Has cashback options with its current accounts
No spending categories or saving pots in the banking app
Santander current accounts for March 2023
With its full range of current accounts, Santander offers everyday banking for a variety of different needs.
Spanish-headquartered bank Santander combines the advantage of a big, established bank on the UK high street with a good choice of different current accounts.
Whether you’re looking for cashback on your bills or for a premium account that offers dedicated 24/7 customer service, you’re likely to find something that suits you.
Compare Santander’s current accounts
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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 arrange an overdraft.
Learn more about regular current accountsReward 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 accountsPremium 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 Select Current Account offers dedicated customer support and monthly interest paid on your balance.
Learn more about premium current accountsStudent 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 accountsChildren’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 accountsBusiness 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 few months. The third option is a Treasurer’s current account which offers free day-to-day banking for clubs, societies and charities.
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.
- 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 450 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 and to log in with your fingerprint. 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.
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.
Santander customer reviews
Santander was ranked sixth out of 18 current account providers in our independent 2023 customer satisfaction survey. Its users gave the brand 4.5 out of 5 stars and a massive 85% said they’d recommend the current account service. Users highlighted the bank’s strong customer service and its secure, easy-to-use smartphone app. Here’s what some of those Santander customers had to say in our survey:
“A reliable bank with excellent customer service.”
“Great customer service. Excellent in-branch experience.”
“Easy and secure online app.”
On the Apple App Store, Santander’s mobile banking app scored 4.8 out of 5 stars from over 1 million reviews. On the Google Play Store, it scores 4.4 out of 5 stars, from a total of 137,000 reviews (last updated, January 2023).
Our verdict
Santander offers a range of current accounts, and if you’re looking for a current account that pays rewards for spending and keeping an in-credit balance, this bank has to be one to explore further. But if Santander’s current accounts are not for you, you can also compare other current accounts here.
Frequently asked questions
Banking ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
The customer satisfaction score ("Customers say") is based on a survey of 2,944 customers carried out in December 2022.
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.
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