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

From 6 April 2020, we’re making 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 Currnet 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 

Cash card

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

£5

Yes

£5

Yes

£1

No

Yes

£10

No

Yes

£1

Arranged overdraft Yes Yes Yes Yes Yes No No
Arranged overdraft usage fee/interest

From 6 April 2020 

39.9% APR (variable)/ EAR 

Before 6 April 2020

Below £2,000
£1 a day

£2,000 to
£2,999.99 £2 a day

£3,000 and
over £3 a day

From 6 April 2020

Up to £500 – interest free
£500 and above – 28.3% APR (variable)/ 39.9% EAR (variable)

Before 6 April 2020

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

From 6 April 2020 

39.9% APR (variable)/ EAR 

Before 6 April 2020

Below £2,000
£1 a day

£2,000 to
£2,999.99 £2 a day

£3,000 and
over £3 a day

From 6 April 2020 

39.9% APR (variable)/ EAR

Before 6 April 2020

Below £2,000
£1 a day

£2,000 to
£2,999.99 £2 a day

£3,000 and
over £3 a day

From 6 April 2020

33.6% APR (variable)/ 29.9% EAR (variable) (capped at £20 per month)

Before 6 April 2020
£1 a day (capped at 20 days per month)

No No
Unarranged overdraft usage fee No fees^ No fees^ No fees^

From 6 April 2020 - No fees

Before 6 April 2020 - £6 per day

No fees No No
Fees for allowing or refusing a payment due to lack of funds (per transaction) No No No

From 6 April 2020 - No fees

Before 6 April 2020 - £10 for allowing a payment despite lack of funds

No No

No

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^

No fees^

Before 6th April 2020 - £50 per month^^

n/a n/a

No fees^

Additional eligibility criteria No

Yes 

Eligibility criteria applies

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

UK residents find out more

EU residents find out more

Find out more

 

^ There is no cap on arranged overdraft fees or charges. Before 6 April 2020, arranged overdraft fees will continue to be applied if your account goes into an unarranged overdraft position.
After this date, 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.
^^ There's 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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