Limited).
Mortgage cashback applies to Santander UK plc mortgages.

Debit card spending

If you’re thinking about opening a Santander Edge Explorer current account, how much do you spend on the following each month?

Account balance

Santander Edge saver

Only available to customers that open the Santander Edge or Santander Edge Explorer current account. This calculator shows the monthly interest from a Santander Edge saver based on the interest including the introductory bonus rate for 12 months from opening.
  • Monthly Direct Debit cashback £XX.XX
  • Monthly Interest (on account balance) £XX.XX
  •  
  • Monthly estimated earnings £XX.XX
  • Monthly account fee £XX.XX
  • Monthly estimated earnings after the fee £XX.XX
  • Yearly estimated earnings after the fee £XX.XX
  • Monthly Direct Debit cashback £XX.XX
  • Monthly Interest (on account balance) £XX.XX
  •  
  • Monthly estimated earnings £XX.XX
  • Monthly account fee £XX.XX
  • Monthly estimated earnings after the fee £XX.XX
  • Yearly estimated earnings after the fee £XX.XX
  • Monthly Direct Debit cashback £XX.XX
  • Monthly Interest (optional savings) £XX.XX
  •  
  • Monthly estimated earnings £XX.XX
  • Monthly account fee £XX.XX
  • Monthly estimated earnings after the fee £XX.XX
  • Yearly estimated earnings after the fee £XX.XX
  • Monthly Direct Debit cashback £XX.XX
  • Monthly Interest (on account balance) £XX.XX
  •  
  • Monthly estimated earnings £XX.XX
  • Monthly account fee £XX.XX
  • Monthly estimated earnings after the fee £XX.XX
  • Yearly estimated earnings after the fee £XX.XX
  • Monthly Direct Debit cashback £XX.XX
  • Monthly Debit card cashback £XX.XX
  • Monthly Interest (optional savings) £XX.XX
  • Monthly estimated earnings £XX.XX
  • Monthly account fee* £XX.XX
  • Monthly estimated earnings after the fee £XX.XX

*The £17 fee to maintain the Edge Explorer current account also allows you access to a range of insurance benefits. Take a look at our Edge Explorer page for more details.

Your current account documents

Your insurance documents

To view these documents, you might need to download Adobe Reader

Open and managing the account

You can apply if:

  • You’re 18-73 years old and live in the UK permanently
  • If it’s a joint account, you must both live at the same UK address. Both of you will be able to manage the account and access the features. The monthly account fee is £17 for both a single or joint account
  • You can only have one Santander Edge Explorer current account, either in single or in joint names.

Ways to bank with us

You can access the Santander Edge Explorer current account anytime, anywhere.

  • Online Banking
  • Mobile Banking
  • Get personalised spend insights with My Money Manager
  • Contactless payments with your mobile by linking your Santander debit or credit card to your AppleAndroid or Samsung device.
  • With our Mobile Banking App and Online Banking, it’s easy and convenient for you to manage your insurance benefits or make a claim.

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

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.

Statements and other information

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.

We'll send you digital copies of your insurance documents too. Unless you tell us you want them sent another way. Your insurance providers will do the same.

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 fraud and security pages

How we manage scam claims

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

Having our Santander Edge Explorer current account means you can apply for our Santander Edge saver. It pays 6.00% AER* / 5.84% gross** (variable) interest on balances up to £4,000. This includes a bonus rate of 2.50% AER* / 2.47% gross** (variable) for the first 12 months after you open the account.

  • You’ll need to apply for the Santander Edge saver separately, after you’ve opened your Edge Explorer.
  • You'll need to apply through Online or Mobile Banking. If you're new to Santander, or don't already use these, we'll send your log on details within 7-10 days of your new current account being opened.
  • You can have one Santander Edge saver for each Santander Edge or Santander Edge Explorer current account you have.
  • The Santander Edge saver can only be held in a single name. If you have a joint Santander Edge Explorer current account, you can each have a Santander Edge saver in your own name.
  • You’ll need to continue to hold a Santander Edge or Santander Edge Explorer current account to keep your Edge saver. If you close your current account, then we might close your Edge saver or switch you to a lower rate.

Learn more about the Santander Edge saver

* AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

** The gross rate is the interest rate we pay where no income tax has been taken off. Rates might change and we pay interest each month.
 

Tap or click the image below to discover the benefits

Will you be approved?

Apply using our Mobile Banking app, and you can check if you’re likely to be approved. Its quick, easy, and won’t impact your credit score.


Need further support with your Santander Edge Explorer current account?

Visit our support page to find answers to questions, step-by-step guides, and tips to get the most out of your Santander Edge Explorer current account.

More support

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

 

Digital banking with us

Whether that’s using Online Banking or our Mobile Banking app, we offer a secure way to access and manage your banking needs 24/7.
 

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

Information correct as at 23 September 2025.

Important documents

Read and consider these documents before you apply (you can print or save them). We’ll email you copies when you submit.

We may carry out a credit check when you apply.​

 

Your insurance documents

Insurance benefits

This account comes with the following insurance benefits:

  • Worldwide family travel insurance (excluding Cuba), administered and underwritten by Chubb European Group SE
  • UK and European breakdown cover, underwritten by AWP P&C SA and administered by Allianz Assistance, a trading name of AWP Assistance UK Ltd
  • Worldwide family mobile phone insurance, administered by Likewize and underwritten by Aviva Insurance Limited

Before you start your application

Take time to read the Insurance Product Information Document (PDF - 283 KB) and the Insurance Policy Wording Booklet (PDF - 4.07 MB) for more detailed information about the policy before you continue. This is especially important if there are specific areas where cover is important to you to make sure this policy meets your needs.

Travel Insurance

If you, or anyone to be insured under the policy have any pre-existing medical conditions, you’ll need to declare these as soon as your account is open. Chubb will let you know if they can provide cover for these and if so, how much it’ll cost.

If you want to discuss  pre-existing medical conditions before you apply, you can contact Chubb on 0800 519 8034.

Also, please note you or anyone to be insured under this policy won’t be covered if they’ve been diagnosed with a terminal condition, or if they’re travelling to obtain medical treatment against medical advice.

I understand that my personal data will be shared with Santander’s insurance providers so that they can provide me with the Santander Edge Explorer insurance benefits. This will include information you provide to us in your application such as your name, address and date of birth. We will also share with the travel insurance provider, Chubb, if you tell us that you or someone else insured under this policy has any pre-existing medical conditions. This is so that they can remind you to complete your medical screening.

Please see their privacy notices included in the Insurance Policy Wording Booklet (PDF - 4.07 MB) for full information on how they will use your data.
 


You’ll need to pay a £17 monthly fee to maintain this account.

We’ll take the fee from your account each month on the anniversary of the date you opened it. We’ll start charging this fee the month after you open the account. We’ll then do this every month until your account is closed. We’ll charge this fee even if you don’t use the benefits available with this account.

Please note that if you request an overdraft with this account, the amount we offer might be lower than the amount requested. We will ask you to confirm that you’re happy to go ahead before we open your account.
 

Continue
Apply for a joint account


Important information:

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.

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