The current account that gives you more with the Santander Select service. All for a £5 monthly fee to maintain the account.
To open the account you'll need to:
To get cashback and interest you'll need to:
As well as interest on your balance and cashback on selected household bills, the Select Current Account also gives you:
Interest and cashback
To earn interest and cashback you’ll need to pay in at least £500 a month (any interested paid, and payments between Santander personal accounts you’re named on won’t count towards this) and have at least 2 active Direct Debits.
You can earn monthly interest of 1.50% AER/1.49% gross (variable) on your balance up to £20,000. Interest is received gross, with no income tax deducted. Take a look at our information pages to learn more
You can earn 1-3% cashback on selected household bills paid by Direct Debit every month. Cashback is paid monthly. Use the cashback calculator to find out how much you could earn.
Find out which suppliers you can earn cashback with as well as other exclusions.
You can apply if
You can have a maximum of 2 Select Current Accounts and 1|2|3 Current Accounts, 1 in your name and 1 in joint names.
We'll check regularly that you're still eligible for the Select Current Account. If you no longer meet the criteria, we'll contact you to explain your options.
The Arranged Overdraft Usage fee will depend on the amount you use. The first £500 is fee-free.
|Arranged Overdraft fee|| |
£0 - £500
|Unarranged Overdraft fee|| |
We'll send you alerts about your balance and payments to help you avoid using an unarranged overdraft. You can manage your alert settings through Online Banking, calling us on 0800 032 3323 or visiting a branch.
|Representative example |
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage fee of £1 per day on overdraft limits between £500.01 and £1,999. If you're switching to Santander 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.
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
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.
Switching your existing current account to the Select 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 Select 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
Switching to Santander is hassle free and can be completed in just 7 working days.
You can apply online, in a branch or by calling us on 0800 032 3323. We will ask you during the application if you want to switch an account you hold elsewhere to Santander.
Lines are open 24 hours a day, 7 days a week.
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
|Representative example |
0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage fee of £1 per day on overdraft limits between £500.01 and £1,999. If you’re switching to Santander 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:
Our fastest growing way to bank. Use your phone or device to:
And much more
24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus:
And much more
Come in and see us for:
Use our Cash machines for:
|Post Office |
Protect yourself from fraud
It’s very important that you keep your banking details private and secure.
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 may like to save or print them so you can refer to them in the future.
Select Current Account Key Facts Document including The Statement of Lender and Borrower Responsibilities and Pre-Contractual Information, FSCS Information Sheet and Exclusions List
Fee Information Document details the main fees and charges on this account
General Terms & Conditions including Terms of Business
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 Select Current Account online in just 10 minutes if you:
are 18 years of age or over
live in the UK permanently
|Open a new account or switch a non-Santander account to us||Transfer your existing Santander 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.
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 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.