The Carers Card Account lets you give debit cards to up to 2 people who care for you. You can keep the money you transfer to your Carers Card entirely separate from your other current and savings accounts with us and your carer(s) can get cash or go shopping for you.

How it works

  • You are over 18 and live in the UK permanently 
  • You are an existing customer who has a Santander current or instant access savings account that you are able to move money from.
  • Transfer money from your current or savings account to your Carers Card Account to give your carer access to the amount you’ve put in (to a maximum of £1500).
  • Choose up to  2 carers to get their own card and PIN. A carer can be a family member, friend or other person you trust.
  • You and your carer(s) can both keep track of spending on the card through regular statements, in branch, over the phone or through Online Banking or our mobile banking app. 
  • Your carer(s) will get Online and Mobile Banking log on details separate from your own, which means that they can also make Faster Payments for you using Online Banking or the mobile app, for example to pay your window cleaner. 

Separate money, for your security
The Carers Card Account is separate from your main accounts, so you and your carers can’t use it to set up Direct Debits or standing orders. Your carer(s) will not be able to see any other Santander accounts you have when using Online Banking, they will only be able to see details for the Carers Card Account. 

Other ways to get help with your banking
The Carers Card Account is just one of the ways we may be able to help you if you’re worried about getting to the shops, or looking after your money now or later on in life. 

There’s more information on our supported banking pages and you can take a look at the table below to see how the different ways we can offer help all compare. The key difference between the Carers Card Account and third party access is that with the Carers Card Account your carer only has access to funds that you transfer to the Carers Card Account. They can't do your day-to-day banking for you.

 

Can be used if you:Carers Card Third party accessGeneral Power of AttorneyLasting Power of AttorneyCourt of Protection
Just need help with the small things, like shopping or getting cash.
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Are physically ill, injured or disabled.
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Need a little help with looking after your day-to-day banking, for a shorter period of time, but you don't want someone to make decisions for you. 
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You will be abroad, and won't have access to your account (for example, travelling)
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Are preparing for when you'll be unable to make decisions, or want someone to start looking after all of your finances
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No longer have the mental capacity to make decisions, and someone needs to do this for you. 
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Please remember that if you add a carer or third party access to your account, you're still responsible for anything your chosen person does with it.

Account fee

There’s no monthly fee to maintain the account. 

The Fee Information Document details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary
 

Overdraft

There’s no overdraft facility available with this account. This means we won't normally let you make a payment out of the account if there isn’t enough money in it. However, there may be times where you make a payment that we can't stop, which will take the account balance below zero. We won't charge you for this.

Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.

You’ll be automatically set up to receive text alerts when:

  • your balance falls below zero
  • you have regular payments due on your account for which you have insufficient funds to cover, we will ask you to pay into your account to ensure these payments are made;
  • where a payment is refused as you don’t have enough funds.

If we don’t have a valid mobile number for you, we might not be able to reach you.

You can also register for other account alerts to help you to stay on top of your finances. For example, alerts to advise you when your balance has fallen below a set limit, or you have had a deposit into your account greater than a set amount. 

For more information visit Account alerts

You can manage your alerts settings at any time by using Online Banking, calling us on 0800 9 123 123 or visiting a branch.

If you need support with managing your money or if you’re in debt, please visit our money worries page for further support.

 

 

You can apply if

  • You and the carer(s) are over 18 and live in the UK permanently.
  • You are an existing customer who has a Santander current or instant access savings account that you are able to move money from.

Ways to bank with us

You can access the Carers Card Account anytime, anywhere:

  • Online Banking
  • Mobile Banking app
  • register to receive mobile-to-mobile payments with Paym
  • contactless payments with your mobile by linking your Santander debit or credit card to your Apple, Android or Samsung device.

Face-to-face support in branch and UK-based telephone support:

Security

Keep your banking details private and secure.

To learn about common frauds and scams and how you can stay safe, please visit the Fraud and Security support pages within our website.

Statements

You and your carer(s) will automatically receive a monthly statement in ‘e-Documents' within Online Banking. Paper statements are available, and if requested will be sent once every three months unless you ask for monthly paper statements. Statements are available in alternative formats, such as Braille.

 

  • The Carers Card Account can be opened in joint or single names (you are an existing customer who has a Santander current or instant access savings account that you are able to move money from).
  • Your carer(s) will need to be over the age of 18 and a UK resident.
  • To open a Carers Card Account, you can book an appointment in any branch.
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