1|2|3 Mini Current Account

Account fee

There’s no monthly fee to maintain the account.

The Fee Information Document (PDF - 114 KB) details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary 

Account alerts

There’s no overdraft facility available with this account.

This means we won't normally let you make a payment out of the account if there isn’t enough money in it. However, there may be times where you make a payment that we can't stop, which will take the account balance below zero. We won't charge you for this.

We'll send you free alerts when:

• you make a payment that takes your balance below zero
• 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 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.

Children aged 0-12

For children under 13 years of age the account must be opened in trust by an adult (trustee). Trustees must be aged 18 or over, have parental responsibility for the child and have a Santander personal current account. After opening the account, the trustee must manage the account on behalf of the child.

Remember, as a trustee you’ll need to bring some proof of your name and address and your child’s name. See a list of acceptable identification

When the child reaches age 11, the trustee can choose:

• To hand over the account to the child
• To transfer money out of the account before handing over control and ownership, so the trustee can decide how much money the child has access to
• To continue to manage the account until the child is 18 years old

To remove the trust status from an existing account, the trustee must visit us in a branch with the child. For new account openings, the trust status can be removed for all children aged 11 and over the day after account opening.

Accounts cannot be opened in trust for children aged 13 or over.
 

Young people aged 13 and older

From the age of 13 to 17, young people must open and manage a 1|2|3 Mini Current Account themselves. Young people can open a 1|2|3 Mini account up until their 18th birthday.

• The account automatically transfers to an adult current account after the holder’s 19th birthday if it hasn’t been transferred to a different Santander current account before this time.
• Before transferring the account to an adult account we’ll give 2 months’ notice.
• The General Terms & Conditions for Current Accounts and Savings Accounts will continue to apply together with any specific conditions in the Key Facts Document for the new account (which we’ll provide to you at the time).

If the trust status isn’t removed by the time the young person is 18, the interest rate on the account will change to 0.10% AER/gross (variable), unless we notify you otherwise. At this point, the account can't be transferred to another account in our range, but the young person can apply for an adult current account in their own name. We’ll get in touch with more information near the young person’s 18th birthday.

Key documents

• 1|2|3 Mini Current Account Key Facts Document (PDF - 416 KB)
• 1|2|3 Mini Account Fee Information Document (PDF - 114 KB)
• General Terms & Conditions (PDF - 900 KB)

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

Santander Boosts

Our free rewards service, Santander Boosts, is available to customers that have a debit or credit card with us and are aged 18 or over. If you're eligible, you'll be able to sign up and use Boosts in Online and Mobile Banking.
 

Ways to bank with us

You can access the 1|2|3 Mini Current Account anytime, anywhere.

• Online Banking
• Mobile Banking

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

• In branch
• Telephone Banking
• ATM (for accounts not held in trust)
• Post Office (for accounts not held in trust) to make withdrawals, balance enquiries, cash deposits and cheque deposits
• For accounts held in your name, the account is for you to manage. If you're one of our younger customers you can ask an adult for any help you might need. However, as it's your account, they won't be able to manage it for you.
• For accounts held in trust, the trustee will be in charge of the account and can manage it through their Online and Mobile Banking
   

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 Security Centre
 

How we manage scam claims

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

If you have a 1|2|3 Mini Current Account and are in or going into your first year of study on an undergraduate course, you can change it to a Santander Edge Student current account online. You must be able to provide your UCAS 4-digit status code.