*Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
Santander offers a range of current accounts from basic no-frills bank accounts to rewards accounts that come with a monthly fee. These include:
A simple and straightforward account with no monthly fee, and no fees for using Santander cash machines when you travel. Enjoy the flexibility of an optional overdraft and no minimum monthly funding requirements, making everyday banking hassle-free
Earn cashback on selected household bills, supermarket spending, and travel costs. Benefit from an exclusive savings account with competitive rates. Simply fund your account with £500 each month and set up two active direct debits. No foreign transaction fees on debit card use. £3 monthly fee applies
Enjoy cashback on household bills, supermarket purchases, and travel, plus interest on balances up to £25,000. To qualify, deposit £1,500 monthly and set up two direct debits. Use your debit card abroad without extra charges. £5 monthly fee applies
Designed for students, this account comes with a free 16-25 Railcard for four if years and a £1,500 interest-free overdraft for the first three years, increasing thereafter (subject to approval). To keep it active, deposit at least £500 every four months
Helping young people learn money management, this account rewards savers with interest on balances at certain thresholds. Choose between a contactless debit card or a cash card, making it easy to manage spending and savings
If you have a poor credit history, are new to the UK, or have been declined for other accounts, this no-frills account could be a solution. It provides essential banking services without overdraft facilities
Give up to two carers access to a separate debit card account for everyday spending on your behalf. Whether for shopping or cash withdrawals, this account ensures controlled access to funds while keeping your other accounts secure
The right Santander current account depends on how you use your money and whether you want a simple account, cashback, student benefits or support with everyday banking.
The Everyday Current Account may suit you if you want a straightforward current account with no monthly fee, no minimum monthly funding requirement and the option to apply for an arranged overdraft.
The Santander Edge Current Account could be worth considering if you want cashback on selected household bills and access to the Santander Edge Saver. It has a £3 monthly fee, and you’ll need to pay in at least £500 a month and have two active Direct Debits.
The Santander Edge Up Current Account may suit you if you want higher cashback limits, interest on your current account balance and fee-free debit card use abroad from Santander. It has a £5 monthly fee, and you’ll need to pay in at least £1,500 a month and have two active Direct Debits.
The Santander Edge Student Current Account is designed for eligible students and includes a free four-year 16-25 Railcard and an interest-free overdraft of £1,500 for the first three years of study. You’ll need to pay in at least £500 every four months to keep the account active.
The 1|2|3 Mini Current Account may suit children and teenagers who are learning to manage money, while the Basic Current Account could be suitable if you do not qualify for Santander’s other current accounts.
The Carer’s Card Account is designed for people who want to give up to two carers controlled access to a separate debit card account for everyday spending.
Before choosing a Santander account with a monthly fee, it’s worth checking whether the cashback, interest or other benefits are likely to outweigh the cost.
With a Santander current account, you can enjoy a range of rewards to make your money work harder:
The Santander Edge Up account gives you the chance to earn 1% cashback (up to £15 a month) on selected household bills when you pay by direct debit, plus 1% cashback (up to £15 a month) on spending at supermarkets and travel costs when using your debit card.
The Edge Up account also offers 3% interest on balances up to £25,000. You can also enjoy fee-free debit card use abroad and access to Santander Boosts, which offers extra perks.
A free rewards service offering cashback, vouchers, prize draws, and personalised deals.
Available to Santander current account customers, it provides exclusive discounts and money-saving opportunities tailored to your spending habits.
Simply activate offers through online or mobile banking and start earning rewards when you shop with participating retailers.
A Santander current account may appeal if you want:
Eligibility depends on the Santander current account you apply for.
For the Everyday Current Account, you’ll need to be aged 18 or over and live in the UK permanently. You’ll also need proof of ID and proof of address.
For the Santander Edge Current Account, you’ll need to be over 18, live in the UK permanently, pay a £3 monthly fee, pay in at least £500 each month and have two active Direct Debits.
For the Santander Edge Up Current Account, you’ll need to pay a £5 monthly fee, pay in at least £1,500 each month and have two active Direct Debits. Santander also asks for proof of ID and proof of address.
For the Santander Edge Student Current Account, you’ll need to meet Santander’s student eligibility criteria and pay in at least £500 every four months.
The 1|2|3 Mini Current Account is for children and young people aged 0 to 17, while the Basic Current Account is available from age 16 and is usually for people who do not have a UK bank account or cannot get one of Santander’s other current accounts.
Some features, such as arranged overdrafts, are subject to status, approval and credit checks.
Reviewed on 30 Jun 2026
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
