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Santander | 123 Student Current Account

1101 reviews

Monthly fee: Free

AER: 1%

Representative example: Representative Example*: 0% EAR (variable) Arranged Overdraft. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.

Santander | 123 Student Current Account customer reviews.

1101 reviews

1.5 out of 5 stars


  • Earn cashback at selected retailers
  • Monthly interest of 1% AER/gross (variable) on balances up to £2,000
  • Access to 1|2|3 offers
  • Manage the account with online and mobile banking
  • Free 4-year 16-25 railcard
  • A fee-free and interest-free arranged overdraft of £1,500 in years 1-3, £1,800 in year 4 and £2,000 if you stay on to year 5

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must be a current student or about to start a course


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Santander | 123 Student Current Account

The Santander 1|2|3 Student Current Account offers a number of features tailored to those in higher education. A free 4-year 16-25 railcard, interest and fee-free overdraft and interest on yor balance are the key features here. Account holders can also access cashback offers at selected retailers. 

Company information

Registration number: 02294747



2 Triton Square, Regent's Place, London NW1 3AN

FCA registration

Reference No: 106054

Trading names: Santander, Cahoot, Santander Corporate and Commercial Bank (SCCB), Santander Global Corporate Banking

Place of business: 2 Triton Square, Regent's Place, London NW1 3AN

Data protection registration

Registration No: Z8737433

Data controller: Santander UK PLC

Address: 2 Triton Square, Regent's Place, London NW1 3AN

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