Changes to laws or banking regulations can often affect your current accounts and other banking services. We always alert you to any changes to your account's terms and conditions, and we also update this page regularly to clearly communicate the details of any changes.

This page shows you the latest changes to our current accounts. You can find the changes to other types of accounts in the links on the right.

All changes have been applied since 13 January 2018, unless we've stated otherwise.

We’re updating the General Terms & Conditions for current accounts and savings to reflect new regulations and some changes to our services.  We wanted to let you know in advance, so you have time to understand the changes and take any action if needed. Nothing is changing immediately, the changes will happen by 18 December 2019 and we’re at hand to answer any questions you may have.

Changes to automatic account alerts

We’ll automatically register you for free alerts about your balance to try to help you avoid charges on an arranged overdraft. This means that we’ll send you messages when you’ve entered or are about to enter your arranged overdraft.
The alerts are free and will be sent by text message to the mobile number you’ve registered with us. Alternatively, if you have Mobile Banking, we may choose to notify you there instead. 

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.
It’s important we have up-to-date contact details for you. If you’re happy to receive these new automatic alerts and happy with the changes we’re making to how you receive your unarranged overdraft email alerts, you don’t need to do anything. 
If you don’t want to receive these alerts, or you want to change them or the way in which you receive them, you can do so in Online Banking. You can also come into any branch or call us on 0800 9 123 123.

Current Account Switch Agreement

We’re including a clarification on the laws applied to the Current Account Switch Agreement based on customer address to clarify that the laws of Scotland or Northern Ireland apply if the customer address is in Scotland or Northern Ireland and the courts of Scotland or Northern Ireland may settle any related dispute. If the customer lives elsewhere, the laws of England apply to the Current Account Switch Agreement and the courts of England and Wales have non-exclusive jurisdiction to settle any related dispute.

Changes to how your balance will be displayed

Any available arranged overdraft will have to be displayed separately from your ‘own money’. This means that we’ll be removing any available arranged overdraft from the available balance and instead displaying it separately whenever you see it, including in Online and Mobile Banking, Santander cash machines and overdraft alerts.
For example, if you have £500 of your ‘own money’ and an arranged overdraft limit of £250 in your current account, your available balance would currently show as £750. From 18 December 2019, your available balance will show as £500. You can still check your overdraft limit in Online and Mobile Banking, on Santander cash machines, or on your statement. 

Changes to how we talk to you about overdrafts

We’re changing the way we talk about overdrafts, including visibility and content of key general information when you open a new current account or apply for a new arranged overdraft facility. The changes aim to help you understand: how overdrafts work, how to check if you’re eligible for an overdraft, and the cumulative cost of using overdrafts.

Changes to foreign transaction fees – effective by 15 December

We’ll no longer be charging a fee of £1.25 for each foreign currency purchase made when using your debit card abroad. In addition. We’re also removing the fee for Single Euro Payments Area (SEPA) non-urgent euro transfer, currently £15 per transaction, as well as the fee for cash withdrawals abroad, which is currently 1.50% on each transaction.

Removal of emergency card service for Private and Select accounts

The emergency card service, which provides a replacement if your debit card is lost or stolen abroad, is being removed on 1 November 2019. You can still cancel the card and request a new one when you return to the UK. Emergency cash can also still be requested. 


Changes to current accounts from 31 October 2018

In order to meet new regulatory requirements and to make account fees and charges clearer, we've introduced new documents and detail for personal current accounts. This detail does not impact the services or fees and charges on your personal current account, but makes it easier for you to compare common charges and fees across our personal current account range and those offered by other providers.

We've made things clearer by introducing a set of Standardised terms for some of the most common services that may incur a fee. We’ve also updated our terms and conditions, website and other communications to reflect these standardised terms. A new Glossary has been introduced to help you understand these terms. You’ll see the same terms used across all banks from 31 October 2018. 

To help you compare certain fees and charges for a specific account, we’ve introduced a Fee Information Document for each of our personal current accounts, including accounts that are no longer available to open. These show the fees and charges that are linked to the most common services, making it easier for you to choose the right account for you. 

We’ve introduced the new Statement of Fees, which will be provided to you annually in August. It shows all the fees and charges you’ve incurred on your account for the previous 12 months, as well as any interest earned.

Reading your Statement of Fees 

Waived or reversed fees: If we’ve waived a fee before it’s been charged, you’ll be able to see it in ‘Number of times the fee was charged’ and ‘Total’. If we’ve refunded a fee after it’s been charged then you won’t see it in the Statement of Fees, but you can find it on your statement for your account. 

Overdrafts on the Statement of Fees: For overdrafts the ‘Number of times the service was used’ shows on a daily basis and the ‘Number of times the fee was charged’ shows on a monthly basis. The amount charged monthly for an overdraft can be found on your statement.  

If your account doesn’t have unarranged overdraft fees: You’ll be charged arranged overdraft fees if you go into an unarranged overdraft, so fees will show in the arranged overdraft fees ‘Total fees’ section even if you’ve incurred them using an unarranged overdraft. 

The introduction of the Standardised terms, Glossary and Fee Information Document, as well as the replacement of the Annual Summary with the Statement of Fees, will not result in any change to the fees or charges, or the way you manage your account.

From 2 February 2018 we’ll automatically send alerts about your balance and payments to try to help you avoid charges.

If you have a joint account both of you will be set up for alerts.

How will I receive these alerts?

The alerts are free, and will be sent by text message if we have your mobile number or email if we don’t have your mobile number.

