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Compare our range of current accounts

With a selection of current accounts available, you're sure to find the one that's right for you

Use our comparison table to check the different features of the accounts. The 'Find out more' link takes you to more information and ways to apply.

 

1|2|3 Current Account

(18yrs or over)

Select Current Account
(18yrs or over)

1|2|3 Lite Current Account

(18yrs or over)
 

Everyday Current Account

(18yrs or over)

Choice Current Account

(18yrs or over)

Basic Current Account ***

(16yrs or over)

Essentials Current Account

(18yrs or over)

Cashback
(on selected household bills paid by Direct Debit)

Yes

Yes
 
Yes No No No No
Interest earned on balance*

Yes

Yes
 
No No No No No
Eligibility criteria to receive cashback &/ or interest Pay in £500 a month, set up at 2 active Direct Debits Pay in £500 a month, set up 2 active Direct Debits Pay in £500 a month, set up at 2 active Direct Debits, log on to Online or Mobile Banking at least once every three months

n/a

n/a

n/a

n/a

Current Account Switch Service Yes Yes Yes Yes Yes Yes Yes
Visa debit card Yes Yes Yes

Yes  

Yes

Top-up debit card

Cash card

Yes
Chequebook Yes Yes Yes Yes

Yes

No

No

Monthly funding

Yes

At least £500 per month

Yes

At least £500 per month

 Yes

At least £500 per month

No No No No
Monthly account fee

Yes

£5

Yes

£5

Yes

£1 

No

Yes

£10

No

Yes

£1

Arranged Overdraft Yes Yes Yes  Yes

Yes

No No
Arranged Overdraft Usage Fee

Yes

Below £2,000
£1 a day

£2,000 to £2,999.99
£2 a day

£3,000 and over - £3 a
day

Yes

Up to £500
£0 per day

£500.01 to £1999,99
£1 a day

£2,000 to £2999.99
£2 a day

£3,000 or more
£3 a day
 

Yes

Below £2,000
£1 a day

£2,000 to £2,999.99
£2 a day

£3,000 and over - £3 a
day

Yes

Below £2,000
£1 a day

£2,000 to £2,999.99
£2 a day

£3,000 and over - £3 a
day

Yes

£1 per day (capped at 20 days)

No No
Unarranged Overdraft Usage Fee

No fees from 10 July 2018

Currently: £6 per day

No fees from 10 July 2018

Currently: £6 per day

No fees from 10 July 2018

Currently: £6 per day

Yes

£6 per day

No** No No
Paid & Unpaid Transaction Fee (per transaction) No No  No

Yes

£10 Paid / £10 Unpaid Transaction Fee

No No

Yes

£10 Unpaid Transaction Fee only

(including  Unarranged Overdraft Fees, Paid & Unpaid Transaction Fees)****

No cap from 10 July 2018 as no unarranged fees apply^

Currently: £95 per month

No cap from 10 July 2018 as no unarranged fees apply^

Currently: £95 per month

No cap from 10 July 2018 as no unarranged fees apply^

Currently: £95 per month

 

£50 from 10 July 2018^^

Currently: £95

N/A N/A

 

£50 from 10 July 2018^^

Currently: £95

Total monthly overdraft fee cap

No total cap from 10 July 2018 as no unarranged fees apply^^

Currently: £95 per month

No total cap from 10 July 2018 as no unarranged fees apply^^

Currently: £95 per month

No total cap from 10 July 2018 as no unarranged fees apply^^

Currently: £95 per month

No total cap from 10 July 2018^^

Currently: £95 per month

£20 N/A

 

£50 from 10 July 2018^^

Currently: £95

Additional eligibility criteria No

Yes

Eligibility criteria applies

No No No No No
Full details and ways to apply Find out more Find out more
 
Find out more Find out more Find out more Find out more Find out more

^ From your first monthly statement period starting on or after 10 July 2018, the total monthly overdraft fee cap of £95 will be removed. From 10 July 2018, Unarranged Overdraft usage fees will no longer apply. Arranged Overdraft fees will continue to be applied if an Arranged Overdraft facility is used. 

^^ Applies from the first monthly statement period starting on or after 10 July 2018. Arranged Overdraft fees will continue to be applied if an Arranged Overdraft facility is used. 

*Interest is paid on entire balance up to £20,000.

