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 9 September 2025, we’re removing the cashback at supermarkets and on travel costs when you use your debit card.
The accounts 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)
Moving to Everyday Current Account
From 21 August, we're planning to convert the 1|2|3 Lite Current Account to our Everyday Current Account. This is the nearest alternative account type we offer.
The Everyday Current Account doesn’t pay any credit interest or cashback and doesn't have a monthly fee. It offers an arranged overdraft with a representative rate of 39.94% APR/EAR (variable).
Your options
If you want to carry on using your account after it’s changed, you don’t need to do anything. However, you do have a couple of other options as well:
- You might be able to transfer to another Santander account – take a look at our full range of current accounts. If you do transfer, you can keep your existing account details including the account number and debit card.
- You can close or switch your account without charge. We’re a member of the Current Account Switch Service, which offers a secure and easy way to switch your account to another bank in 7 working days. You can find more information through the CASS website
From 28 April 2025, the credit interest on the Santander Edge Up current account and Private Current Account (v2) will change from 3.00% AER / 2.96% gross (variable) to be 2.50% AER / 2.47% gross (variable) on balances up to £25,000.
New consumer protections for APP scams
On 7 October 2024, new rules were introduced to protect consumers from Authorised Push Payment (APP) scams.
We’ve updated our terms to explain when you might be entitled to a refund if the payment you sent was part of an APP scam. We've also explained the steps you, and we, will need to take to report and investigate any APP scam payments before we give a refund.