Santander current accounts for May 2025
With its full range of current accounts, Santander offers everyday banking for a variety of different needs.

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.
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"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."
Like most big banks, Santander has current accounts for all tastes, including:
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
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
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
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
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
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.
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.”
To open an account with Santander, you’ll have to provide the following information:
You can open a Santander account online or by visiting a branch.
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.
Yes, Santander offers joint accounts for 2 people. You can apply online, over the phone or in branch.
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.
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In our independent 2025 Customer Satisfaction survey, 78% of Santander’s users said they’d recommend the brand to a friend.
On Trustpilot, Santander has a score of 1.5 out of 5 from 8,000 reviews. On the Apple App Store, it’s rated 4.8 out of 5 from 1.3 million reviews. On the Google Play Store, it has a score of 4.6 out of 5 from 292,000 reviews. These were checked in April 2025.
Santander offers a range of current accounts, but is particularly good for rewards accounts. If you’re looking for a current account that pays rewards for spending and keeping an in-credit balance, it is definitely worth checking what Santander has to offer. Another attraction with Santander’s current accounts is that some of them come with linked savings accounts that pay very competitive interest rates.
The bank also regularly offers generous switching bonuses so keep an eye out. But if Santander’s current accounts are not for you, you can also compare other current accounts here.
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