Everyday Current Account

There’s no monthly fee to maintain the account.
The Fee Information Document details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary

The Arranged Overdraft Usage fee will depend on the amount you use.

The Everyday Current Account has a monthly cap for Unarranged Overdraft Fees of £50. This means that if you incur any Unarranged Fees (including fees for allowing or refusing a payment due to lack of funds) in any monthly statement period, they will never be more than £50 in total.

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

We have other 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’re over 18 and live in the UK permanently.

You can access the Everyday Current Account anytime, anywhere:

• Online Banking
• Mobile Banking app
• 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

Accounts opened from 18 December 2019 will be automatically registered for free alerts about account balance and payments to help you avoid arranged and unarranged overdraft charges. We’ll send them as texts to the mobile number you’ve registered with us, so please make sure it’s up-to-date. If you have Mobile Banking we may also choose to send you alerts as notifications there.

From 18 December 2019, we’ll no longer automatically register accounts to receive unarranged overdraft alerts by email, but we will send them by text if you’ve provided a mobile number. If you already receive these alerts by email, this will continue.

You can manage your alert settings through Online Banking, calling us on 0800 9 123 123 or visiting a branch.

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.

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