With a selection of current accounts available, you're sure to find the one that's right for you.
We've made changes to how we charge for arranged overdrafts, and we’re removing unarranged overdraft fees. For more details visit our account changes page or our current account pages
| 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) | Choice Current Account (18 yrs 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 | No |
| Interest earned on balance* | Yes | Yes | No | 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 | n/a |
| Current Account Switch Service | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Santander debit card | Yes | Yes | Yes | Yes | Yes | Top-up debit card (not contactless) | Yes |
| Chequebook | Yes | 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 | No |
| Monthly fee to maintain the account | Yes £4 (before 12 April 2021 - £5) | Yes £4 (before 12 April 2021 - £5) | Yes £2 | No | Yes £10 | No | Yes £1 |
| Arranged overdraft | Yes | Yes | Yes | Yes | Yes | No | No |
| Arranged overdraft interest and charges | Representative 39.94% APR/ EAR (variable) ^ | The arranged overdraft charges will depend on the amount of overdraft you use.
0-£500: interest not charged
£500.01 and over: an interest rate of 39.94% EAR (variable) which gives a representative rate of 27.06% APR (variable). Before 12 April 2021 the representative rate is 28.33% APR (variable) | Representative 39.94% APR/ EAR (variable) ^ | Representative 39.94% APR/ EAR (variable) ^ | Representative 33.55% APR/ 29.94% EAR (variable) (capped at £20 per month) | No | No |
| Unarranged overdraft interest and charges | No | No | No | No | No | No | No |
| Fees for allowing or refusing a payment due to lack of funds (per transaction) | No | No | No | No | No | No | No |
| Additional eligibility criteria | No | Yes | No | 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 |
^ There is no cap on arranged overdraft interest or charges. If you exceed your arranged overdraft limit you won’t be charged any interest on the portion of your balance which is above your limit but arranged interest will still apply to the portion of your balance within your limit.
*Interest is paid on entire balance up to £20,000.
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 interest rates
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 | No** | 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 interest and charges | No | No |
| Unarranged overdraft interest and charges | No | No |
| Fees for allowing or refusing a payment due to lack of funds (per transaction) | No | No |
| 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 and pay in at least £500 each academic term.
*To be eligible for the Railcard you must register for Online Banking.
**From 12 April 2021, no interest will be paid on this account. Before 12 April 2021, 1% interest on entire balance up to £2,000.
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.
*Interest paid on balances up to £2,000.
** 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