With a selection of current accounts available, you're sure to find the one that's right for you.

 

1|2|3 Current Account (18yrs or over)

Select Current Account (18yrs or over)

1|2|3 Lite Current Account
(18yrs or over)

Everyday Current Account (18yrs or over)

Basic Current Account** (16yrs or over)

Essentials Current Account (18yrs or over)

Cashback (on selected household bills paid by Direct Debit)

Yes

Yes

Yes

No

No
 

No

Interest earned on balance*

Yes

Yes

No

No

No

No

Eligibility criteria to receive cashback &/or interest

Pay in £500 a month, set up at 2 active Direct Debits

Pay in £500 a month, set up at 2 active Direct Debits

Pay in £500 a month, set up at 2 active Direct Debits,
 log on to Online or Mobile Banking at least once every three months

n/a

n/a

n/a

Current Account Switch Service

Yes

Yes

Yes

Yes

Yes

Yes

Santander debit card

Yes

Yes

Yes

Yes

Top-up debit card Cash card

Yes

Chequebook

Yes

Yes

Yes

Yes

No

No

Monthly funding

Yes
At least £500 per month

Yes
At least £500 per month

Yes
At least £500 per month

No

No

No

Monthly fee to maintain the account

Yes
£5

Yes
£5

Yes
£1

No
 

No

Yes
£1

Arranged Overdraft

Yes

Yes

Yes

Yes

No

No
 

Arranged Overdraft Usage Fee

Yes
Below £2,000
£1 a day
£2,000 to
£2,999.99 £2 a day
£3,000 and
over £3 a day

Yes 
Up to £500
£0 per day
£500.01 to
£1999,99
£1 a day
£2,000 to
£2999.99
£2 a day
£3,000 or
more £3 a day

Yes
Below £2,000
£1 a day
£2,000 to
£2,999.99
£2 a day
£3,000 and
over £3 a day

Yes
Below £2,000
£1 a day
£2,000 to
£2,999.99
£2 a day
£3,000 and
over £3 a day

No

No

Unarranged Overdraft Usage Fee

No fees^

No fees^

No fees^

Yes
£6 per day

No

No

Fees for allowing or refusing a payment due to lack of funds (per transaction)

No

No

No

Yes
£10 for each  transaction

No

Yes
£10 fee for refusing a payment due to lack of funds only

Unarranged Overdraft Fee cap (including Unarranged Overdraft Fees and fees for allowing or refusing a payment due to lack of funds)***

No fees^

No fees^

No fees^

£50 per month^^

N/A

£50 per month

Additional eligibility criteria

No

Yes
Eligibility criteria applies

No

No

No

No

Full details and ways to apply

Find out more

Find out more

Find out more

Find out more

Find out more

Find out more

^ There is no cap on Arranged Overdraft Usage fees. Arranged Overdraft fees will continue to be applied if your account goes into an Unarranged Overdraft position.
^^ There is no cap on Arranged Overdraft Usage fees.
*Interest is paid on entire balance up to £20,000.
**Available to customers legally resident in the European Union.
***For more information on the unarranged overdraft fee cap please see Understanding overdrafts
On accounts where we pay interest, interest is received gross, with no income tax deducted. Take a look at our information pages to learn more
Our overdraft fees on some of our accounts are capped and different caps may apply. You can find out more by following the relevant 'find out more' link.
Please note: Santander debit card, chequebook and Arranged Overdrafts are subject to status.
Compare our overdraft fees

Fee Information Documents are available for each of our products and detail the main fees and charges for each account. Visit our product pages to access these documents. 

For further explanation of our main terms and services take a look at our Glossary

Our student accounts are available to customers who are studying with a higher education provider in the United Kingdom.

Use our comparison table to check the different features of the accounts. The 'Find out more' link takes you to more information and ways to apply.

1|2|3 Student Current Account (18yrs or over)

Essentials Current Account (18yrs or over)

Free 4-year 16-25 Railcard

Yes*

No

Interest earned on balance

Yes**
minimum of £500 each academic term to receive interest

No

Current Account Switch Service

Yes

Yes

Santander debit card

Yes

Yes

Chequebook

Yes

No

Funding requirement

Yes
£500 per term

No

Monthly fee to maintain the account

No

Yes
£1

Arranged Overdraft

Yes

No

Arranged Overdraft Usage Fee

No

No

Unarranged Overdraft Usage Fee

Yes
£5 per day (capped at 10 days)

No

Fees for allowing or refusing a payment due to lack of funds (per transaction)

Yes
£5 fee for allowing a payment despite lack of funds
£10 fee for refusing a payment due to lack of funds

Yes
£10 fee for refusing a payment due to lack of funds

Unarranged Overdraft Fee cap (including Unarranged Overdraft Fees and fees for allowing or refusing a payment due to lack of funds)***
 

£50 per month

£50 per month

Full details and ways to apply
 

Find out more

Find out more

If you have recently moved to the UK you may also want to take a look at our Basic Current Account. This account doesn’t offer an overdraft facility or a cheque book and comes with a cash card and a Santander Top-up Debit card. There is no monthly account fee on this account.
*To be eligible for the Railcard you must register for Online Banking.
**Interest paid on entire balance up to £2,000 when you have at least £100 in your account.
***For more information on the unarranged overdraft fee cap please see Understanding overdrafts
From 6 April 2016, on accounts where we pay interest, interest is received gross, with no income tax deducted. Take a look at our information pages to learn more
Our overdraft fees on some of our accounts are capped and different caps may apply. You can find out more by following the relevant 'find out more' link.
Please note: Santander debit card, chequebook and Arranged Overdrafts are subject to status.

Fee Information Documents are available for each of our products and detail the main fees and charges for each account. Visit our product pages to access these documents. 

For further explanation of our main terms and services take a look at our Glossary

Use the table below to check the features of the 1|2|3 Mini Current Account.

1|2|3 Mini Current Account (0-18yrs)

Interest earned on balance

Yes*

Arranged Overdraft

No

Santander debit card

Yes**

Chequebook

No

Monthly funding

No

Monthly fee to maintain the account

No

Arranged Overdraft Fees

No

Unarranged Overdraft Fees
 

No

Fees for allowing or refusing a payment due to lack of funds (per transaction)

No

Full details and ways to apply
 

Find out more

*Interest paid on entire balance up to £2,000 when you have at least £100 in your account.
** please note, no cards are issued for accounts held in trust

For children under age 13, the account must be opened in trust and managed by an adult (trustee). The trustee must be aged 18 or over, have parental responsibility for the child and hold a Santander personal current account. The day after the account is open, the trust status can be removed for all children aged 11 and over.
Please note: Santander debit cards are subject to status.

Fee Information Documents are available for each of our products and detail the main fees and charges for each account. Visit our product pages to access these documents. 

For further explanation of our main terms and services take a look at our Glossary

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