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
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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 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
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 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 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:
You can open a Santander account online or by visiting a branch.
Customer reviews of Santander
On the App Store, the Santander mobile banking app has an average score of 4.8 out of 5 stars, based on more than 860,000 reviews. Over on the Google Play Store, the Santander app receives an average mark of 4.4 out of 5, based on around 120,000 reviews.
In Finder’s latest banking customer satisfaction survey, Santander received 4.5 out of 5 stars, and 80% of Santander’s current account customers said they would recommend the bank to a friend.
Why should I compare current accounts anyway?
Despite offering a pretty basic service at their core, current accounts are not all the same. Banks tailor them according to different criteria and needs, so it’s worth spending time thinking about what you use your account for and which features suit you best. Do you pay expensive bills, eat out a lot, withdraw much cash or travel frequently? By browsing a bit, chances are you can find an account that was meant for someone like you.
Moreover, competition in the market is quite steep, because once people get a current account with one bank, they’re also likely to go to it for the rest of their financial needs. So, you can often get nice incentives just for switching your main current account from one institution to the other.
Our current accounts page compares a selection of current accounts and their features to help you pick the one that works best for you.
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
More guides on Finder
How to open a new savings account
Learn more about opening a savings account with our guide.
Flexible ISAs: What they are and how they work
Learn more about how flexible ISAs work.
Compare 2-year fixed rate cash ISAs
Find out more about the pros and cons of 2-year fixed rate cash ISAs
Kuda money app review
We take a detailed look at the Kuda money app to see how it works.
Is Volopa’s business payments platform right for your business? We take a closer look at Volopa’s business solutions.
Best ISAs for 2023
Discover the key differences between a cash ISA and a stocks & shares ISA and which option is right for you.
How to buy Nestlé (NESN) shares in the UK
Learn more about Nestlé’s recent performance and where you can invest in Nestlé shares. We also run through some helpful rules of thumb for any investor
Christmas spending in the UK set to drop by more than £5.5 billion in 2022 as cost of living crisis bites
This latest research explores how much the UK is set to spend on Christmas in 2022, and how much Brit’s spend on unwanted gifts.
5 assets investors are buying in the dip: From commodities to ETFs
Markets have taken a hit in 2022. We share which assets are popular in the recent market pull-back. Created in collaboration with eToro
Over half of Brits plan to make a New Year’s resolution in 2023, with health and money leading the way
Over half of Brits plan to make a New Year’s resolution in 2023