Santander Current Accounts

Santander Current Accounts logo
  • Compare a range of current accounts from Santander in the table below.
  • Compare interest rates, account fees and other important features or click on the links to apply online.
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Compare Santander Current Accounts

  • Santander  logo

    Santander 1|2|3 Current Account

    • Monthly Fee
      £4
    • Interest Rate
      0.30%
    • Arranged Overdraft Rate
      39.94%
    • Minimum Monthly Credit
      £500
  • Santander  logo

    Santander 1|2|3 Lite Current Account

    • Monthly Fee
      £2
    • Interest Rate
      0%
    • Arranged Overdraft Rate
      39.94%
    • Minimum Monthly Credit
      £500

Compare similar products from other providers

  • Starling Bank logo

    Starling Bank Personal Current Account

    • Monthly Fee
      Free
    • Interest Rate
      0.05%
    • Arranged Overdraft Rate
      15.0%
    • Minimum Monthly Credit
      None
  • first direct logo

    First Direct 1st Account

    • Monthly Fee
      Free
    • Interest Rate
      0%
    • Arranged Overdraft Rate
      0%
    • Minimum Monthly Credit
      None
  • Barclays logo

    Barclays Bank Account

    • Monthly Fee
      Free
    • Interest Rate
      0%
    • Arranged Overdraft Rate
      35.0%
    • Minimum Monthly Credit
      None

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Last updated on 09 November 2020.

Santander Current Accounts FAQ

Who is Santander?

Santander is a British bank owned by the Spanish-based Santander Group. It operates online and through high street branches, offering savings and mortgages, alongside current accounts and loans.

What types of Santander current accounts are available?

Santander has two main types of current account for those who are over 18 and living in the UK.

  • Santander Everyday Current Account: The Santander Everyday Account allows account holders to access most standard banking services such as the ability to receive money and pay bills. There is no monthly fee for maintaining the account, but you will also not earn interest on your account balances.
  • Santander 1l2l3 Current Account: This current account offers users access to banking services, online banking, telephone baking and in-branch services. This account charges a monthly fee to maintain the account and offers several extras, such as cashback offers. However, the benefits can change so you need to check exactly what is being offered before applying. Santander also requires that account holders pay in a minimum amount each month as well as other minimum requirements.
  • Santander 1l2l3 Lite Current Account: This account carries a smaller monthly maintenance fee but requires the account holder to do all banking online and paper-free. The account offers similar cashback offers to the standard 1l2l3 account and has similar minimum requirements.

Can I get an overdraft with a Santander current account?

Yes, you may apply for an overdraft with your Santander current account but whether you receive an offer or not will depend on whether you fulfil the eligibility criteria. Santander will look at your credit history and your current financial situation, as well as your employment status, for example.

Overdrafts are often either charged in terms of interest on the amount you borrow or as a set usage fee. Santander current account overdrafts are charged as a set fee every day you are overdrawn.

Can I bank online with my Santander current account?

Yes. Santander current account customers have access to online banking and a mobile banking app that they can download.

If I have bad credit, can I still get a Santander current account?

People with poor credit records may struggle to be accepted for a regular current account with Santander. They may instead be offered a Basic Account, which will give them access to most banking services, including a debit card, online banking, direct debits, standing orders, transfers and paying-in. However, account holders will not be given access to overdrafts.

Can I switch to a Santander current account from another bank?

Yes. Santander is part of the Current Account Switch Guarantee scheme, which means that it has a team of staff ready to help switch your account in less than seven working days.

Services offered by this provider may change over time. Always check Ts&Cs.