**If you have an Arranged Overdraft on your Choice Current Account and you go beyond your limit we will continue to charge you the Arranged Overdraft Usage Fee.

***Available to customers legally resident in the European Union.

****For more information on the unarranged overdraft fee cap please see Understanding overdrafts

On accounts where we pay interest, interest is received gross, with no income tax deducted. Take a look at our information pages to learn more

Our overdraft fees on some of our accounts are capped and different caps may apply. You can find out more by following the relevant 'find out more' link.

Please note: Visa debit card, chequebook and Arranged Overdrafts are subject to status.

Compare our overdraft fees
 

Our student and graduate accounts are available to customers who are studying (or have just finished studying) with a higher education provider in the United Kingdom.

Use our comparison table to check the different features of the accounts. The 'Find out more' link takes you to more information and ways to apply.

 

1|2|3 Student
Current Account
 

(18yrs or over)

1|2|3 Postgraduate
Current Account
 

(19yrs or over)

1|2|3 Graduate 
Current Account
 

(19yrs or over)

Essentials
Current Account
 

(18yrs or over)

Free 4-year
16-25 Railcard
Yes* No No No
Interest earned on balance Yes** 

minimum of £500 each academic term to receive interest

Yes** Yes** No
Current Account Switch Service Yes No No Yes
Visa debit card Yes Yes Yes Yes
 Chequebook Yes Yes Yes No
Funding requirement

Yes

£500 per term

Yes

main form of income

Yes

funded by salary

No

Monthly account fee No No No

Yes

£1

Arranged Overdraft Yes Yes Yes No
Arranged Overdraft Usage Fee No No No No
Unarranged Overdraft Usage Fee

Yes

£5 per day (capped at 10 days)

Yes

£5 per day (capped at 10 days)

Yes

£5 per day (capped at 10 days)

No
Paid & Unpaid Transaction Fee
(per transaction)

Yes

£5 Paid / £10 Unpaid Transaction Fee

Yes

£5 Paid / £10 Unpaid Transaction Fee

Yes

£5 Paid / £10 Unpaid Transaction Fee

Yes

£10 Unpaid Transaction Fee

Unarranged overdraft fee cap (including Unarranged Overdraft Fees, Paid & Unpaid Transaction Fees where applicable)***

  

£50 from 10 July 2018^

Currently: £95 per month

  

£50 from 10 July 2018^

Currently: £95 per month

  

£50 from 10 July 2018^

Currently: £95 per month

  

 £50 from 10 July 2018^

Currently: £95 per month

Total monthly overdraft fee cap

£50 from 10 July 2018^

Currently: £95

£50 from 10 July 2018^

Currently: £95

£50 from 10 July 2018^

Currently: £95

 £50 from 10 July 2018^

Currently: £95

Full details and ways to apply  Find out more  Find out more  Find out more  Find out more

^ Applies from the first monthly statement period on or after 10 July 2018.

If you have recently moved to the UK you may also want to take a look at our Basic Current Account. This account doesn’t offer an overdraft facility or a cheque book and comes with a cash card and a Top-up Debit card. There is no monthly account fee on this account.

*To be eligible for the Railcard you must register for Online Banking.

**Interest paid on entire balance up to £2,000 when you have at least £100 in your account.

***For more information on the unarranged overdraft fee cap please see Understanding overdrafts

From 6 April 2016, on accounts where we pay interest, interest is received gross, with no income tax deducted. Take a look at our information pages to learn more

Our overdraft fees on some of our accounts are capped and different caps may apply. You can find out more by following the relevant 'find out more' link.

Please note: Visa debit card, chequebook and Arranged Overdrafts are subject to status.

Use the table below to check the features of the 1|2|3 Mini Current Account.
 

 

1|2|3 Mini Current Account
 

(0-18yrs)

Interest earned on balance Yes*
Arranged Overdraft No
Visa debit card

Yes**

Chequebook No
Monthly funding No
Monthly account fee No
Arranged Overdraft Fees No
Unarranged Overdraft Fees No
Paid & Unpaid Transaction Fee
(per transaction)
No
Full details and ways to apply Find out more

 

*Interest paid on entire balance up to £2,000 when you have at least £100 in your account.

** please note, no cards are issued for accounts held in trust

To compare our range of children's savings accounts visit our savings compare page.

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. The day after the account is open, the trust status can be removed for all children aged 11 and over.

Please note: Visa debit cards are subject to status.

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.