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123 World Offer 1|2|3 World and Santander Select customers are eligible for a preferential rate. See below for more information.

Summary Box

Account name eSaver (Issue 15)
What is the interest rate?
Tier AER/Gross (variable) for the first 12 months from account opening
If interest is paid annually If interest is paid monthly
eSaver eSaver for 1|2|3 World or Santander Select customers eSaver eSaver for 1|2|3 World or Santander Select customers
£1+ 0.40% 0.50% 0.40% 0.50%

Interest is calculated daily and added to this account annually or monthly. Once the frequency has been chosen (annual or monthly interest), this can’t  be changed.

Can Santander change the interest rate? Yes, the rate can go up or down e.g. in response to industry and market conditions. If the rate goes down, we’ll let you know around 2 months before the rate changes.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Account name Interest earned Balance after 12 months
 eSaver  £4.00  £1,004.00
 eSaver for
1|2|3 World or Santander
Select customers
 £5.00  £1,005.00

Estimates assume that the account is opened and deposit made on 1st of the month, interest is paid annually and no change to interest rates.
At the end of term
The term of the account is 12 months. On maturity we’ll transfer your account to an Everyday Saver, currently paying 0.35% AER/Gross (variable) for balances of £1+. We’ll notify you before we do this and tell you your options.

Estimated balance of Everyday Saver after 12 months:
Maturing account balance transferring to Everyday Saver Interest earned Everyday Saver balance after 12 months
eSaver - £1,004.00 £3.51 £1,007.51
eSaver for
1|2|3 World or Santander
Select customers - £1,005.00
£3.52 £1,008.52

Estimates assume no further deposits or withdrawals made and no change to interest rates.
These illustrations are only examples and don’t take into account individual circumstances.

How do I open and manage my account? To open the account you must be:

  • a UK resident, this account can be held in single or joint names;
  • aged 16 or over; and
  • signed up or are going to sign up for Online or Mobile Banking.

To be eligible for the higher interest rate you must be a 1|2|3 World or a Santander Select customer at point of opening. For joint accounts, at least one person must be either a 1|2|3 World or a Santander Select customer.


  • Online and Mobile.
  • Visit any Santander branch.

Minimum opening and account balance of £1, maximum of £2 million. Deposits can be made at any time via standing order, one-off payments or online transfers.

Manage the account

  • Online and Mobile Banking.
  • Link account to an existing Santander cash card.
  • Statements are issued annually in April in Online Banking only. We provide you with information about transactions on your account by posting them to Online Banking for you to view at any time.
Can I withdraw money? Yes, withdrawals can be made at any time by transfer to another account in Online and Mobile Banking.
Additional information You can cancel the account within 14 days of opening and your money will be returned in full with interest.

The eSaver is subject to availability and may be withdrawn from sale at any time without notice. Rates and information correct as at 3 September 2018.

Please read the full product details and terms & conditions before applying. Other accounts
 are available; see our savings account range to find out more.


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.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. For more information find out more.

Watch our Online Banking videos to learn more.

Mobile Banking
Bank from anywhere using our apps. For more information find out more.

You can see the interest rate on your savings account in the mobile app - just click on the account when you're in the app.

Watch our Mobile Banking videos to learn more.

Get the app

Free text and email alerts
You don’t have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. When you set up account alerts we send you a text, email or both when it happens, for example if your balance goes above or below a certain amount. Learn how to set up alerts

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.

Find out more
Online Banking
Mobile Banking
Account Alerts
Our video playlists

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.

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

Please read full product details and terms & conditions before applying.

You can apply for the eSaver savings account if you:

  • are at least 16 years of age

  • are a UK resident

  • have at least £1 to deposit when you open your account

  • are signed up or are going to be signed up for Online or Mobile Banking

To get a higher rate of interest on your eSaver you must also be a 1|2|3 World or Santander Select customer.

A Santander 1|2|3 World customer is someone who holds one of our 1|2|3 current accounts, Select Current Account, 1|2|3 Credit Card (including additional card holders) or the 1|2|3 Mini Account (in Trust). Trustees are not classed as 1|2|3 World customers. All customers must meet the eligibility for each product and 1|2|3 World offer. Find out more about 1|2|3 World. Please note that the 1|2|3 Credit Card is no longer on sale.

To join Santander Select you must have a Select Current Account and meet one of the following criteria: pay your main income of at least £5,000 per month into a Select Current Account (excluding transfers from other Santander accounts), or keep £75,000 in any Santander investment(s), savings or current account.  Find out more about Santander Select

Please ensure you select the correct button below. If you select the wrong option it may result in you receiving the incorrect interest rate or the account being closed. 

Not a 1|2|3 World or Santander Select customer 1|2|3 World and Santander Select customers

Apply now for the eSaver. Link opens in a new window

Apply now for the eSaver for 1 2 3 World or Santander Select customers. Link opens in a new window

Apply in branch
Find your nearest branch or call 0800 085 1553 to make an appointment. Lines are open 8am to 9pm Monday-Friday and 8am to 4pm Saturday.

How long will it be before your account is open?
If you already bank online with us, your account will be open and you'll be able to see it in Online Banking within 48 hours of submitting your application.

If you need to register for Online Banking, your account will be open within 48 hours and we'll register you for Online Banking automatically. You will have access to your eSaver savings account when you've received all your Online Banking log on details which usually takes about 1 week.

Rates and information correct as at 3 September 2018.

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.

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