What you can get for no monthly fee
- No minimum monthly funding or monthly fee to maintain the account
- Arranged Overdraft facility (subject to status) - learn more in the 'Overdrafts and charges' section below
- £160 cashback when you switch your account to us
- Stress-free account switching in 7 days with the Current Account Switch Service
- Earn up to 15% cashback with Retailer Offers. Just switch on, choose your offers and shop with any of your Santander cards
Eligibility
- You're over 18 and live in the UK permanently
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.
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.
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.
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.
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.
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 £160 cashback when you switch your current account to Santander
When you switch to the Everyday Current Account using the Current Account Switch Service, we’ll give you £160 cashback. All you need to do is choose the option to switch your account in the online application and meet the eligibility criteria below. We’ll take care of the rest.
Within 60 days of telling us to switch your account, you’ll need to:
- have successfully completed the switch, which includes closing the account not held with us
- set up at least 2 active Direct Debits (this cannot include Direct Debits set up to fund a savings account you have with Santander, cahoot or Cater Allen)
- pay at least £1,000 into the account, and
- log on to Online or Mobile Banking (with details for your personal account, not details for a business account).
If you're an existing Santander current account customer we can also arrange to switch a current account you hold elsewhere to your current account with us. To do this, please visit our branch locator page to find your nearest branch. You may need to book an appointment before your visit, which you can do through this page as well.
To find out more about switching and the £160 cashback offer, including the full terms and conditions (32 KB) visit our switching page
This account also comes with
Switch quickly and easily
We offer a simple, reliable and stress-free way to switch your current account to a new or existing account with us
Information correct as at 2 August 2022.