Santander Current Accounts

If you're trying to find a current account which suits your personal circumstances you can compare a range of accounts from Santander in the table below. You can compare interest rates, account fees and other important features or click on the links to apply online.

Compare business accounts by Santander

  • Maximum Interest (AER)
    0.10%
  • Free Banking Duration
    None
  • Account Fee
    from £7.50+
  • Overdraft Facility
  • Product Features
    • If you have a small to medium sized business with up to two directors, owners (shareholders) or partners, you could be eligible for our Business Current Account.

      There are 4 tariffs based on your monthly cash deposits:
      £7.50 a month for a cash deposit limit of up to £1,000 a month, then 50p per £100
      £12.50 a month for a cash deposit limit of up to £3,000 a month, then 50p per £100
      £20.00 a month for a cash deposit limit of up to £5,000 a month, then 50p per £100
      £40.00 a month for a cash deposit limit of up to £10,000 a month, then 50p per £100
      All tariffs include day-to-day banking such as depositing and issuing cheques, Direct Debits and standing orders, bill payments and debit card payments.

        Use our calculator to see how much you could save when you switch to Santander.

      The tariff does not include non-standard transactions such as change-giving, CHAPS payments and foreign currency transactions.

      Plus benefit from Online and Mobile Banking, free text message and email alerts on your account and online business support and sector guides.
  • Maximum Interest (AER)
    0.10%
  • Free Banking Duration
    Free for 12 or 18 months
  • Account Fee
    £7.50 per month thereafter
  • Overdraft Facility
  • Product Features
    • 12 months free day-to-day business banking, or 18 months free if you are, or become, a 1|2|3 World or Santander Select customer (see provider site for eligibility). After this free business banking period, you'll move to our £7.50 per month tariff.

      This account is for small-to-medium sized businesses with up to two directors, owners (shareholders) or partners, trading less than 12 months and opening its first Santander Business Current Account.

      The tariff does not include non-standard transactions such as change-giving, CHAPS payments and foreign currency transactions.

      Plus benefit from Online and Mobile Banking, free text message and email alerts on your account and online business support and sector guides.

Compare Santander Current Accounts

    • 1% cashback on water, council tax and Santander mortgage payments
    • 2% cashback on gas and electricity bills
    • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • Maximum Interest (AER)
    1.5%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    £5
  • More info + In detail
  • Interest details
    • 1.50% AER/1.49% gross (variable) interest on your entire balance up to £20,000
    Overdraft details
    • No arranged overdraft usage fee for the first 4 months (conditions apply)
    • A Daily Arranged Overdraft Fee of £1 per day thereafter capped at 20 days each monthly statement period applies.
    • An Unarranged Overdraft Usage Fee of £6 per day
  • Representative Example: 0% EAR (variable) Arranged Overdraft. A Daily Arranged Overdraft Fee of £1 per day capped at 20 days each monthly statement period applies. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.

Other current accounts

    • 3% AER on balances up to £1,500
    • To earn 3% AER you must credit your account with £500 each month, register for internet banking, paperless statements and paperless correspondence
  • Maximum Interest (AER)
    3%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    Free
  • More info + In detail
  • Interest details
    • 3% AER / 2.96% gross variable interest paid on balances up to £1,500 only. Must pay in £500 a month, register for internet banking and paperless statements and paperless correspondence.
    • Plus 5% Cashback on your first £100 Contactless payments every month. Contactless Subject to eligibility. End Sept 2017. (T&Cs apply). Borrower must be 18+ and a UK resident.
    • Plus, if you also use an eligible TSB credit card, you can earn up to £60 cashback in a year on that too. Representative 18.9% APR (variable). Subject to status. Must be 18+ & UK Resident. End Sept 2017.
    Overdraft details
    • £10 interest-free overdraft buffer
    • If you go overdrawn by more than £10, TSB's Grace Period means that you have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day
    • 0% interest on planned overdraft up to £25
    • 19.94% AER variable and a Monthly Overdraft Usage Fee of £6 apply to amounts of £25 to £1,200
  • Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 0% EAR variable on the first £25 and 19.94% EAR variable on the next £1,175 plus a Monthly Overdraft Usage Fee of £6.
    • Aged 16 or older (18 and older to apply online)
    • Must open both a B Current account and B Instant Savings account
    • Must register for automated telephone and internet banking services to run the account
  • Maximum Interest (AER)
    0.25%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info + In detail
  • Interest details
    • With a B Current account you'll enjoy 0.25% AER (0.25% gross p.a. variable) on your credit balances up to £2,000.
      *Credit interest is worked out daily on the cleared credit balance and credited to accounts on the last working day of each month.

      Current rates until 30th November 2016. From 01 December 2016 the rate will be 0.25% AER (0.25% gross p.a. variable).
    Overdraft details
    • £25 planned borrowing buffer, £10 unplanned borrowing buffer
    • 12.5% EAR
  • Representative Example: If you use an overdraft limit of £1,200 a 12.50% EAR (variable) will apply
    • Earn rewards of up to £180 a year (conditions apply)
    • Contactless debit card
    • Award-winning online and mobile banking
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • More info + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    • Rewards details:
    • The full £7 Loyalty Reward received monthly for being part of Barclays Blue Rewards is subject to UK income tax and may need to be declared to H M Revenue & Customs.
    • All other current Blue Rewards and any SmartSpend cashback are not subject to UK income tax.
    Overdraft details
    • Arranged overdraft fees:
    • 75p a day up to £1,000
    • £1.50 a day from £1,000 to £2,000
    • £3 a day from £2,000 and above
    • Unarranged overdraft fees:
    • £5 per day
  • Representative Example: Up to £5,000 (subject to application and status). If you use an overdraft of £1,200, you will be charged £1.50 per day when you use it.