The Everyday Current Account comes with
Arranged overdraft
Short term borrowing for those unexpected costs. Subject to status – learn more about overdrafts in the ‘Overdrafts and charges’ section below
Stress-free switching
Stress-free account switching in 7 days with the Current Account Switch Service
Travel benefits
No fees for using Santander cash machines when you travel
Santander Boosts
Get cashback, vouchers, prize draws and personalised offers with our free rewards service
How it works
No minimum monthly funding or monthly fee to maintain the account
You must be 18 and live in the UK permanently
You might need to provide proof of ID, such as photo ID or proof of your address
New to Santander?
New customers can use our Mobile Banking app to apply. Scan the QR code or download the app to get started.
- Get access to your account straight away if you’re accepted.
- You’ll need your passport or a UK driving licence to apply.
If you’re looking for a joint account, to switch an account to us, or you don’t fancy applying through the Mobile Banking app, you can apply on our website
Already a Santander customer?
If you want to open a new current account, you can apply on our website.
If you want to change an existing current account you have with us, you can transfer by logging onto Online Banking.
If you transfer from an old current account we no longer offer, you will not be able to transfer back.
Account details
Account fee
There’s no monthly fee to maintain the account.
The Fee Information Document (PDF - 114 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
Overdraft
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. 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.
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.
Overdraft alerts
You’ll be automatically set up to receive text alerts when:
- your account makes or may make use of an unarranged overdraft
- you have regular payments due on your account and you don’t have the funds to cover them
- where a payment is refused as you don’t have enough funds.
You’ll also be automatically set up to receive an alert when your account goes further into arranged overdraft which may cause the cost to increase.
We’ll send them before your account is charged so that you have plenty of time to pay in money and either avoid or reduce overdraft charges. 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.
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.
Key documents
- Everyday Current Account Key Facts Document (PDF - 467 KB)
- Everyday Current Account Fee Information Document (PDF - 114 KB)
- General Terms & Conditions (PDF - 900 KB)
To view these documents you may need to download Adobe Reader
You can apply if
You’re over 18 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
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.
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.
Get access to the Santander Edge credit card when you have a current account
2% cashback (up to £15 a month) on your everyday spend with the Santander Edge credit card in your first year.
29.8% APR Representative (variable). A monthly fee applies. Credit subject to status.
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.
Information correct as at 2 April 2025.