With a selection of current accounts available, you're sure to find the one that's right for you.
| Everyday Current Account | Santander Edge® current account | Santander Edge® Up current account | Santander Edge® Explorer current account | Basic Current Account | |
|---|---|---|---|---|---|
| Minimum age | 18 years old | 18 years old | 18 years old | 18 years old | 16 years old |
| Insurance and other benefits | No | No | No | Yes, worldwide family travel insurance, 24/7 GP remote access, UK & EU breakdown cover and family mobile phone insurance | No |
| Cashback (on selected household bills paid by Direct Debit) | No | Yes | Yes | Yes | No |
| Cashback (on selected debit card transactions on essential spend) | No | No | No | Yes | No |
| Interest earned on balance* | No | No | Yes | No | No |
| Eligibility criteria to receive cashback &/or interest | N/A | Pay in £500 a month, set up 2 active Direct Debits | Pay in £1,500 a month, set up 2 active Direct Debits | N/A | N/A |
| Monthly funding | No | At least £500 per month | At least £1,500 per month | N/A | No |
| Monthly fee to maintain the account | No | £3 | £5 | £17 | No |
| Foreign currency conversion fee when you withdraw cash and make payments outside of the UK | 2.95%** | 0%* | 0%* | 0%* | 2.95%** |
| Arranged overdraft interest and charges | Representative 39.94% APR/EAR (variable) ^ | Representative 39.94% APR/EAR (variable) ^ | Representative 39.94% APR/EAR (variable) ^ | Representative 39.94% APR/EAR (variable) ^ | No |
| Chequebook | Yes | Yes | Yes | Yes | No |
| Additional eligibility criteria | No | No | No | Yes, you must be 18-73 years old to apply and if it’s a joint account, you must both live at the same address | No |
| Full details and ways to apply | Everyday Current Account | Santander Edge current account | Santander Edge Up current account | Santander Edge Explorer current account | Basic Current Account |
All adult current accounts have:
Switch Guarantee
A simple, reliable and stress-free way to switch your current account to a new or existing Santander account.
Santander Boosts
Get cashback, vouchers, prize draws and personalised offers with our free rewards service.
Other benefits
- Contactless debit card.
- No unarranged overdraft interest and charges.
- No fees for allowing or refusing payment due to a lack of funds (per transaction).
- Joint account available.
^ 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 £25,000.
* Payments and cash withdrawals made in the local currency. The 0% foreign conversion fee is applied 3 working days after you have opened or transferred to the Santander Edge, Santander Edge Up or Santander Edge Explorer current account. If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable. Local banks may charge their own fees when you use one of their cash machines and you should make sure you understand what these are before making a withdrawal.
** We won't charge you when you use your debit card to make withdrawals at Santander cash machines abroad. Make sure you choose to pay in the local currency to avoid being charged any other fees.
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
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 Santander Edge Student current account is available to customers who are studying with a higher education provider in the United Kingdom.
Take a look at the account features below, or click ‘find out more’ to see more information and ways to apply.
| Santander Edge Student current account (18yrs or over) | |
|---|---|
| Free 4-year 16-25 Railcard (you must register for Online Banking) | Yes* |
| Interest earned on balance | No |
| Current Account Switch Service | Yes |
| Santander debit card | Yes |
| Chequebook | Yes |
| Funding requirement | Yes Pay in at least £500 into your account every 4 months |
| Monthly fee to maintain the account | No |
| Access to Santander Boosts | Yes |
| Arranged overdraft | Yes |
| Arranged overdraft interest and charges | No |
| Unarranged overdraft interest and charges | 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 |
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 contactless debit card. This debit card does not allow mobile payments. Mobile payments include Apple Pay, Google PayTM, Samsung PayTM and Garmin PayTM.
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