Santander

Compare Santander Current Accounts

Santander know that one size doesn't fit all when it comes to banking - that's why they have a range of bank accounts with something to suit everyone. If you're looking to earn a great rate of credit interest, an overdraft facility or an account with extra benefits – Santander have got the account for you. Plus, switching your current account to Santander couldn't be easier.

Santander current accounts - Ordered by interest rate (AER)

 

Santander

1|2|3 Mini Current Account

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

Customer service rating

Great (51%) Ok (38%) Poor (11%)

Customer service ratings provided by users of

  • Mobile App
  • Online Banking
  • Text Alerts
  • Online Fraud
Great for:
  • This account can help 11-18 year olds learn to manage money and become financially responsible
  • Earn 3% AER (variable) on your balance from £300 to £2,000
But be aware that:
  • You must be between 11 and 18 years old to open this account
  • This account can't be opened or managed by someone else (in Trust)
2016 SUPERS

Winner of the Best 'Loyalty’ Current Account Provider

Santander

123 Current Account

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

Customer service rating

Great (65%) Ok (29%) Poor (6%)

Customer service ratings provided by users of

  • Mobile App
  • Switching Service
  • Overdraft Facility
  • Cashback
Great for:
  • Earn interest of 1.5% AER (variable) on your balance up to £20,000
  • Earn cashback on selected household bills, as long as you pay by direct debit
But be aware that:
  • You'll have to pay a £5 monthly fee
  • You must pay in at least £500 every month
  • You must have at least two active direct debits from this account
2016 SUPERS

Winner of the Best 'Loyalty’ Current Account Provider

Santander

123 Lite Current Account

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

Customer service rating

Great (51%) Ok (38%) Poor (11%)

Customer service ratings provided by users of

  • Mobile App
  • Online Banking
  • Overdraft Facility
  • Direct Debits
Great for:
  • Earn cashback on selected household bills, as long as you pay by direct debit
But be aware that:
  • You'll have to pay a £1 monthly fee
  • You must pay in at least £500 every month
  • You must have at least two active direct debits from this account and log on to online or mobile banking at least once every three months
Limited offer

In addition to the standard cashback, earn 5% cashback on 1|2|3 Lite debit card purchases made using Apple Pay, Android Pay and Samsung Pay. T&Cs apply. Limited offer, ends 30th September 2017

Santander

Everyday Current Account

Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

Customer service rating

Great (51%) Ok (38%) Poor (11%)

Customer service ratings provided by users of

  • Overdraft Facility
  • Online Banking
  • Mobile App
  • Standing Orders
Great for:
  • No need to pay in a minimum amount every month
  • Earn up to 15% cashback when you use your Santander Visa debit card at selected retailers
But be aware that:
  • You must be at least 18 years old to open this account
  • To earn the cashback, you must use online or mobile banking
2016 SUPERS

Winner of the Best 'Loyalty’ Current Account Provider

 

See more current accounts

Current accounts. Trust us to explain them simply

Santander Current Accounts Guide

Santander offers a wide range of bank accounts, from children’s accounts, through student accounts, to basic bank accounts.

The 1|2|3 Current Account enables you to earn money as you spend through a number of cashback incentives and earn interest on money that you have in the account at the end of each month.

The account also comes with everything you would expect from a leading current account, such as a Visa debit card and an arranged overdraft as well as 24-hour online, telephone and mobile banking services.

Santander also has an Everyday Current Account which is essentially the 123 account minus the cashback and interest incentives as well as a basic bank account that offers free basic banking services such as a cash card, direct debit and standing order facilities and direct payments in for wages, pensions or benefits.

What are the advantages of using a Santander current account?

One of the main advantages of opening a Santander current account is that the bank tailors its accounts to suit the needs of specific customers and so you will be able to find an account to suit your requirements whether you are a student or a seasoned saver.

Santander also offers a dedicated switching service that can have your new account up and running, including the transfer of any direct debits or standing orders, within 7 working days so changing your current account needn’t be a headache.

If you are eligible for a 123 account then the major advantage of banking with Santander is the cashback rewards and interest you can earn on the account.

The 1|2|3 Current Account offers 1% cashback on water and council tax bills, 2% on gas and electricity bills and 3% on communications bills such as mobile phones, landline, broadband and subscription television services.

Account holders can also earn 1.5% interest on balances up to £20,000.

Why use MoneySuperMarket to compare Santander current accounts?

When opening a current account it’s important to find the product that’s right for you are there are different accounts designed for different types of people.

The type of account you can open is dependent upon a number of factors, from age to employment status and credit score, so it important that you shop around to find the account that suits you.

And the MoneySuperMarket comparison tool offers a great way to do this as it allows you to instantly compare a range of accounts from Santander or a number of other providers.