Basic Current Account

There’s no monthly fee to maintain the account. 
The Fee Information Document (137 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

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. If you require further support please contact us or visit your local branch

If you need support with managing your money or if you’re in debt, please visit our money worries page for further support.

You can have your income paid into this account and set up Direct Debits and standing orders.

Fees may apply if you withdraw cash from outside the UK or make purchases in any currency other than pounds.  

If you have a Basic Current Account with a top-up debit card that was opened or applied for before 2 February 2022 take a look at the documents for this account

• 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

You can’t use your non-contactless debit card: 

• for recurring and instalment transactions (this includes subscription services) 
• at pay at the pump petrol stations (but you can use the top-up card over the counter at petrol stations) 
• for car hire deposits, parking or vending machines. 

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.