What you can get
(for a £5 monthly fee to maintain the account)
- Pay at least £500 into your account a month
- 2 active Direct Debits
- You are over 18 and live in the UK permanently
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
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.
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.
Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.
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.
You can earn 1-3% cashback on selected household bills paid by Direct Debit every month.
Cashback is paid monthly.
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
1|2|3 Current Account cashback calculator
This calculator is for illustrative purposes only.
- 1|2|3 Current Account Key Facts Document (pdf)
- 1|2|3 Current Account Fee Information Document (pdf)
- General Terms & Conditions (pdf)
To view these documents you may need to download Adobe Reader
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.
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
- Post Office
Accounts opened from 18 December 2019 will be automatically registered for free alerts about account balance and payments to help you avoid arranged and unarranged overdraft charges. We’ll send them as texts to the mobile number you’ve registered with us, so please make sure it’s up-to-date. If you have Mobile Banking we may also choose to send you alerts as notifications there.
From 18 December 2019, we’ll no longer automatically register accounts to receive unarranged overdraft alerts by email, but we will send them by text if you’ve provided a mobile number. If you already receive these alerts by email, this will continue.
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
This account also comes with
Information correct as at 11 January 2019.