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1|2|3 Mini Current Account

Welcome to banking

Welcome to banking
The 1|2|3 Mini Current Account is designed to help children and young people learn money management and take the first steps towards financial responsibility. For children under the age of 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.

With the 1|2|3 Mini Current Account you'll get:

  • Monthly interest of 3% AER/2.96% gross (variable) on balances from £300 - £2000
  • Online, Mobile and Telephone Banking, giving you 24/7 access to your account plus branches nationwide
  • Free text and email alerts about your account
  • The choice of a Santander contactless debit card or cash card (not available for accounts held in trust)
  • Preferential rates with 1|2|3 World offers



Banking with a 1|2|3 Mini Current Account

  • Save money and earn a rate of 3% interest AER/2.96% gross (variable) on balances from £300 - £2000
  • Spend using a cash card or Santander contactless debit card (not available for accounts held in trust)
  • For accounts with Santander debit cards, spend using contactless mobile payments by linking your Santander debit card to your Apple, Android or Samsung device
  • Manage the account using Online or Mobile Banking. 

What interest does the account pay? 

Interest rate Account balance
1.00% AER/gross (variable) £100+
2.00% AER/1.98% gross (variable) £200+
3.00% AER/2.96% gross (variable) From £300 to £2,000

Interest is paid monthly on the day the account was opened.

Offers and cashback

  • Preferential rates with 1|2|3 World. Adults who hold the account in trust don’t qualify for 1|2|3 offers unless they have a  product that entitles 1|2|3 World access in their own name. 
  • For accounts not held in trust at age 16 the account holder can start to earn cashback of up to 15% at a range of major retailers using their Santander debit card through Retailer Offers 

Our overdraft services aren't available on this account. Generally, this means we won't let you make a payment out of the account if there isn’t enough money in it. However, very occasionally, 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. 

Account alerts (not applicable for accounts held in trust)

We’ll automatically send you alerts about your balance and payments e.g. when your balance falls below zero, a payment has gone unpaid or you need to pay money in to cover a payment. These alerts will be sent by text message and/or email.

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.

Account opening information

Children under 13 years of age
For children under 13 years of age the account must be opened in trust by an adult (trustee). Trustees must be aged 18 or over, have parental responsibility for the child and hold a Santander personal current account. After opening the account, the trustee must manage the account on behalf of the child.

When the child reaches age 11, the trustee can choose:

  • To hand over the account to the child
  • To transfer money out of the account before handing over control and ownership, so the trustee can decide how much money the child has access to
  • To continue to manage the account until the child is 18 years old

To remove the trust status from an existing account, the trustee must visit us in branch with the child. For new account openings, the trust status can be removed for all children aged 11 and over the day after account opening.

If the trust status isn’t removed by the time the young person is 18, the interest rate on the account will change to 0.10% AER/gross (variable), unless we notify you otherwise. At this point, the account can't be transferred to another account in our range but the young person can apply for an adult current account in their own name. We’ll get in touch with more information near the young person’s 18th birthday.

Accounts cannot be opened in trust for children aged 13 or over.

Children aged 13-18
From the age of 13 onwards, young people must open and manage a 1|2|3 Mini Current Account themselves. 

  • The account automatically transfers to an adult current account after the holder’s 19th birthday if it hasn’t been transferred to a different Santander current account before this time. 
  • Before transferring the account to an adult account we’ll give 2 months’ notice.
  • The General Terms & Conditions for Current Accounts and Savings Accounts will continue to apply together with any specific conditions in the Key Facts Document and Fee Information Document
     for the new account (which we’ll provide to you at the time).
  • 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

Online Banking and much more
You can keep track of the account with your phone or computer, or visit one of our branches if you'd like to ask us a question or carry out any transactions.

For accounts held in your name, the account is for you to manage. If you're one of our younger customers you can ask an adult for any help you might need. However, as it's your account, they won't be able to manage it for you. 

For accounts held in trust, the trustee will be in charge of the account and can manage it through their Online and Mobile Banking.

Need a helping hand? Use Send Me the Link to send yourself our mobile apps, videos, guides and factsheets
Send me the link allows you to send yourself links for our mobile apps, videos, guides and factsheets which can help you with your Online & Mobile Banking needs. Send Me the Link

 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:

  • see up-to-date information on your transactions and view your monthly statements 

  • manage personal details such as change of address

And much more

Take a look at our Online Banking videos

Sign up



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



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


* The use of ATMs and Post Offices is only available for accounts not held in trust. 

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.




You can apply online today if you are:

  • aged between 13 and 18 years old and;

  • living permanently in the UK

Applying in a branch
You can pop into your local branch to open your 1|2|3 Mini Current Account. Any accounts held in trust must be opened in branch.

  • 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.
  • You may need to book an appointment. Find your nearest branch
  • Remember, you'll need to bring some proof of your name and address (and your child’s name if you’re applying for them). See a list of acceptable identification 

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

Apply now Continue application




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