Santander | Everyday Current Account

Monthly fee: Free
AER: 0%
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Santander | Everyday Current Account customer reviews

2.2 out of 5 from 171 reviews

It's alright.

17:35 28-08-2017

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Does what I need in a bank. Although I am thinking of opening an account with another bank.

Marie Iley

Average bank account, in branch service good.

11:46 27-07-2017

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There nothing to shout about for this bank account. It does what it says on the tin - no special extras but it does the job for us. The in-branch staff are always helpful and a few times we've had fraudulent activity on our cards but this has been sorted very swiftly which is reassuring. The rates aren't particularly great but sometimes it can be more hassle switching. Overall, an OK bank account but not if you want lots of extra benefits.

Jen Allford

Great account

13:13 05-07-2017

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Excellent customer service in branch combined with very efficient online portal makes this company's products hard to beat. Never had an issue with any transfers. Debit card began to de-laminate, replaced on request within 4 working days.

Peter Vogwell

Fee free banking!

18:33 30-05-2017

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Easy online banking, friendly staff in branch and straightforward banking.

Rebecca Millar

Making the poor poorer

19:06 17-05-2017

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I was struggling and missed a £16 direct debit Santander then charged me £25 putting me £20 overdrawn witch then because I have no overdraft was charging me £6 a day when I went in to a branch I was fobbed off to call them from their branch I was told it was my problem for not organising my finances. Great job Santander another customer lost

Jason Skeels

Good to deal with

19:26 11-04-2017

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Good bank to deal with, now has cashback on some retailers which has learnt me a couple of £'s so far. Generally staff easy to deal with and any problems have been sorted quickly.

Jo James

No problems ever!

08:09 12-02-2017

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I've banked with Santander for 12 years and never had any issues with them. I've had several saving accounts and ISAS with them and everything ran like clockwork even when transferring money to other providers. Can't fault them. Superb service.

Tina Higgins

Helpful Staff

13:37 07-02-2017

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The in branch staff are so helpful when I've needed their assistance.

Rob Scott


13:36 30-01-2017

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They are threatening to close my account for an overdraft I never even signed up for. absolute disgrace

Gareth Mear

Great customer service

13:34 23-11-2016

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Having an unstable bank balance being a student, they provide you with so many different options and they are very information over the phone and in store

Jonella Vidal

Our review of Santander | Everyday Current Account

Written by: Alex
Our review by Alex

The Everyday Current Account is the free offering from Santander and doesn’t come with many added extras above and beyond being able to manage your account effectively. The standard benefits apply, such as free text and email alerts, being able to use your Visa debit card for purchases at home and abroad and being issued a contactless card, if eligible. However, where the Santander Everyday Current Account differs is with their free overdraft facility for the first four months. After this time there is a daily charge depending on how overdrawn you are, so be careful not to dip into it too far if you don’t need to, otherwise the charges will add up.

Switching to the Santander Everyday Current Account is a simple process and can be done from your existing Santander account, or from another bank or building society. Their team will change the payment details of your Direct Debits, standing orders and salary. This process can take up to seven working days. You’ll be kept up to date on the status of the switch via letter, text and email and they will even close your previous account for you and apply a redirect on any other payments to and from your old account for 36 months.

Although there aren’t any online reviews for the Everyday Current Account, Santander have quite a negative perception online. TrustPilot users have given them a rating of ‘bad’ which can be attributed to less than perfect customer service, policies that aren’t customer-friendly and security procedures that get in the way of good service.

Overall verdict: For a free account the Santander Everyday Current Account is fairly standard. There are little extras such as the four month free overdraft facility, but if you’re looking to earn interest, cashback or benefit from insurance then you may need to look to some of Santander’s more premium accounts.


  • 24/7 access to account via phone, online or mobile banking
  • Free text and email alerts
  • Switch in just 7 days
  • Overdraft available

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident

About Santander | Everyday Current Account

The Santander Everyday Current Account has no monthly fee but comes with the essential tools needed to be able to manage your money. Customers have 24/7 access to their account using either online, mobile or telephone banking and can set up free email and text alerts to stay updated. Customers are able to use their mobile to set up Apple or Android Pay by linking their Santander Everyday Current Account debit card. This allow you to use your phone to pay with contactless in shops and restaurants.

When applying for the Santander Everyday Current Account customers can request the overdraft facility. Santander will look at the information given during the application process and determine if and how much the overdraft limit will be. If you use the dedicated Switcher Service to set up your Santander Everyday Current Account then you’ll receive a free arranged overdraft for four months. After this time the fee can range from £1 to £3 per day, depending on the size of the overdraft. There is also a fee of £6 per day should you go over your limit.