Santander

Santander current accounts for April 2024

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

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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. Santander, from time to time, also offers switching incentives when you close down your account and open a new one.

Compare Santander’s current accounts

1 - 8 of 8
Name Product Finder score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
OFFER
Everyday Current Account
4.1
★★★★★
£0
No minimum funding requirement
0% AER
39.94% EAR variable
tag iconA simple and straightforward current account, with no monthly fee.
Current account switch service guarantee badge
Limited Offer: Get a free 4-year Santander Railcard worth £100 when you open an Everyday Current Account . You must be aged 20 to 25 on 30/06/2024, not already have a Santander current account and pay at least £500 into your account by 14/05/2024. T&Cs apply.
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.94% EAR variable.
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CASHBACK
Edge Current Account
Not yet rated
£3 per month
Min. £500 Per Month (Minimum two direct debit mandates on account per month)
0% AER
39.94% EAR variable
tag iconEarn cashback every month on selected household bills and essential spend.
Current account switch service guarantee badge
Limited Offer: Get a free 4-year Santander Railcard worth £100 when you open an Edge current account . You must be aged 20 to 25 on 30/06/2024, not already have a Santander current account and pay at least £500 into your account by 14/05/2024. 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.
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CASHBACK
Santander Edge Up Current
Not yet rated
£5 per month
Min. £1500 Per Month (Minimum two direct debit mandates on account per month)
3.51% AER
39.94% EAR variable
tag iconEarn cashback every month on selected household bills and essential spend plus interest on your balance.
Current account switch service guarantee badge
Limited Offer: Get a free 4-year Santander Railcard worth £100 when you open an Edge Up current account . You must be aged 20 to 25 on 30/06/2024, not already have a Santander current account and pay at least £500 into your account by 14/05/2024. 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.
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123 Mini Current Account
Not yet rated
£0
No minimum funding requirement
1% AER

Current account switch service guarantee badge
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OFFER
Santander Edge Student Current Account
Not yet rated
£0
Min. £500 per term
0% AER
N/A
tag iconA 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 £728 (average saving of £182 per year).
Current account switch service guarantee badge
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Basic Current Account
Not yet rated
£0
No minimum funding requirement
0% AER

tag iconSign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
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Private Current Account (v2)
Not yet rated
£5 per month
Min. £1500 Per Month (Minimum two direct debit mandates on account per month)
3.51% AER
39.94% EAR variable
tag iconCashback of 1% on communication, council tax, water bills, gas & electric bills paid via direct debit, capped at £15 per month.
Current account switch service guarantee badgeRepresentative 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.
View details
123 Graduate Account
Not yet rated
£0
Monthly salary must be paid into this account
1% AER

tag iconSign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
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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 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 Select Current Account offers dedicated customer support and monthly interest paid on your balance.
    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. Santander are temporarily only supporting existing customers who are looking to open new business current accounts.

    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.
  • 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.

Customer service information for Santander

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

Santander customer reviews

In our independent 2024 customer satisfaction survey, 91% of Santander’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s reputation for helpful customer service and easy online banking. Here’s what some of those Santander customers had to say:

“I’ve never had a problem with Santander, there is a local branch if I need it, and their app is easy to use”

“I have had a Current account with Santander for over 5 years. I have never had a problem with my account.”

On the Apple App Store, Santander is rated 4.8 out of 5 stars from 1.1 million reviews. On the Google Play Store, Santander is rated 3.1 out of 5 stars from 147,000 reviews (February 2024).

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 scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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 Moneyfacts.

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