What you can get
- A top-up Santander debit card (not contactless) for everyday spending
- A cash card
- Pay in any income and bills
- Set up Direct Debits and standing orders
- Earn up to 15% cashback with Retailer Offers. Just switch on, choose your offers and shop with your Santander debit card
Eligibility
- You’re 16 or over
- You live in the UK
- You don’t already have a Basic Current Account, or more than one other current account with Santander
There’s no monthly fee to maintain the account.
The Fee Information Document (1.84 MB) details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary
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.
Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.
You’ll be automatically set up to receive text alerts when:
- your balance falls below zero
- you have regular payments due on your account for which you have insufficient funds to cover, we will ask you to pay into your account to ensure these payments are made;
- where a payment is refused as you don’t have enough funds.
If we don’t have a valid mobile number for you, we might not be able to reach you.
You can also register for other account alerts to help you to stay on top of your finances. For example, alerts to advise you when your balance has fallen below a set limit, or you have had a deposit into your account greater than a set amount.
For more information visit Account alerts
You can manage your alerts settings at any time by using Online Banking, calling us on 0800 9 123 123 or visiting a branch.
If you need support with managing your money or if you’re in debt, please visit our money worries page for further support.
This account is designed to help you manage your money and build up your credit history. You can have your income paid into the account, set up Direct Debits and standing orders to pay bills. This account comes with two separate bank cards, which means that you can keep track of your spending money after you’ve paid for the essentials.
The account comes with:
- A cash card
- A top-up Santander debit card (not contactless) for everyday spending
The account doesn’t come with:
- An overdraft facility
- Contactless payments
- The ability to use automated/pay at pump petrol stations – but you can pay over the counter at petrol stations
- The ability to use a card for a deposit for car hire, parking or vending machines and recurring and instalment transactions such as magazine subscriptions
- A chequebook
You can use this card to withdraw money from an ATM or Santander branch, as long as you have enough money in your account. You can’t use this card to spend in shops or online.
You’ll also find your bank account details on this card so that you can use them to set up:
- Direct Debits
- Standing orders
- Faster payments
- International payments
- Benefit payments
Once you know how much money you’ll need for your bills or other payments you can transfer any money to and from your top-up card by:
- Logging on to Online and Mobile Banking
- Calling us on 0800 9 123 123 (+44 1908 237 963 outside the UK)
- Visiting any Santander branch or ATM
You’ll only be able to spend or withdraw the amount of money you’ve transferred onto the card. Once you have the money on the card, you can use it to:
- make purchases online, or in stores
- make cash withdrawals using any UK Link cash machine or Cirrus ATMs worldwide
Fees may apply when you withdraw cash from outside the UK or make purchases in any other currency than pounds.
- You’re 16 or over
- You live in the UK
- You don’t already have a Basic Current Account, or more than one other current account with Santander
Retailer Offers makes it easier to earn a little extra from a variety of Retailers. Once you switch on Retailer Offers in Online or Mobile Banking, you’ll be able to choose the offers you’re interested in and earn up to 15% cashback just by using your Santander debit card.
24/7 banking on all your accounts. You can amend your statement settings and set up personalised account alerts.
- Online Banking
- Mobile Banking
- Get personalised spend insights with My Money Manager
Face-to-face support in branch and UK-based telephone support
- In branch
- Telephone Banking
- ATM
- Post Office to make withdrawals, balance enquiries, cash deposits and cheque deposits
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
Switch quickly and easily
We offer a simple, reliable and stress-free way to switch your current account to a new or existing Santander account
Information correct as at 5 May 2020.