Account nameEveryday Current Account
Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
Account fee£0
ATM withdrawal limit£300
Debit networkVisa
Card typeCash / Debit
Minimum eligibility age18 Years
Minimum operating balance£0.01
Minimum opening balance£0.01
Direct debits
Current account switch guarantee
Cheque Book

Santander UK is a large retail and commercial bank and a wholly-owned subsidiary of global bank Bank Santander. The bank offers a wide range of financial products, including mortgages, savings accounts and current accounts and has 14 million active customers.

What is the Santander Everyday current account?

The Santander Everyday current account is a straightforward bank account with no monthly fee and no minimum monthly funding requirement.

The account can be opened on a single or joint basis. Customers can manage the account 24/7 via online and mobile banking and benefit from personalised spend insights. They can also manage their account in branch or over the phone.

How does it work?

The Santander Everyday current account offers the following key features:

  • Arranged overdraft. If you’re switching from another bank to Santander, no interest is charged on overdrafts for the first 4 months. After that (and for anyone else), interest is charged at a rate of 39.94% EAR representative.
  • Santander Boosts. Get cashback, vouchers, prize draws and other offers personalised to you.
  • 123 World Offers. Gives you access to preferential deals.

Who is the Santander Everyday current account for?

The Santander Everyday current account could be a suitable option for anyone looking for an easy-to-manage bank account with no monthly fee. To qualify, you must be aged 18 or over and live in the UK permanently.

What are the benefits?

The main benefit of the Santander Everyday account is that there’s no monthly fee and no minimum monthly funding requirement. What’s more, new customers benefit from an interest-free overdraft for the first 4 months, which could help you start to clear an existing overdraft from a previous account.

You will also have access to Santander Boosts, a rewards programme which offers cashback, vouchers, offers and prize draws. You can sign up for Santander Boosts online or on the app.

How to apply

The easiest way to apply for the Santander Everyday current account is online – you can complete your application in as little as 10 minutes. If you prefer, you can make an appointment at your local Santander branch to open the account face-to-face.

As part of your application, you’ll need to provide a few details about yourself, your contact information and your employment details.

Pros and cons of the Santander Everyday current account


  • Easy to apply
  • No monthly fee or minimum funding requirement
  • 4-month interest-free overdraft for new customers
  • Cashback and rewards with Santander Boosts.


  • Interest charged on overdrafts after first 4 months
  • Limited perks on account

Our verdict

If you’re looking for an everyday bank account with no monthly fees or minimum funding requirements, the Santander Everyday current account is certainly worth a look. As well as being easy to open, it also offers an interest-free overdraft for 4 months if you’re switching from another provider and access to Santander Boosts.

However, if you’re looking for a bank account that offers more in the way of cashback or other rewards, you might prefer the popular Santander 123 current account or the Santander 123 Lite current account. These both offer cashback on household bills, but they also charge a monthly fee. You can compare all of Santander’s current accounts here.

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