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1|2|3 Current Account

Santander Current Accounts

The current account that pays you cashback on your household bills and interest on your balance.

There's a £5 monthly fee to maintain the account, that will be automatically taken from your account each month.

What you get

  • Monthly cashback on selected household bills.

  • Monthly interest of 1.50% AER / 1.49% gross (variable) payable on your entire balance up to £20,000.

  • Access to 1|2|3 World offers, including preferential rates and special deals on other Santander products.

To get cashback on your household bills and interest on your balance, just follow these steps:

  • Pay at least £500 into your account each month. Any interest paid, and payments between Santander personal accounts you're named on won't count towards this

  • Have at least 2 active Direct Debits. You'll get monthly cashback on selected household bills you pay by Direct Debit

Remember, if you switch your current account to us, we'll move it across in 7 working days, so you can start earning cashback and interest.

See how much cashback you could earn:

Cashback calculator

 

 

 

Earn cashback and interest with 1|2|3
With an in-credit interest rate and cashback on your household bills, make the most of your banking with the 1|2|3 Current Account.

We can switch your existing current account for you in just 7 working days.

Cashback
You’ll earn:

Cashback Cashback categories
1% cashback  on water and council tax bills and the first £1,000 you pay towards your Santander monthly residential mortgage payment
2% cashback  on gas and electricity bills
on Santander home insurance premiums (policies administered and underwritten by Aviva Insurance Limited) and
Santander life protection premiums (policies administered and underwritten by Aviva Life & Pensions UK Limited).
3% cashback  on mobile and home phone bills, broadband and paid for TV packages.
  • Cashback can only be earned through household bills paid by Direct Debit

  • Household bills do not include TV licence, maintenance contracts (e.g. boiler repair cover), other insurance contracts, bills for commercial use or commercial mortgages

  • Find out where you can earn cashback on your household bills with the 1|2|3 Current Account

Interest

Monthly interest of 1.50% AER / 1.49% gross (variable) payable on your entire balance up to £20,000.

Interest is received gross, with no income tax deducted. Take a look at our information pages to learn more

If you don't normally maintain a credit balance in your account, have a look at our 1|2|3 Lite Current Account.

How it works

  • There's a £5 monthly fee to maintain the account, that will be automatically taken from your account each month

To get cashback on your household bills and interest on your balance, just follow these steps:

  • Pay at least £500 into your account each month. Any interest paid, and payments between Santander personal accounts you’re named on won't count towards this

  • Have at least 2 active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit

When you fulfil these conditions we'll automatically work out how much interest you've earned and pay it into your account each month.

If you'd like to switch to us from another bank or building society we'll move all your Direct Debits, standing orders and your salary.

We'll close your old current account and make sure any payments to and from your old account are redirected to your 1|2|3 Current Account.

What you can get

  • Visa contactless debit card - a quick and secure method of buying goods and services at home and abroad

  • Contactless payments with your mobile by linking your Santander debit or credit card to your Apple, Android or Samsung device.

  • Arranged Overdraft - usage fees apply

  • Retailer Offers - earn additional cashback of up to 15% at a range of major retailers when you use your Santander Visa debit card

  • Chequebook

Visa debit card and Arranged Overdraft are subject to status

You can use this account to:

  • Set up Direct Debits and standing orders

  • Pay bills

  • Transfer money online including Faster Payments

Overdraft fees 

Arranged Overdraft Usage Fee
 
 The Arranged Overdraft Usage fee will depend on the amount you use:
 Below £2,000  £1 a day
 £2,000 to £2,999.99  £2 a day
 £3,000 and over  £3 a day
Unarranged Overdraft Usage Fee

No fees

Unarranged Overdraft fees do not apply to this account.

If you try to make a payment that would take you into an Unarranged Overdraft, we'll decide whether or not to pay it depending on your circumstances.

Overdraft alerts

We’ll automatically send you alerts about your balance to help you avoid charges e.g. when a payment has been refused due to insufficient funds or, when you need to pay money in to cover a payment. These alerts will be sent by text message, email or both.

Once your account has been set up you can update your alert settings at any time by logging on to Online Banking, visiting one of our branches or by calling us on 0800 9 123 123.

We have other borrowing options, such as credit cards, personal loans, and additional loans for our existing mortgage customers. Learn more about our borrowing options

There are other charges with this account, such as when you use your card abroad. Please refer to the Terms and Conditions and Fee Information Document for details.

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

                      

Representative example
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

 

Cashback paid monthly. The maximum mortgage payment amount that qualifies for cashback is £1,000 per month (for either single or multiple monthly Direct Debits). Mortgage cashback applies to Santander UK plc mortgages. The 1% cashback on water and council tax bills also applies to rates in Northern Ireland.

You may only hold a maximum of two 1|2|3 Current Accounts, one in your own name and one in joint names.

