Santander current accounts for April 2026

Compare Santander's accounts Compare fees, features & more

Santander offers the best of both worlds to its customers. It’s a big, established high street bank but it also offers a wide range of rewarding current accounts and regularly entices new customers with generous switching bonuses.

Whether you’re looking for cashback on your bills or for a premium account with your personal private banking contact, you’re likely to find something that suits you.

Compare Santander’s current accounts

10 of 10 results

Finder Score	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example
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 cash when you switch to a Santander Everyday current account. To receive the £180, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs 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 9.8Excellent Santander Edge Cashback	Finder score 9.8Excellent	£3 per month	£500 per month	0% AER	39.94% EAR variable	Earn £180 cash when you switch to a Santander Edge current account. To receive the £180, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs 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 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 cash when you switch to a Santander Edge Up current account. To receive the £180, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs 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 cash when you switch to a Santander Edge Explorer current account. To receive the £180, complete a full switch, set up 2 active household Direct Debits and pay in £1,500 within 60 days. Switch incentive available when you use Current Account Switch Service. Offer can be withdrawn at any time. T&Cs 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 123 Mini Current Account (0-12)	Finder score Not yet rated	£0	No minimum funding requirement	1% AER	N/A	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
Finder score Not yet rated Santander Edge Graduate Current Account Cashback	Finder score Not yet rated	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £2,000 and then 0% EAR variable	Representative example: If you use an arranged overdraft of £1,200, you'll be charged.	More info Compare product selectionCompare	loading

Showing 10 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: A premium account from Santander: Is it worth it?

"As far as packaged accounts go, the Edge and Edge Up accounts are pretty decent. Both have relatively low fees, and both offer rewards that can easily outweigh the monthly cost of the accounts. What’s more, Santander’s website includes a calculator to help you easily work out whether paying for your account will be cost-effective – something that isn’t always clear-cut with other packaged accounts.

With the Edge account, the maximum cashback you can earn each month on household bills is £10. But to earn that, your household bills would need to total £1,000 a month. If, on the other hand, they totalled £400 a month, you’d earn £4 a month, and this more than covers the £3 monthly fee.

On top of this, you can earn up to a further £10 a month in cashback on supermarket spending and travel costs. This is something you might be able to achieve if you regularly commute by train, for instance. But even if you only earn half of that, say £5 a month, add it to the £4 a month you’ve earned from your household bills and you’re looking at £9 a month. Or £6 a month once you’ve deducted the account fee.

It’s not bad when you consider this works out to be an extra £72 a year (with fees deducted), and all you’re doing is spending as normal.

Further benefits of the Edge account include fee-free spending abroad and access to a highly competitive savings account paying 7.00% AER. So all in all, I think it’s pretty good value, as long as you earn enough in cashback. You’re likely to find it particularly valuable if you open it as a joint account as you’ll only have one monthly fee to pay, but you’ll earn more cashback.
The Edge Up account works in a similar way but has a higher monthly fee of £5. In return, you can earn up to £15 a month in cashback for both household bills and travel spend."

Rachel Wait

Writer

Types of current account from Santander

Like most big banks, Santander has current accounts for all tastes, including:

