Santander Edge Explorer review: Is it worth it?
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Cashback
Our verdict
Explore the world with the newest member of the Santander Edge family.
Santander Edge Explorer is the full package, with 4 insurance benefits, cashback and fee-free spending abroad. If you’ve got a busy family life, Edge Explorer is designed to plug the gap and sort things like travel insurance and breakdown cover for you. Plus, you can potentially earn £20 in cashback a month. However, Edge Explorer carries a £17 monthly fee, so you should make sure that the insurance benefits and cashback outweigh that. It’s always best to check that the insurance cover on offer suits your circumstances and if it’s worth the money. If you’re interested in seeing what else Santander has to offer, compare other Santander accounts here. You can also take a look at other current accounts with cashback offers.
Pros
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Worldwide family travel insurance
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UK and EU breakdown cover
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Cashback
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Mobile phone insurance
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24/7 GP access
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Fee-free spending abroad
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Access to linked saver
Cons
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Monthly fee applies
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No interest paid on credit balances
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Cashback capped each month
Details
Product overview
| Incentive | Earn £200 cash when you switch to a Santander Edge Explorer current account. To receive the £200, 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 Offer can be withdrawn at any time. Also claim a £25 Amazon.co.uk Gift Card if you complete a full switch to a Santander Edge Explorer current account or if you’re not switching, complete 5 debit card transactions by 31/12/2025 to access the offer. Offer may be withdrawn at any time. T&Cs and eligibility apply. |
| Provider | Santander |
| Account fee | £17 per month |
| Interest (AER) | 0% AER |
| ATM withdrawal limit | £300 |
| Debit network | Mastercard |
| Minimum eligibility age | 18 |
| Direct debits | |
| Current account switch guarantee | |
| Cheque Book |
Overdraft information
| Arranged overdraft available | |
| Arranged overdraft rate | 39.94% |
| 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. |
What is the Santander Edge Explorer current account?
The Santander Edge Explorer account is a packaged account which has the features you’ll recognise from other Santander Edge accounts, like cashback on selected household bills and essential spending, but includes insurance benefits. It also has fee-free spending abroad and access to the Edge Saver. In return, you’ll need to pay a £17 monthly fee to maintain the account.
You can open the account individually or jointly, but you’re only allowed one account per person, meaning you can’t have an individual account and a joint account.
How does it work?
The Santander Edge Explorer has the following key features:
- Travel insurance. With the account, you get worldwide family travel insurance.
- Breakdown cover. UK and EU breakdown cover, including if you are a passenger.
- Mobile phone insurance. Family mobile phone insurance including up to 4 devices.
- GP Services. 24/7 remote GP access.
- Cashback. Earn 1% cashback on selected household bills when you pay by direct debit (up to £10 a month) and earn 1% cashback at supermarkets and on travel costs when you use your debit card (up to £10 a month).
- Zero foreign transaction fees. There are no fees for using your debit card to withdraw cash or make payments outside the UK in the local currency.
- Access to the Edge Saver. As an Edge account holder, you’ll get access to the Edge Saver account 6% AER.
Who is it for?
To open the Santander Edge Explorer account, you’ll need to be at least 18 years old and permanently live in the UK. You can only hold 1 Santander Edge Explorer current account, either 1 in your own name or 1 in joint names.
With this account, there are no direct debit or salary requirements. However, joint account holders must live at the same address.
Santander customer reviews
Customers who participated in Finder’s 2025 customer satisfaction survey were mainly positive about Santander, with many highlighting its “good” customer service and “easy to use” app.
However, Santander was towards the bottom of the table in our 2025 banking customer satisfaction awards, with 78% of customers happy to recommend the brand to a friend.
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