Current accounts A range of bank accounts designed to meet your needs
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