How to make a new current account

What type of account would you like?

Everyday Current Account

Simple and straightforward banking with no monthly fee

• A current account with everything you would expect including overdraft (subject to status) and contactless Santander debit card
• No interest is paid on your balance
• No monthly fee to maintain the account

1|2|3 Current Account

Earn cashback on your household bills and interest on your balance for a £4 monthly fee to maintain the account.

• Monthly interest of 1.50% AER/1.49% gross (variable) on balances up to £20,000

• Up to 3% cashback on selected household bills, capped at £5 in each cashback tier each month

• Pay in at least £500 into your account each month and have at least 2 active Direct Debits

1|2|3 Lite Current Account

Cashback on your household bills for a £2 monthly fee to maintain the account when you use Online or Mobile Banking

• Up to 3% cashback on selected household bills, capped at £5 in each cashback tier each month
• No interest is paid on your balance
• Pay in at least £500 into your account each month and have at least 2 active Direct Debits. Log on to Online or Mobile Banking at least once every 3 months

Select Current Account

All the features of the 1|2|3 Current Account and receive a more personal banking service

• Pay in at least £5,000 per month into the Select Current Account OR keep £75,000 in any Santander investment(s), savings or current accounts
• Monthly interest of 1.50% AER/1.49% gross (variable) on balances up to £20,000
• £4 monthly fee to maintain the account

1|2|3 Student Current Account

Making student life a little easier

• Free railcard and an interest-free and fee-free arranged overdraft
• Pay in at least £500 per academic term
• No monthly fee to maintain the account
• No interest is paid on your balance

1|2|3 Mini Current Account

Promoting money management for children and evolving with them into their teenage years

• Monthly interest of 3% AER/ 2.96% gross (variable) on the entire balance once the balance is £1,500 up to a maximum of £2,000

• Choice of cash card or Santander debit card
• No monthly fee to maintain the account

Basic Current Account

If you’ve been turned down for one of our other current accounts, have a poor credit history, or are new to the UK for work or study purposes this account might be suitable for you.

• This account comes with a non-contactless debit card, which has restrictions on some transactions such as subscription services and pay at the pump petrol stations
• No overdraft facility 
• No monthly fee to maintain the account 

• If you are a Ukrainian refugee looking to apply for a current account see our Ukraine page

These accounts also come with

£300 ATM withdrawal per day

Online and Mobile Banking with text and email alerts

Access to the Santander branch network

Switch quickly and easily

We offer a simple, reliable and stress-free way to switch your current account to a new or existing Santander account

Switching to Santander