From time to time banking regulations and laws change. Or there can be an update to a current account and the way it works. We will always let you know if these changes affect your current account and the way you bank with us.
This page shows the latest changes to our current accounts.
From 11 May 2026, we’re increasing the monthly fee on our 1|2|3, Select and Private current accounts from £4 to £5.
Monthly fees collected from 11 May 2026 will be £5. Monthly fees are charged retrospectively, meaning the fee you see relates to the previous month.
Select and Private customers: The APR on overdrafts over £500 will change from 27.06% to 28.33% (variable).
From 28th April 2026, our Banking & Savings General Terms and Conditions include changes to:
- our account closure rights and how and when we can close your account
- when we may not make a payment
- foreign currency cheques
- international payment
- Individual Savings Accounts (ISAs)
- statements
- helping you keep on top of your account and overdraft.
You can find more information on the changes below.
Banking & Savings General Terms and Conditions (PDF - 42 KB)
Changes to our Santander Edge Up current account and Private Current Account (v2) – 17 December 2025
From 17 December 2025, the credit interest on the Santander Edge Up current account and Private Current Account (v2) will change from 2.50% AER / 2.47% gross (variable) to 2.10% AER / 2.08% gross (variable) on balances up to £25,000.
From 9 September, we’ll make no further cashback payments for your supermarket spend and travel costs when you use your debit card (as communicated to all customers by 7 June 2025).
The account will still offer cashback on selected household bills when you pay by Direct Debit. Plus…
- Travel benefits - We won’t charge you for using your debit card outside the UK.
- Santander Boosts - Get cashback, vouchers, prize draws and personalised offers with our free rewards service.
- Arranged overdraft - Short-term borrowing for those unexpected costs (subject to status).