Santander Boosts review: Is it worth it?

If you bank with Santander, you can sign up for Santander Boosts for free and get access to exclusive rewards. But is it worth the bother?

What is Santander Boosts?

Santander Boosts is a rewards scheme offered to Santander debit and credit card holders. It’s essentially a cashback scheme as you’ll earn money back when you spend at certain retailers.

Cashback rates vary between around 1% and 10%, and retailers include Greggs, The Body Shop, Tesco, Decathlon, Toby Carvery, Caffe Nero, plus a range of other retailers in areas such as tech and electronics, health and beauty, baby and kids, food and dining, and travel.

Santander will send you tailored offers that change regularly, and you can enter giveaways and prize draws to be in with a chance of winning prizes such as vouchers to use at selected stores.

Compare current accounts that are eligible for Santander Boosts

8 of 10 results

Finder Score	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example
Finder score 9.8Excellent Santander Edge Cashback	Finder score 9.8Excellent	£3 per month	£500 per month	0% AER	39.94% EAR variable	Earn £180 when you complete a full switch, set up 2 household Direct Debits and pay in £1.5k within 60 days. Offer can be withdrawn at any time. T&Cs/eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £3 per month.	Go to site More info Compare product selectionCompare	loading
Finder score 8.6Great Santander Everyday Current Account Cashback	Finder score 8.6Great	£0	No minimum funding requirement	0% AER	39.94% EAR variable	Earn £180 when you complete a full switch, set up 2 household Direct Debits and pay in £1.5k within 60 days. Offer can be withdrawn at any time. T&Cs/eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.	Go to site More info Compare product selectionCompare	loading
Finder score 9.6Excellent Santander Edge Up Cashback	Finder score 9.6Excellent	£5 per month	£1500 per month	2.1% AER	39.94% EAR variable	Earn £180 when you complete a full switch, set up 2 household Direct Debits and pay in £1.5k within 60 days. Offer can be withdrawn at any time. T&Cs/eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £5 per month.	Go to site More info Compare product selectionCompare	loading
Finder score 7.8Great Santander 123 Mini Current Account	Finder score 7.8Great	£0	No minimum funding requirement	1% AER		Claim a £15 Love2shop voucher when you open a 123 Mini Current Account and gain access to over 80 different retailers. Offer may be withdrawn at any time. T&Cs apply.	Go to site More info Compare product selectionCompare	loading
Finder score 9.3Excellent Santander Edge Explorer Cashback	Finder score 9.3Excellent	£17 per month	No minimum funding requirement	0% AER	39.94% EAR variable	Earn £180 when you complete a full switch, set up 2 household Direct Debits and pay in £1.5k within 60 days. Offer can be withdrawn at any time. T&Cs/eligibility apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable. Account fee of £17 per month.	Go to site More info Compare product selectionCompare	loading
Finder score Not yet rated Santander Edge Student Current Account CashbackOffer	Finder score Not yet rated	£0	Min. £500 every 4 months	0% AER	N/A	A free 4-year Santander 16-25 Railcard to save 1/3 on rail travel in Great Britain - worth £100 plus a total average saving of £768 (average saving of £192 per year)	Representative example: If you use an arranged overdraft of £1,200, you'll be charged.	Go to site More info Compare product selectionCompare	loading
Finder score Not yet rated Santander Private Current Account (v2) Cashback	Finder score Not yet rated	£5 per month	£1500 per month	2.1% AER	0% EAR variable on the first £500 and then 39.94% EAR variable	£180 switch offer. T&Cs apply.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £500 and then 39.94% EAR variable. Account fee of £5 per month.	More info Compare product selectionCompare	loading
Finder score Not yet rated Santander Basic Current Account Cashback	Finder score Not yet rated	£0	No minimum funding requirement	0% AER	N/A	More info Compare product selectionCompare	loading

Showing 8 of 10 results

Finder Score for bank accounts

To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.

Read the full methodology

Our expert says: Are Santander Boosts worth it?

"Santander Boosts are a nice little perk if you already happen to be a Santander customer. They’re free and mean that you can get cashback at places like The Body Shop and Greggs. But if these aren’t your regulars, then there’s not much in it for you. Also, the cashback amounts vary, and some just aren’t that impressive. It’s also worth noting that you need to sign up for Santander Boosts and then activate the offers you want to use, so it’s not as simple as just using your card in certain shops. All in all, if you’re already a Santander customer, then there’s no harm in signing up for Boosts. It may just earn you a little extra money each month. But if you’re on the hunt for an account that pays you cashback, then there are better options out there. "

Kate Steere

Editor

How to get the rewards

If you already bank with Santander, you can sign up by logging into mobile banking and following the below steps:

Tap on ‘Menu’ in the top right-hand corner
Select ‘Santander Boosts and register your details
Choose your interests to receive tailored offers

Alternatively, you can log in via online banking and:

Find ‘Santander Boosts’ in the top right-hand of the page
Select ‘Go to Santander Boosts’
Register your details

You’ll also need to provide your Santander debit and credit card details to be able to use these with Boosts and receive your cashback.

What does the Santander app look like?

Who is Santander Boosts for?

Santander Boosts is for anyone who holds a Santander debit or credit card and is signed up to online or mobile banking. You must also be at least 18 years old.

You won’t be able to sign up if you have a Santander business bank card or cash card.

Pros and cons

Pros

Free and easy to sign up to
Personalised cashback as you spend
You have to chance to win prizes, such as vouchers to spend at your favourite retailers
There's no limit on the number of activated offers

Cons

You'll only be eligible if you have a personal Santander debit or credit card
Cashback may be pending up to 120 days
You'll need to manage your activated offers yourself.

Santander and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field. Santander was named our 2025 Premium Bank Account Provider of the Year Award winner!

Our verdict: Is Santander Boosts worth it?

If you already hold a Santander debit or credit card, you’ve got nothing to lose by signing up to Santander Boosts. It’s free to do so and you could earn cashback whenever you spend at selected retailers, and maybe even win vouchers in the prize draws.

But if you’re currently looking for a new credit card or current account, don’t switch to Santander purely for Santander Boosts, as it won’t be worth it. If you decide to switch to Santander because the overall features of the account or card are the best match, great. But make sure you’ve compared all of your options first.

Sources

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

Thank you for your feedback!

Written by

Rachel Wait

Writer

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio

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