Select Current Account

There’s a £5 monthly fee to maintain the account. We take it from your account automatically each month. 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 first £500 is fee-free.

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage fee of £1 per day on overdraft limits between £500.01 and £1,999. If you’re switching to Santander 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.

If you try to make a payment that would take you into an unarranged overdraft, we’ll decide whether or not to pay it depending on your circumstances.

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 can earn monthly interest of 1.50% AER/1.49% gross (variable) on your balance up to £20,000.

Interest is received gross, with no income tax deducted. Take a look at our information pages to learn more

You can earn 1-3% cashback on selected household bills paid by Direct Debit every month. Cashback is paid monthly.

Find out which suppliers you can earn cashback with as well as other exclusions

• You’re 18 or over and live in the UK permanently
• Either pay your main income of at least £5,000 a month into your Select Current Account (excluding transfers from other Santander accounts) or keep £75,000 in any Santander investment(s), savings or current accounts

You can have a maximum of 2 Select Current Accounts and 1|2|3 Current Accounts, 1 in your name and 1 in joint names.  

We’ll check regularly that you’re still eligible for the Select Current Account. If you no longer meet the criteria, we’ll contact you to explain your options

• Access to support abroad, including Select Embassy branches,  which can offer you assistance in your home language and help you with international emergency calls and meeting room access (subject to availability).
• Emergency cash advance within 24 hours if your card is lost or stolen abroad. Available worldwide except Cuba, India, Iran, North Korea, Sudan, Syria and Turkmenistan.
• Cash withdrawal in a foreign currency outside the UK: we’ll waive the 2.75% foreign exchange fee and £1.99/1.5% cash handling fee when you use Santander-branded cash machines in Germany, Spain, Poland, Portugal, Argentina, Chile, Mexico, Puerto Rico, Uruguay, USA and Brazil. Please choose the option to transact in the local currency to avoid being charged fees.
• Preferential rates on savings and mortgages and discounts on insurance products 
• Exclusive Santander Select debit card

• Online Banking
• Mobile Banking
• Register to receive mobile-to-mobile payments with Paym
• Contactless payments with your mobile by linking your Santander Select debit card to your Apple, Android or Samsung device.
• Transfer money abroad with One Pay FX

Face-to-face support in branch and UK-based telephone support

• Branches where you can meet a Relationship Manager
• Telephone Banking with a dedicated UK-based team available 24/7
• Cash machine
• Post Office to make withdrawals, balance enquiries, cash deposits and cheque deposits

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 Select Centre 0800 032 3323 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

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