Everyday Current Account

There’s no monthly fee to maintain the account.
The Fee Information Document (117 KB) details the main fees and charges on this account, including those associated with using an overdraft facility.
For further explanation of our main terms and services take a look at our Glossary

An overdraft lets you borrow through your current account. It’s intended mainly for short term costs or emergencies and isn’t generally suitable for longer-term borrowing. There is a cost associated with using an overdraft. The way you manage your overdraft, for example if you don’t repay your interest and charges regularly, may affect your credit file. This could make it harder or more expensive to get credit with us or other providers in the future.

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.

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.

You’re over 18 and live in the UK permanently.

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 cards.

You can access the Everyday Current Account anytime, anywhere:

• Online Banking
• Mobile Banking app
• Get personalised spend insights with My Money Manager
• Register to receive mobile-to-mobile payments with Paym

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:

• In branch
• Telephone Banking
• ATM
• Post Office

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

You’ll automatically receive a monthly statement in your 'e-Documents' within Online Banking. Paper statements are available, and if requested will be sent once every three months unless you ask for monthly paper statements. You may also request statements in an alternative format, such as braille.