 

 

Switching your existing current account to the 1|2|3 Current Account

Stress-free switching in just 7 working days

  • You can either switch to a new account, or one you've already got with us

  • Our dedicated switcher team will switch all of your Direct Debits, standing orders and your salary or other income

  • Choose when your switch starts - this can be up to 60 days in the future

  • Your switch will only take 7 working days

  • We'll keep you updated of progress by letter, text and e-mail

  • We'll close your old account and redirect any payments to your Santander Current Account 

  • You could get a 4 month fee-free Arranged Overdraft when you switch to us. (Overdrafts are offered depending on your circumstances.) 

Our switcher service is rated 5 Star by Defaqto, an independent financial research company, so you can be confident your current account switch is in the best hands.


How to switch

If you don't already have a Santander Current Account, you can apply online or in a branch. We'll ask you during the application if you want to switch an account you hold elsewhere to Santander.

If you're an existing customer and you have an account with another provider that you would like to switch to your existing Santander account, please visit your local branch

To switch you'll need to give us

  • your existing sort code and account number

  • your existing debit card number and expiry date. If you are switching a joint account to us, we'll need the debit card details for all applicants 

Check if your current bank or building society is signed up to the Current Account Switch Service

For more information please refer to our Switch Your Current Account Factsheet

Representative example
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

 

 

 

From day-to-day banking to exclusive offers, do it your way

Because we know you have busy lives and are often on the move, we want to give you ways to bank that make life easier. We're always looking for new ways to bank that help you do what you need to do, with your phone, computer or in person.

So if you're on the sofa, log on with your tablet to check the cashback and interest you've earned. If you want to pay a friend for your share of a night out, use Paym on your mobile to make a quick transfer with no need for bank details. And if you're on the high street pop in for the personal service.

Need a helping hand? Use Send Me the Link to send yourself our mobile apps, videos, guides, & factsheets

Send me the link allows you to send yourself links for our mobile apps, videos, guides, & factsheets which can help you with your Online & Mobile Banking needs. Access Send Me the Link here. 
 

Here are just a few of the things you can do:

Mobile Banking

Our fastest growing way to bank. Use your phone or device to:

  • Log on quickly and securely using Touch ID, Face ID or Fingerprint

  • see balances, make payments and check 1|2|3 cashback

  • register for Retailer Offers to earn additional cashback on your spend

And much more

Learn all about Mobile Banking with our handy demo
 

Get the app

 

Online Banking

24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus:

  • switch to paper free and get your statements and other important notifications online

  • manage personal details such as change of address

  • register to receive mobile-to-mobile payments with Paym  

And much more

Take a look at our Online Banking videos
 

Sign up

 

Branches

Come in and see us for:

  • face-to-face support in managing your account

  • free customer wi-fi: bring your own device into branch and we'll help you with our online and mobile services

Find a branch

 

Contact Us

Telephone Banking

  • with our UK-based team on hand until 9pm most nights, and an automated service when they go home, do your banking by telephone any day of the week

  • call us on 0800 9 123 123

Find out more

 

ATM

Use our ATMs for:

  • withdrawing cash

  • making cash and cheque deposits

  • checking your balance

  • managing your PIN 

Find out more

 

Post Office

  • Use Post Office branches to make cash withdrawals, balance enquiries, cash deposits and cheque deposits

Find out more

 

Protect yourself from fraud

It’s very important that you keep your banking details private and secure.

  • Never share a Santander One Time Passcode (OTP) with another person. Not even a Santander employee.
  • Never download software or let anyone log on to your computer or devices remotely during or after a cold call.
  • Never enter your Online Banking details after clicking on a link in an email or text message.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre.

 

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You should print or save copies of these documents for your records and future reference.

To view these documents, you may need to download Adobe Reader

Before applying please remember to read the full details and terms and conditions sections.

You can apply for a new 1|2|3 Current Account online in just 10 minutes if you:

  • are 18 years of age or over

  • live in the UK permanently 

Apply today or complete a previously saved application

Open a new account or switch a non-Santander account to us Transfer your existing Santander account
  • If you apply for an overdraft and the amount we can give you is lower than your request, we’ll contact you to let you know what we can offer. We will ask you to confirm that you’re happy to go ahead before we open your account

  • You will receive a new account number, card and PIN

  • Please consider before applying.  

  • Use our short transfer application form.

  • Keep your existing account number, card and PIN.

  • If you are successful, your account could be updated the same day.

  • You’ll need your existing account details handy to transfer.

  • If you have a Basic Current Account you can't transfer to the 1|2|3 Current Account.

 Apply now  Continue application  Transfer

Or pop into your local branch. An appointment may need to be booked. Find your nearest branch

Before applying please remember to read the full details and terms & conditions.

Rates may change and we pay interest each month.

AER explained
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

Gross rate explained
The gross rate is the interest rate we pay where no income tax has been deducted.

EAR explained
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.

Information correct as at 17 October 2018.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.