We’ll use the details you’ve already given us, so it’s important we have your up-to-date mobile number and email address. You can let us know what they are using Online Banking, in any branch or over the phone.

Where we don’t have either your mobile number or email address, the alerts will be set up automatically as soon as we have these details.

What alerts will I receive?

There are 3 alerts you’ll be registered for.

  • Over-limit alert: 
    This alert is sent when a payment takes your account into an Unarranged Overdraft. It will be sent each time a payment is made that causes you to go into an Unarranged Overdraft and also when you have authorised a payment that may cause your account to go into an Unarranged Overdraft once the payment clears.
  • Insufficient funds alert: 
    This alert is sent when payments are due to be made from your account and you have insufficient funds to make them. The alert will be sent before 10am so you have a chance to pay money into your account by 2pm, as we will often retry payments after this time.
  • Refusing a payment due to lack of funds alert: 
    This alert is sent when we haven’t made a payment because you didn’t have enough funds. We’ll send this alert once a day for any payments which we haven’t been able to make.

In addition to the above alerts, there are a variety of other alerts you may find useful. Details of these are available by visiting our alert information page or from your local Santander branch

Next steps

If you’re happy to receive these alerts, you don’t need to do anything.

Once your account has been registered for the alerts, you can update your alert settings, including switching the alerts off, at any time by logging on to Online Banking, visiting one of our branches or by calling us on 0800 9 123 123.

If you're not yet using Online Banking or Mobile Banking, you can speak to us about signing up today.

If you have any questions or there's anything you don’t understand, call us on 0800 9 123 123 or visit your local Santander branch


The way we deal with cheques is changing so you’ll be able to get to your money quicker.

From October 2017, we take a digital picture of cheques we receive. This allows us to process cheques faster, so you’ll be able to withdraw and earn interest on the money from the next working day - even if the cheque is from another bank or building society.

The launch is a phased approach and is expected to be completed mid-2018.

As cheques will clear faster, it's important you have enough funds in your account before writing a cheque.

The new process doesn't let people attempt to pay in a cheque for a second time - so if yours bounces you’ll need to either write a new cheque or make alternative arrangements with the person you were trying to pay.

New services allow you to give certain companies access to your instant access savings accounts (excluding cash ISAs, Fixed Term Bonds and Regular eSaver) so they can provide services such as account aggregation.

This means you can now:

  • instruct a third party provider to make a payment on your behalf
  • allow a third party provider to view and hold data about your account.

If you authorise a third party provider to make a payment, you cannot stop it so please check you are happy to authorise them to carry out such transactions.

When you give permission to a third party provider to access your account, they will have the same level of access as you. For example, if you cannot make payments online then neither with the third party provider.

Read the full details on third party providers

Delayed payments: Where a payment has been delayed because of our mistake, you can ask us to contact the receiving bank and ask them to credit the payment as if it had been received on the correct date.

Payments received in error: We can return money sent by Faster Payments into your account by mistake and we don’t need your permission to do so. Our terms have been updated so that if a payment is made into your account by mistake, you agree that we may share all relevant information with the sending bank so that the payer can trace the money.

For CHAPS payments, if the sending bank (or the sender) has made a mistake we won’t take the money back out of your account without your permission. If you don’t think that the payment has been made in error we’ll let the sending bank know.

Exchange rates for foreign currency payments: We’ve clarified that our exchange rates for foreign currency payments are based on our Santander reference exchange rates for the relevant currency. We have different reference rates depending on the size of the transaction and whether the payment is being made into, or paid from, your account.

Card payment changes: Where you agree to a card payment being authorised and don’t know the final amount of the transaction (e.g. checking into a hotel) we’ll only set aside the amount you’ve agreed to be authorised.

Foreign payment charges: Previously for some international payments you may have been given the choice of who pays the fees for the payment, you and the recipient may each pay your own bank’s charges or the recipient or you may pay them all. This choice will no longer be available for any payments within the European Economic Area (EEA) in any currency and each party will need to pay its own bank’s charges.

Complaints: Some complaints about payments will be handled more quickly. We’ve updated our complaints leaflet to reflect these changes. Our complaints leaflet is available on request and this information is also on our website. Your existing rights to refer any complaint to the Financial Ombudsman Service won’t be affected.

Keeping your mobile safe and security: We’ve updated our terms to reflect the importance of keeping your mobile and mobile device safe to protect your account from fraud. You must also comply with security procedures we tell you about from time to time.

Changing your Terms and Conditions: We’ve simplified the conditions around how we can make changes to fees, charges, interest rates and terms on your account to make them clearer. We’ll make changes to respond proportionately to things we can’t control or to reflect a change we’re making to our business. We’ll always explain the impact of the change and you’ll be able to close your account before the change takes effect without any additional charge. We’ll still give you the same amount of notice as we do now. How much notice will depend on the type of account you have and the type of change.

Online and Mobile Banking Terms and Conditions: If you are an Online or Mobile Banking customer we’ve also updated your Online and Mobile Banking Terms and Conditions to make them clearer for you and to explain when we may ask you to verify certain transactions on your account. The updated Terms and Conditions are available on our website.

Alerts Terms and Conditions: We can automatically register you for some alerts to help you avoid charges for current accounts and we’ve explained you can opt out. We’ve also moved the Alert Terms and Conditions into our General Terms and Conditions for Current Accounts and Savings. We haven’t made any other changes to them.

Transactional history effective from 2 February 2018: If you close your current account we’ll provide you the ability to get payment transaction history for the 5 years prior to your account closure. You‘ll also be able to ask us for this information for up to 5 years after account closure. More information about this will be provided on our website and will be included on your closing statement.

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