Regular current accounts
If you’re looking for a simple and straightforward account then you can apply for Santander’s Everyday Current Account in less than 10 minutes. It doesn’t charge any fees and is open to anyone over the age of 18. You can apply for an overdraft on this account too.
Learn more about regular current accounts
Reward and incentive accounts
In exchange for a monthly fee, with Santander’s reward accounts you can get cashback on your household bills and interest paid on your balance. Reward accounts can be ideal as main current accounts, because they offer good perks if you use them regularly.
Learn more about reward and incentive accounts
Premium accounts
If you meet the demanding financial criteria of a premium current account, you should probably go for it and enjoy the extra perks it comes with. Santander’s Private Current Account offers a dedicated private banker, cashback on household bills and interest on your balance, plus enhanced savings rates.
Learn more about premium current accounts
Student accounts
Students usually need extra support with their finances and Santander’s student’s account provides it through a fee-free overdraft feature and a free railcard.
Learn more about student accounts
Children’s accounts
Santander’s 1|2|3 Mini Current Account can teach your children how to manage their finances from an early age, while also giving a little boost to their pocket money with a nice interest rate.
Learn more about children’s accounts
Business accounts
There are three business accounts to choose from with Santander. The 123 Business Account offers benefits such as cashback and interest paid on balances, while the Business Account is a straightforward bank account that offers free everyday banking for start-ups for the first 18 months. The third option is a Treasurer’s current account which offers free day-to-day banking for clubs, societies and charities.
Learn more about business accounts

The benefits of banking with Santander

Perks. Santander offers different perks and rewards to its account holders depending on the type of current account – some even pay a decent interest rate on in-credit balances.
Linked savings accounts. Some Santander current accounts come with linked savings accounts paying very healthy interest rates.
Multiple ways to bank. Depending on your preferences and banking style, you can do everything online or talk to someone in person at one of Santander’s 444 UK branches.
Mobile banking app. Santander’s mobile app doesn’t have tons of features but it looks clean and tidy, and allows you to see all your Santander accounts in the same place. In a nutshell, it does the job just fine.
A wide range of related products. One of the benefits of big banks such as Santander is that if you need a bunch of different financial products (a mortgage, a credit card or a savings account) you can have them all with the same providers and choose from a variety of options.
Global acceptance. Santander cards are all either Mastercard or Visa, so they’re accepted pretty much anywhere in the world.

Santander has a reputation for offering a good cashback current account. These are great household bills accounts. Pay in enough each month to cover all your bills and set up direct debits to pay everything automatically then sit back and watch the cashback reward you.”

– Ruth Jackson-Kirby, personal finance expert

Opening an account with Santander

To open an account with Santander, you’ll have to provide the following information:

Your personal details and address history.
How much you expect to pay in each month.
Date you started your job.
Your salary details and any assets you have.
Your nationality/citizenship.
Proof of identity (passport, driving licence, EEA or Swiss national identity card).
Proof of address (utility bill or bank statement).

You can open a Santander account online or by visiting a branch.

Does Santander offer any promotions, discounts or refer-a-friend offers?

Santander offers switching deals from time to time, but doesn’t have any at the moment. You can compare other switching deals in the market in our guide.

Does Santander offer joint accounts?

Yes, Santander offers joint accounts for 2 people. You can apply online, over the phone or in branch.

Does Santander offer premium/packaged or premier accounts?

Santander no longer offers its premier service called Santander Select to new customers. However, you can apply for Santander’s Private Account that comes with your personal private banking contact and a range of other benefits.

What do customers say about Santander?

90% of customers we surveyed in 2026 would recommend Santander to a friend.

It is a dependable high-street choice, best known for its popular cashback-on-bills offering. Customers find the mobile app secure, simple to use, and reliable for everyday transactions.

However, while the bank retains a solid base of long-term users, there is a recurring sentiment that it could be doing more to stay competitive. Recent fee increases on their flagship accounts, combined with unimpressive interest rates, have left some customers feeling that while Santander is a safe pair of hands, it currently lacks a "wow" factor.

AI-generated summary from the text of customer reviews on Finder.

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!

Customer service information for Santander

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Frequently asked questions

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.

Sources

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been reviewed by Ruth Jackson-Kirby, a member of Finder's Editorial Review Board.

Written by

Valentina Cipriani

Writer

Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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Santander current accounts for April 2026

With its full range of current accounts, Santander offers everyday banking for a variety of different needs.

Compare Santander’s current accounts

Finder Score for bank accounts

Types of current account from Santander

Regular current accounts

Reward and incentive accounts

Premium accounts

Student accounts

Children’s accounts

Business accounts