- Up to £15 cashback on selected household bills
- Earn interest on your balance up to £25,000
- Use your card abroad with no fees from us
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 Santander Edge Up 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 Santander Edge Up current account comes with
Cashback on your bills
1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit
Monthly interest
Monthly interest of 2.10% AER / 2.08% gross (variable) on balances up to £25,000. Rates subject to change
Arranged overdraft
Short term borrowing for those unexpected costs. Subject to status – learn more about Overdrafts in the ‘Overdrafts and charges’ section below
Travel benefits
We won’t charge you for using your Santander Edge Up debit card outside the UK – Learn more in the ‘Travel’ section below
Santander Boosts
Get cashback, vouchers, prize draws and personalised offers with our free rewards service
Use our calculator to find out how much you could earn in cashback and interest with the Edge Up current account.
How it works
Pay a £5 monthly fee to maintain the account
Pay at least £1,500 into your account each month
Have 2 active Direct Debits
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.
Account details
Account fee
There’s a £5 monthly fee to maintain the account. It’s paid from your account automatically each month.
The Fee Information Document (PDF - 257 KB) explains the main fees and charges for this account, including those for using an overdraft.
To learn more about some of the common terms we use, 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’s also a cost for using an overdraft. The way you manage your overdraft may affect your credit file. For example, if you don’t repay your interest and charges regularly, it could be harder or more expensive to get credit with us or other providers in the future.
Overdrafts depend on your circumstances. 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. 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 is 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 when you don’t have enough money in the account, we decide whether to allow or reject the payment based on your circumstances. If we allow a payment, it’ll 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? Find your previous decision
The table below shows you how you’ll be charged for using your overdraft.
| Arranged overdraft interest and charges | Representative 39.94% APR/ EAR (variable) |
|---|---|
| Unarranged overdraft interest and charges | Representative 0% APR/ EAR (variable) |
How does our overdraft compare? We show a representative APR so you can compare the costs of different credit products.
If you’re switching to us from another bank, you won’t be charged arranged overdraft interest 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
If you use an arranged overdraft of £1,200, you’ll be charged an interest rate of 39.94% APR/EAR (variable). Actual credit limit may differ.
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 mortgage customers. Learn more about our borrowing options
There are other charges with this account. Please see our terms and conditions for details.
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.
International and CHAPS payments
- You can make international payments with no extra fees from us. The bank receiving the payment may still apply charges.
- There’s no charge for making CHAPS payments from your Santander Edge Up current account.
Monthly interest
Monthly interest of 2.10% AER / 2.08% gross (variable) on balances up to £25,000.
Rates are displayed to 2 decimal places. Interest is calculated daily and paid monthly
Cashback
You can earn 1% cashback on some household bills, when you pay them by Direct Debit.
| Household bills | |
|---|---|
| 1% cashback | Council tax bills Mobile and home phone bills Broadband and paid-for TV packages Gas and electricity bills Water bills |
Cashback isn’t paid on TV licences, LPG or Calor gas, maintenance contracts (e.g. boiler repair cover) or for commercial use.
Find out which suppliers you can earn Direct Debit cashback with.
Qualifying for interest and cashback
You'll need to pay £1,500 a month into your Santander Edge Up current account to get cashback and interest. Any interest paid, and payments between Santander personal accounts you’re named on won't count towards this. You also need to have 2 active Direct Debits on the account.
We’ll pay your cashback each month and it’s capped at £15 per month for household bills.
Before you apply for the Santander Edge Up current account, you should think about whether you already have Santander accounts that give you cashback on household bills paid by Direct Debit.
If you have more than one cashback account, you could pay more in fees than you would earn in cashback and interest.
Changes to our 1|2|3 and Select current accounts – from 11 May 2026.
The monthly fee is increasing from £4 to £5 on 11 May 2026. Get an estimate on how this will affect your account from 11 May 2026.
We won’t charge you for using your Santander Edge Up debit card to withdraw cash and make payments in the local currency outside the UK. (We’ll apply a 0% foreign currency conversion fee.)
It may take up to 3 working days for the 0% foreign currency conversion fee to be applied after you’ve opened or transferred to the Santander Edge Up current account. If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable.
We'll apply the current Mastercard exchange rate to any purchases or cash withdrawals you make in the local currency.
Please note that local banks may charge their own fees when you use one of their cash machines and you should make sure you understand what these are before making a withdrawal.
You can also send money to friends and family abroad from your Santander Edge Up current account with no extra fees from us for the international payment. The bank receiving the payment may still apply charges.
Have a look at the Fee Information Document (PDF - 257 KB) for more information.
Key documents
- Santander Edge Up current account Key Facts Document (PDF - 485 KB)
- Santander Edge Up current account Fee Information Document (PDF - 257 KB)
- General Terms & Conditions (PDF - 770 KB)
- Switcher Terms & Conditions (PDF - 59 KB)
To view these documents, you may need to download Adobe Reader
You can apply if:
- you’re over 18
- you live in the UK permanently.
You may only hold a maximum of two Santander Edge Up current accounts and Private Current Accounts (v2), one in your own name and one in joint names.
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
24/7 banking on all your devices with Online Banking and our Mobile Banking app.
- Set up personalised account alerts.
- Get personalised spend insights with My Money Manager
- Pay with your phone by linking your debit card to your Apple, Android or Samsung device.
Face-to-face support in branch and UK-based telephone support.
- Visit your nearest branch
- Telephone Banking
- Cash machines
- 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 fraud and security pages
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 Santander Edge Up current account, you can change your account online
Your account number, card and PIN will all stay the same.
The Santander Edge Up 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.
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 a Santander Edge Up 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.
Not sure which current account is right for you? View all current accounts or compare our range of current accounts
Apply for a Santander Edge Up current account
We'll start by sharing some important information and documents you'll need. This helps prepare everything in advance and makes the whole process smoother for you. To apply you must be 18+ and live in the UK.
Transfer my existing Santander account Open a Santander Edge® Up current account
Apply for a Santander Edge Up current account
We'll start by sharing some important information and documents you'll need. This helps prepare everything in advance and makes the whole process smoother for you. To apply you must be 18+ and live in the UK.
Important documents
Read and consider these documents before you apply (you can print or save them). We’ll email you copies when you submit. We’ll carry out a credit check when you apply.
Santander Edge Up current Account Key Facts Document (PDF - 485 KB)
Fee Information Document (PDF - 257 KB)
Switcher Terms & Conditions (PDF - 59 KB) (Applicable if you’re switching your account)
General Terms & Conditions (PDF - 770 KB)
Apply for a joint account Continue
Important information:
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.
If you’re applying on behalf of other applicants, you must have permission to act on their behalf, for example as Power of Attorney or Deputy. If this is the case, please make sure you use their details during the application. If you’d like to be registered to act on the accounts, complete our Power of Attorney registration form online or call 0800 414 8414 if you’re already registered.
During the application, you’ll be asked if you want to hear about products, services and offers that might be of interest. Please note, the preferences you select will apply to all applicants and will override any previous preferences given.
Before applying for this product you should consider any future changes to your financial circumstances that may impact your ability to manage this account.
Information correct as at 28 April 2026.