Santander Edge current account review
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Cashback
- Incentive
- Earn £200 cash when you switch to a Santander Edge 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 Offer can be withdrawn at any time.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 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 Offer may be withdrawn at any time.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.
- Account fee
- £3 per month
- Interest (AER)
- 0% AER
- Overseas card transactions
- 0%
- 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.
Our verdict
Interested in cashback? Learn more about the Santander Edge account to see if it’s a good fit for you.
If you want to earn yourself some cashback and are happy to pay a monthly fee, Santander Edge could be competitive option. Before you apply, make sure you meet the eligibility criteria and also check how much cashback you are likely to earn. If it's below £3 a month, you may not be getting the most out of the account.
Visit Santander's website to apply or compare other Santander accounts here. You can also compare other current accounts with cashback offers here.
Pros
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1% cashback on selected bills
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Linked savings account
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Fee-free ATM withdrawals abroad (at Santander cash machines)
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Arranged overdraft
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Dedicated 24-hour customer support
Cons
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Account management fee
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Strict eligibility criteria
Details
Product overview
| Account name | Santander Edge current account |
| Incentive | Earn £200 cash when you switch to a Santander Edge 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 Offer can be withdrawn at any time.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 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 | £3 per month |
| Interest (AER) | 0% AER |
| ATM withdrawal limit | £300 |
| Debit network | Mastercard |
| Card type | Cash / Debit |
| Minimum eligibility age | 18 |
| Minimum operating balance | £0 |
| Minimum opening balance | £0 |
| Direct debits | |
| Current account switch guarantee | |
| Cheque Book |
Overdraft information
| Arranged overdraft available | |
| Arranged overdraft rate | 39.94% |
| Overdraft Grace Period | 20:00 same day |
| 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. |
Santander’s Edge range of current accounts look to reward you a bit more for banking with them. The Edge account is its entry level reward account.
What is the Santander Edge current account?
The Santander Edge current account is an everyday bank account which allows you to earn cashback on selected household bills. In return, you’ll need to pay a £3 monthly fee to maintain the account and you’ll need to meet certain eligibility criteria.
You can open the account individually or jointly and you can access it online, through the mobile app, via telephone banking or in branch.
How does it work?
The Santander Edge account offers the following key features:
- Cashback. Earn 1% cashback on selected household bills when you pay by direct debit (up to £10 a month).
- Linked savings account. Access to the Santander Edge saver account.
- Arranged overdraft. Overdraft option with a rate of 39.94% EAR.
- Fee-free spending and withdrawals abroad. You won’t be charged for using your debit card for purchases or cash withdrawals overseas (after the first 3 days of opening the account).
- Global support. Access to 12,000 Santander branches in 12 countries.
- Call centre support. Access to a 24-hour dedicated call centre for all your banking needs.
Who is it for?
To open the Santander Edge account you’ll need to be at least 18 years old and permanently live in the UK. You can hold a maximum of 2 Santander Edge current accounts, one in your own name and one in joint names.
To qualify for cashback you must also pay in £500 a month and have at least 2 active direct debits.
What are the benefits?
There are several benefits to opening a Santander Edge account. As well as offering cashback on selected household bills, you also have the option to open a linked Santander Edge savings account which has a competitve rate.
What does the Santander app look like?
How to apply
You can apply for a Santander Edge account online in just 10 minutes. Alternatively, you can call the UK customer service centre or go into your nearest branch.
Santander and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Santander is one of these brands and was named our 2025 Premium Bank Account Provider of the Year Award winner!
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