{"id":329017,"date":"2020-08-24T18:55:53","date_gmt":"2020-08-24T17:55:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=329017"},"modified":"2026-02-19T06:49:31","modified_gmt":"2026-02-19T06:49:31","slug":"santander-student-current-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/student-bank-accounts\/santander-student-current-accounts","title":{"rendered":"Santander Edge Student account review"},"content":{"rendered":"<p>Find out more about Santander\u2019s student bank account option in our review, including how to apply for an account, what features and benefits it comes with, and what interest-free overdraft is available.<\/p><h3>Rates, fees and limits<\/h3><p>Santander has one current account available for students \u2013 the <strong>Santander Edge Student Current Account<\/strong>.<\/p><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"studentinfobox\" class=\"UKFSA-CUR studentinfobox \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Product Name<\/th><td class=\"i_infobox_data product_infobox_data\">Santander Edge Student Current Account<\/td><\/tr><tr><th>Card type<\/th><td class=\"i_infobox_data product_infobox_data\">Cash \/ Debit<\/td><\/tr><tr><th>Debit network<\/th><td class=\"i_infobox_data product_infobox_data\">Mastercard<\/td><\/tr><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><tr><th>Funding requirement<\/th><td class=\"i_infobox_data product_infobox_data\">Min. \u00a3500 every 4 months <span class=\"table-popover\" rel=\"popover\" data-content=\"Some accounts require the account holder to pay in at least a specified minimum amount each month, academic term or year.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/td><\/tr><tr><th>Daily cash machine limit<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3300<\/td><\/tr><tr><th>At end of term<\/th><td class=\"i_infobox_data product_infobox_data\">Account transferred automatically to graduate account<\/td><\/tr><tr><th>Maximum overdraft in year 1<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31,500<\/td><\/tr><tr><th>Maximum overdraft in year 2<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31,500<\/td><\/tr><tr><th>Maximum overdraft in year 3<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31,500<\/td><\/tr><tr><th>Maximum overdraft in year 4<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a31,800<\/td><\/tr><tr><th>Maximum overdraft in year 5<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a32,000<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">2.95% <span class=\"table-popover\" rel=\"popover\" data-content=\"A currency fee of 2.95% applies to debit card transactions in a foreign currency outside the UK. \" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><tr><th>Overseas cash withdrawals<\/th><td class=\"i_infobox_data product_infobox_data\">2.95% <span class=\"table-popover\" rel=\"popover\" data-content=\"A currency fee of 2.95% applies to ATM cash withdrawals in a foreign currency outside the UK. There is no charge for withdrawals from Santander cash machines in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay, and the USA using a debit card. \" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>What is Santander\u2019s student bank offer?<\/h3><p>This year, Santander is offering a free 4-year 16-25 Railcard, worth \u00a3115, when you open an account. This will save you a third on rail travel in Great Britain. <\/p><h3>Eligibility<\/h3><p>To be eligible for a Santander Edge Student Current Account, you\u2019ll need to be studying for an undergraduate course (for at least 2 years) or an apprenticeship (level 4 to 7).<\/p><p>You\u2019ll also need to:<\/p><ul class=\"list-1\"><li>be aged 18 or over;<\/li><li>be permanently living in the UK;<\/li><li>close or switch from any existing Santander bank account.<\/li><li>Pay in at least \u00a3500 into your account every 4 months.<\/li><\/ul><h3>How to open an account<\/h3><p>You can apply for an account once you\u2019ve received an unconditional or a \u201cconfirmed conditional\u201d offer.<\/p><p>You can open an account online or in-branch.<\/p><p>When registering an account, you\u2019ll need to provide a few personal details, financial details and proof of your course, including your UCAS number.<\/p><h3>Benefits<\/h3><ul class=\"list-10\"><li><strong>Interest-free overdraft.<\/strong> With this account, you\u2019ll get an interest-free overdraft of \u00a31,500 for the first 3 years of your studies. You can increase this to \u00a31,800 in year 4 and \u00a32,000 in year 5, if your course lasts that long.<\/li><li><strong>Santander Boosts. <\/strong> Get cashback, vouchers, prize draws and other offers personalised to you.<\/li><li><strong>Travel benefits.<\/strong> There\u2019s no fees for using Santander cash machines when you travel. <\/li><\/ul><h3>What does the Santander app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander-1.png\" alt=\"Santander app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander-1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander1.png\" alt=\"Santander app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander2.png\" alt=\"Santander app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Santander2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><\/div> <h3>Customer service information for Santander<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                        \n            <h3 id=\"awardspanel\">Santander and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Santander was named our 2025 Premium Bank Account Provider of the Year Award winner!<\/p>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3 class=\"no-margin-top\">Frequently asked questions<\/h3><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Santander&#8217;s Edge Student Current Account comes with a range of benefits to help you with your studies \u2013 including an interest-free overdraft.<\/p>\n","protected":false},"author":645,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Santander student account review","_yoast_wpseo_title":"Santander Student Account review | Free railcard offer","_yoast_wpseo_metadesc":"Santander's Edge Student Current Account comes with a range of benefits to help you with your studies \u2013 including an interest-free 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16:47:08\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide with Santander&#39; app images. \"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[107075],"tags":[],"asset_tag":[],"class_list":["post-329017","post","type-post","status-publish","format-standard","hentry","category-student-bank-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Santander Student Account review | Free railcard offer<\/title>\n<meta name=\"description\" content=\"Santander&#039;s Edge Student Current Account comes with a range of benefits to help you with your studies \u2013 including an interest-free overdraft.\" \/>\n<meta name=\"robots\" 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