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Basic Current Account

The Basic Current Account has been designed to help you manage your money.

You’ll be able to get your income paid in and pay your bills by Direct Debit, standing order or Faster Payment from the Basic Current Account. If you have a limited credit history, or have recently moved to the UK, this account can help you build up your credit history.

For those times when you want the flexibility of spending money in shops or online, you'll also get a Santander Top-up debit card. This is linked to the Basic Current Account and you can top it up by transferring money from your Basic Current Account, allowing you to keep the money you’ve set aside for your bills and your spending separate.

The Basic Current Account is available to customers legally living in the European Union. All transactions on the account are made in pounds, therefore when the account is used outside the UK you may incur fees. Also when you are transferring money onto your top-up card this will also be done in pounds.

Find out how to easily transfer money between your Basic Account and top-up card online and using your mobile app. Please see the diagram below to see all the ways you can transfer money between cards.

Why choose the Basic Current Account?
With the Basic Current Account you can have your salary or other income paid in, and pay bills such as your rent or mortgage by Direct Debit or standing order from the account. You'll find your sort code and account number on your cash card so you can set up Direct Debits.

When you know how much you'll need for your bills or other regular payments, you can transfer any money left to your separate top-up account to spend on your top-up debit card in shops, online or withdraw cash. You can also move money back to the Basic Current Account at any time.

Transfer money between the Basic Current Account and Santander Top –up debit card
 in a way that suits you.

  • Online

  • Santander UK Cash machines

  • By phone

  • In any Santander UK branch

The Basic Current Account gives you:

  • Simple banking with no account or overdraft fees

  • A Santander Top-up debit card to separate your spending money from the money you set aside for bills, and help you control spending. You'll also get a cash card; find out more about how to use it in the table below.

  • 24/7 access to your account using Online, Mobile and Telephone Banking

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

  • Access across the UK via Santander's UK branch network, UK Post OfficeTM counters and cash machines 

  • Support tools such as text and email alerts as well as monthly statements

Account alerts – 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.

Your cards

Santander Top-up debit card Basic Current Account Cash Card
Transfer money from your account and only spend the amount of money that's on the card

Withdraw cash as long as you have enough in your account from any Santander UK or Link cash machine, or Cirrus ATMs worldwide.

Spend in shops and online up to the amount that you've transferred. You can also use this card outside of the UK to withdraw cash and spend in shops; simply look for the Visa sign. Find your bank account details on this card and use them to set up Direct Debits, standing orders, faster payments and international payments from your account
Withdraw cash that you've transferred onto the card from any UK Link cash machine. If you use a UK Santander cash machine you can take out money using this card whether you've transferred it or not. Manage your account at Santander UK cash machines using this card. You can also transfer money between your Basic Current Account and top-up card.
Get Retailer Offers to earn cashback on your spending. Once you've switched on this service through Online or Mobile Banking you could earn up to 15% cashback when you use your top-up debit card at a range of major retailers. Find out more about Retailer Offers. You can't use this card to spend in shops or online
Manage your account at Santander UK cash machines using this card. You can also transfer money between your Basic Current Account and top-up card.  
You can't use this card to make mobile payments as it's not contactless  

To prevent the account going overdrawn you won't be able to set up or make certain payments on the Santander Top-up debit card, including;

  • Recurring and instalment transactions (e.g. magazine subscriptions). These are a series of payments made using your card number. If you want to switch your account from another bank to the Basic Current Account, we won't  be able to move any existing recurring payments;

  • Automated/pay at pump petrol stations - but you will be able to pay over the counter at petrol stations;

  • Car Hire;

  • Parking or vending machines

  • Fees may apply when withdrawing cash from outside the UK and making purchases in any other currency other than pounds.

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


Please read the full product details, Key Facts document, Fee Information Document and Terms and Conditions before applying.
Other accounts are available; see our current account product range to find out more.


Switching your existing UK current account to the Basic Current Account

Stress-free switching in just 7 working days

  • You can switch either 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 

  • There's no overdraft facility on the Basic Current Account so you won't be able to move an overdraft across

  • If you have any recurring and instalment transactions (e.g. magazine subscriptions) set up on your old debit card, these payments will not be accepted on your top-up card. You will have to make other arrangements with the company you have a recurring transaction set up with. 

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 by visiting us in 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

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 see the nearby offers you could make the most of with Retailer Offers. If you want to check any payments you've made recently, take a look with the mobile app. 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



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

  • If you live outside the UK call +44 (0)1908 237 963, lines are open 8am to 9pm Monday to Friday, and 8am to 4pm Saturday (GMT).

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


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.

 *Only available within the UK

Everything you need to know before you apply

Important contractual information is included in the documents which can be accessed via the links below.

We advise that you should read and consider these documents before proceeding with your application.

You should print or save copies of these documents for further reference and records. If there are any questions you have regarding the agreement or you require further information please contact us.

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

Before applying, please make sure you have read and accepted the product details and Terms & Conditions (including the specific conditions in the Key Facts Document, Fee Information Document and FSCS Information Sheet) 

Important Information
Before you proceed with your application please be aware that you may need to post us identification that:

  • Provides proof of your name (e.g. valid passport or driving licence) and
  • Provides proof of your address (e.g. council tax bill/ tenancy agreement)

A full list of acceptable identification can be found here
If you're unable to provide ID as detailed in the above document and would like to discuss alternative options please visit a Santander UK branch. If you live outside of the UK please click here.
You can apply for the Basic Current Account online in just 10 minutes if you:

UK Residents European Union Residents
(excluding the UK)
  • are 16 years of age or over

  • live in the UK

  • do not already hold a Basic Current Account, or more than one other current account with Santander

  • are joint account holders and both live in the UK

  • are 16 years of age or over

  • are legally resident in the EU

  • do not hold any other current account with Santander UK or any other UK provider

  • are joint account holders and both live in the EU (if one applicant lives in the UK, you must apply for the EU Basic Account noting the EU resident as the first applicant)

If you are completing a joint application where one person lives in the UK and the other in the EU, please click on the 'EU Resident' option.

Before applying, please make sure you have read and accept the product details and Terms & Conditions (including the specific conditions in the Key Facts Document and FSCS Information Sheet)

Apply today or complete a previously saved application

UK Residents EU Residents
(excluding UK)
Apply now

Continue application
Apply now

Please make sure you select the correct button. Any applications by UK residents using the 'EU residents only' application form won't be accepted.

The Basic Account is only available to customers legally resident in the European Union, including the UK.


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