- No monthly fee
- Personalised rewards
- Optional arranged overdraft (subject to status)
Join Santander UK’s 14 million active customers and manage your money with our award-winning mobile app:
Get £180 when you switch to our Everyday Current Account
Find out how you can get your £180
Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply.
Our Everyday Current Account comes with
Access to our Regular Saver
Open our Regular Saver account for 5.00% AER/Gross interest fixed for 12 months. Save up to £200 per month.
No monthly fee
Enjoy all the perks of our Everyday Current Account, with no monthly account fee.
Santander Boosts
Enjoy cashback, vouchers, prize draws and personalised offers, with our free rewards service
Arranged overdraft
Short-term borrowing for those unexpected costs. Subject to status – learn more about overdrafts in the FAQs section below.
Travel Benefits
Use Santander cash machines without any fees, even when travelling.
Stress-free switching
Switch your account within 7 days, with the Current Account Switch Service
Why choose the Everyday Current Account?
- No monthly fee: Manage your money easily, with no minimum funding or monthly account fee to keep the account up and running.
- Eligibility: You must be at least 18 years old and live in the UK permanently.
You'll need proof of ID and proof of address to open this account.
Before you apply, check the list of ID we’ll accept.
Everyday Current Account FAQs
There is no monthly account fee.
Our Fee Information booklet (PDF - 562 KB) explains the fees and charges, including those for using an overdraft.
For details of our terms and services, take a look at our Glossary
You can apply for an arranged overdraft with the Everyday Current Account. Approval is subject to status. It lets you borrow though your current account for short–term costs or emergencies, and isn’t generally suitable for long-term borrowing. You may be charged for using an overdraft. How you manage your overdraft, for example if you don’t pay interest and charges on time, may affect your credit record. This could make it harder to get credit with us or other providers in the future. Find out more about overdrafts
Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. We may ask you to repay all or part of your overdraft at any time but we'll try to notify you of this in advance.
An arranged overdraft is when we let you borrow up to a pre-agreed limit – you can ask for one when you open your account or at any other time.
An unarranged overdraft occurs when your account goes overdrawn without an arranged overdraft in place or if your account goes over your arranged overdraft limit.
When you try to make a payment that would take you into an unarranged overdraft, we make the decision whether to allow or reject the payment based on your individual circumstances. If we allow a payment, it will take you into an unarranged overdraft. We don’t charge fees for allowing or refusing a payment due to lack of funds.
Am I eligible? How much will it cost?
Is the eligibility checker right for me?
Already completed the eligibility checker? You can retrieve your previous decision
The table below shows you how you’ll be charged for using your overdraft.
How does our overdraft compare? The purpose of a representative APR is to enable customers to compare the costs associated with different credit products.
| Arranged overdraft interest and charges | Representative 39.94% APR/ EAR (variable) |
|---|---|
| Unarranged overdraft interest and charges | Representative 0% APR/ EAR (variable) |
If you're switching from another bank to an account with us, there’ll be no arranged overdraft interest charged for the first 4 months.
Please note that if you request an overdraft with this account, the amount we offer may be lower than the amount requested. We will ask you to confirm that you’re happy to go ahead before we open your account.
Representative example
We offer other current accounts with different overdraft interest rates or without the option for an overdraft facility. We also have different 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.
Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.
Account alerts
We'll send you free alerts when:
- you make a payment that may take your account into an unarranged overdraft
- you make a payment that may take your account into an arranged overdraft
- 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 before your account's charged so you have time to pay in money to avoid or reduce these charges. 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.
We won't charge you when you use your Everyday Current Account debit card to make withdrawals at Santander cash machines abroad. You'll find our cash machines in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay, and the USA. Make sure you choose to pay in the local currency to avoid being charged any other fees. For more details on how we can help you whilst travelling visit our travel support page
Key documents
- Everyday Current Account Key Facts Document (PDF - 367 KB)
- Everyday Current Account Fee Information Document (PDF - 562 KB)
- General Terms & Conditions (PDF - 770 KB)
- Switcher Terms & Conditions (PDF - 59 KB)
To view these documents you may need to download Adobe Reader
Am I eligible for the Everyday Current Account?
To be eligible for the Everyday Current Account, you must be at least 18 years old and live in the UK permanently.
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
You can access the Everyday Current Account anytime, anywhere:
- My Money Manager
- Online Banking
- Mobile Banking app
- Get personalised spend insights with My Money Manager
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:
- Post Office
- Telephone Banking
- ATM
- Post Office
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
Statements
We'll add your monthly statement to your mailbox in Mobile Banking. In Online Banking, you can find it in your 'Statements and documents’. You can update your paper-free preferences in Mobile and Online Banking.
You can ask for paper statements in branch, by phone or Chat. You can choose to get them every month or every 3 months. You can also ask for your statements in an alternative format, such as braille.
If you already have a current account with us and you’d like to change it to the Everyday Current Account, you can change your account online
This means your account number, card and PIN all stay the same.
The Everyday Current Account comes with a contactless debit card
This means you can make fast, secure payments by simply tapping your card on contactless-enabled terminals. It's a convenient feature included with all Santander bank accounts, making everyday spending quicker and easier.
Will you be approved?
Apply using our Mobile Banking app, and you can check if you’re likely to be approved. Its quick, easy, and won’t impact your credit score.
Boost up your life
With cashback, discounts and special offers that match your interests. All you need to do is sign up for Boosts through your Mobile Banking app or in Online Banking and you’ll be able to choose the offers you like and earn rewards when spending at your favourite retailers
My Money Manager
If you’re trying to be better with your money, My Money Manager is designed with you in mind. Now, as well as banking on the go, our mobile banking app lets you get tailored insights into how you spend.
Digital banking with us
Whether that’s using Online Banking or our Mobile Banking app, we offer a secure way to access and manage your banking needs 24/7.
How do I switch to Santander?
Choose to switch to us when you apply, or anytime after opening a Santander account. We’ll do the hard work, like closing your old account and moving payments. It’s simple, reliable and stress-free.
How to get your £180
Get a £180 welcome when you switch your current account using the Current Account Switch Service
Open an Everyday current account.
Request a switch before we remove our offer. Make sure the details you give us are correct and match those at your old bank.
Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500.
Need to update anything? Do it before you switch. Want to find out more? Check out our switcher page
Only available if you didn’t hold a Santander current account on 1 January 2025, or if you haven’t previously received a Santander switcher incentive. Offer may be withdrawn at any time. T&Cs apply.
Information correct as at 28 April 2026.