Basic Current Account

Account fee

There’s no monthly fee to maintain the account. 
The Fee Information Document (139 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

Overdraft

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.

Key documents

• Basic Current Account Key Facts Document (pdf) (837 KB)
• Basic Current Account Fee Information Document (pdf) (139 KB)
• General Terms & Conditions (pdf) (289 KB)

To view these documents, you may need to download Adobe Reader (2.41 MB)

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 can apply if

• 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

What you can’t do on your non-contactless debit card 

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. 

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 

Ways to bank with us

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

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.

Fancy a change? You may be eligible to transfer your Basic Current Account to another account that works for you. To find out more, visit your local branch or get in touch with us.

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