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1|2|3 Lite Current Account

The current account that pays you cashback on your household bills when you use Online or Mobile Banking.

There is a £1 monthly account fee that will be automatically taken from your account each month.

What you get

  • Monthly cashback on selected household bills

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

  • Plus all the standard features you'd expect from a current account

This is a paper-free account which means:

  • Your documents, statements and some of your letters will be sent as an e-Document to your secure inbox on Online Banking (unless you require documents in an alternative format, such as braille)

  • To open the account, you'll need to provide us with an email address as you'll receive an email when a document is ready to view.

  • Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post. You will still be able to earn cashback as long as you continue to meet the criteria below.

To get cashback on your household bills, 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 two active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit

  • Log on to Online or Mobile Banking at least once in every three months

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

See how much you could earn:

Cashback calculator

 

 

 

 

 

Please read the full product details and Terms & Conditions before applying. Other accounts are available,
including our 1|2|3 Current Account. See our current account range to find out more.

 

 

Earn cashback with 1|2|3 Lite Current Account

With cashback on your household bills, make the most of your banking with the 1|2|3 Lite Current Account.

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

Cashback

You will 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)
 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 licences, 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 Lite Current Account

Interest

The 1|2|3 Lite Current Account does not pay any interest on balances. If you’re looking for an account that pays interest, you might want to consider our 1|2|3 Current Account or our range of savings accounts.

There is a £1 monthly account fee that will be automatically taken from your account each month.

What you need to do to earn cashback

  • Pay at least £500 into your account each month - any payments between Santander personal accounts you're named on won't count towards this

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

  • Log onto Online or Mobile Banking at least once in every three months

When you fulfil these conditions we'll automatically work out how much cashback 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 Lite Current Account for 36 months.

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.

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

  • Arranged Overdraft - usage fees apply

  • 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

This is a paper-free account which means:

  • Your documents, statements and some of your letters will be sent as an e-Document to your secure inbox on Online Banking (unless you require documents in an alternative format, such as braille)

  • To open the account, you'll need to provide us with an email address as you’ll receive an email when a document is ready to view.

  • Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post. You will still be able to earn cashback as long as you continue to meet the eligibility criteria.

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  £6 per day  

The 1|2|3 Lite Current Account has a monthly cap for unarranged overdraft fees of £95. A total overdraft fee cap of £95 will also apply to your account meaning if you incur any arranged and/or unarranged fees in any monthly statement period, these will never be more than £95 in total.

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.

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.

Overdraft alerts
By 2nd February 2018 we’ll automatically send you alerts about your balance and payments in order to help you avoid charges e.g. when you’re in and unarranged overdraft, a payment has gone unpaid or you need to pay money in to cover a payment. These alerts are free, and will be sent by text message or email if we don’t have your mobile number.

Once your account has been registered for these alerts, you can update your alert settings, including switching the alerts off,  at any time by logging onto Online Banking, visiting one of our branches or by calling us on 0800 9 123 123.

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

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 account 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.
 

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

Stress-free switching in just 7 working days

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

  • You can choose when your switch starts - if you're switching from another provider this can be the day your account is opened or up to 60 days later

  • 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're 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. Were 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 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.

Overdraft alerts
By 2nd February 2018 we’ll automatically send you alerts about your balance and payments in order to help you avoid charges e.g. when you’re in an unarranged overdraft, a payment has gone unpaid or you need to pay money in to cover a payment.

Once your account has been registered for these alerts, you can update your alert settings, including switching the alerts off,  at any time by logging onto Online Banking, visiting one of our branches or by calling us on 0800 9 123 123.

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:

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

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

  • set up personalised account alerts to let you know what's going on with your money

And much more

Take a look at our Mobile Banking videos
 

Get the app

 

Online Banking

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

  • view your statements and other important notifications online

  • change back to paper statements

  • 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
 

Log on

 

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 Key Facts Document and Terms & Conditions. You should also download, print or save these documents.

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

  • are 18 years old or over

  • live in the UK for tax purposes

  • agree to log on to Online or Mobile Banking at least once every 3 months (unless you require alternative statement formats, e.g. Braille or larger print)

  • agree that this is a paper-free account which means your documents, statements and some of your letters will be sent as an e-Document to your secure inbox on Online Banking (unless you require documents in an alternative format, such as braille). Once the account has been open for at least a 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post.

  • provide us with a valid email address. We'll use this to let you know when we have sent you an e-Document

Open a new account or switch a non-Santander current account to us Transfer your existing Santander current account online
 
  • You'll receive a new account number, card and PIN

  • 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'll ask you to confirm that you're happy to go ahead before we open your account. Please consider before applying.

 
  • Keep your existing account number, card and PIN.

  • Use our short transfer application form.

  • If your application is 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 Lite Current Account.

 Apply now  Continue application  Transfer

 

What you need to know

  • 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.

  • When you open the account, we will automatically register you for paperless statements. You can change back to paper statements by logging on to Online Banking, calling us on 0800 9 123 123 or by going into your local branch.

 

Frequently asked questions

  • Call us immediately on 0800 9 123 123 so we can put a stop on your debit card. Lines are open 24 hours a day, 7 days a week.

    If you're abroad dial +44 1908 237 963.

    View call charges

  • You'll earn cashback on eligible household bills that are 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. You will not earn cashback on any other type of transaction (e.g. Debit Card, standing order, online transfer etc).

     

    Will my Direct Debits earn me cashback?

  • To earn cashback you must pay in at least £500 a month, set up a minimum of two active Direct Debits and log on to Online or Mobile Banking at least once in every three months. Once you meet this criteria, cashback will be calculated on eligible Direct Debit payments made in the statement period.    

     

    Cashback is paid into your account on the same day each month, depending on the date you opened or transferred your account. You can check your statement or log in to Online Banking to find out when we pay your cashback.

     

    Mobile spend cashback offer

    • Any cashback earned from the mobile spend cashback offer (5% cashback on 1|2|3 Lite debit card purchases made using Apple Pay, Android Pay and Samsung Pay before 30th September 2017) will be paid into your account in November 2017. See the Terms & Conditions for the mobile spend offer to find out more.
       
  • This is a paper-free account which means your documents, statements and some of your letters will be sent as an e-Document to your secure inbox on Online Banking (unless you require documents in an alternative format, such as braille). To open the account, you'll need to provide us with an email address as we will usually let you know when you have an eDocument available to view. Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post. You can do this by logging on to Online Banking, calling us on 0800 9 123 123 or by going into your local branch. This will not affect your ability to earn cashback.

  • We'll review your eligibility for the Select Current Account regularly. If you no longer meet the criteria, we'll contact you to explain your options.

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.
Rates may change and we pay interest each month.

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 July 2017.
 

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.