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)

Cashback (on selected household bills paid by Direct Debit)YesYesYesNoNo
Interest earned on balance*YesYesNoNoNo
Eligibility criteria to receive cashback &/or interestPay 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 monthsn/an/a
Current Account Switch Service
 
YesYesYesYesYes
Santander debit cardYesYesYesYes

Non-contactless debit card

ChequebookYesYesYesYesNo
Monthly fundingYes
At least £500 per month
Yes
At least £500 per month
Yes
At least £500 per month
NoNo
Monthly fee to maintain the account

Yes

£4 

Yes

£4 

Yes

£2

NoNo
Arranged overdraftYesYesYesYesNo
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). 

Representative 39.94% APR/ EAR (variable) ^

Representative 39.94% APR/ EAR (variable) ^

No
Unarranged overdraft interest and chargesNoNoNo

No

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

No

No
Additional eligibility criteriaNo

Yes 

Eligibility criteria applies

NoNoNo
Full details and ways to applyFind out moreFind out moreFind out moreFind 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)
Free 4-year 16-25 RailcardYes*
Interest earned on balanceNo
Current Account Switch ServiceYes
Santander debit cardYes
ChequebookYes
Funding requirementYes
£500 per term
Monthly fee to maintain the accountNo
Arranged overdraftYes
Arranged overdraft interest and chargesNo
Unarranged overdraft interest and chargesNo
Fees for allowing or refusing a payment due to lack of funds (per transaction)No
Full details and ways to applyFind out more

If you have recently moved to the UK you may also want to take a look at our Basic Current Account with no monthly fee. This account doesn’t offer an overdraft facility or cheque book and comes with a non-contactless debit card.  A non-contactless debit card has restrictions on some transactions, such as subscription services and pay at the pump petrol stations.

*To be eligible for the Railcard you must register for Online Banking.

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 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

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