What you can get
(for a £5 monthly fee to maintain the account)
- Personal banking support from a Relationship Manager
- 24 hour dedicated call centre support for your banking needs
- Monthly interest of 1.50% AER/1.49% gross (variable) on your balance up to £20,000, plus monthly cashback on selected household bills
- £1,000 daily cash machine withdrawal limit
- Fee-free withdrawals at Santander cash machines abroad when you choose the local currency
- Earn additional cashback of up to 15% at a range of major retailers when you use Retailer Offers with your Santander Select debit card
Eligibility
To open the account:
- 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
To get cashback and interest:
- Pay at least £500 a month into your Select Current Account (excluding transfers from other Santander accounts)
- Have at least 2 active Direct Debits
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.
Arranged Overdraft fee |
£0 £0-£500 £1 a day £500.01-£1,999.99 £2 a day £2,000-£2,999.99 £3 a day £3,000 or more |
Unarranged Overdraft fee |
No fee |
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.
To earn interest and cashback you’ll need to pay in at least £500 a month (any interest paid, and payments between Santander personal accounts you’re named on won’t count towards this) and have at least 2 active Direct Debits.
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.
Cashback |
Household bills |
|---|---|
1% |
Water bills Council tax bills The first £1,000 you pay towards your Santander residential mortgage |
2% |
Gas and electricity bills |
3% |
Mobile and home phone bills, broadband and paid for TV packages |
Find out which suppliers you can earn cashback with as well as other exclusions
Select Current Account cashback calculator
This calculator is for illustrative purposes only.
- Select Current Account Key Facts Document (pdf)
- Select Current Account Fee Information Document (pdf)
- General Terms & Conditions (pdf)
To view these documents you may need to download Adobe Reader
- 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 and card replacement 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
We’ll send you alerts about your balance and payments to help you avoid using an unarranged overdraft. 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
This account also comes with
Why choose Santander?
Switch quickly and easily
We offer a simple, reliable and stress-free way to switch your current account to a new or existing Santander account
Information correct as at 11 January 2019.