Santander | Everyday Current Account

246 reviews

Monthly fee: Free

AER: 0%

Representative example: Representative Example*: 0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.

Santander | Everyday Current Account customer reviews.

246 reviews

2.0 out of 5 stars

Great Current Account
13:22 05-04-2018
ImageSmart Money People

No fees whatsoever and great if you stay in credit... I did not save enough using the 123 accounts/cards (already paid mortgage off) and this account is perfect for me.

glenn hutton

I would not recommend
14:15 10-02-2018
ImageSmart Money People

They have done nothing to help me out of my overdraft except advise to join there 123 account where I would have to pay to bank everymonth. I was originally with alliance and leicester before they were taken over


Very poor customer service
09:30 08-02-2018
ImageSmart Money People

I left Santander due to the poor customer service I received whenever I needed to phone in.


Overall Good
20:06 29-01-2018
ImageSmart Money People

I have been a customer with Santander for quite a few years. I love their online banking it is so easy to use. I have two current accounts, a saving account and a mortgage with Santander. It is really easy to keep track of everything online. The interest rates aren't great, and if you go in your overdraft you get charged, but that's the case everywhere! It just works all the time, without persistent issues like with other banks


Its ok
17:32 20-01-2018
ImageSmart Money People

It’s ok but not the best I don’t think

Sophie Khawaja

Solid and reliable
23:08 09-01-2018
ImageSmart Money People

Easy to navigate online services and good customer service. Only problem is occasional blocking of card for unknown reasons!


Terrible customer service
23:38 06-01-2018
ImageSmart Money People

Their charges are shocking! I used to bank with RBS and they never charged me for failed Direct Debits, etc. Santander do. They love it! One month a mistake by a company meant they took a quadruple payment off my account using CPA (as a rule of thumb never use CPA always opt for DD) which meant there wasn’t enough in the account to meet five DDs so I got 5 x £15 (£75) unpaid DD fees which then put me into an unarranged overdraft which got me a further £12 fee! When I told Santander they didn’t care and said they won’t refund me the fees because I once had a separate £12 fee refunded a year previous! Avoid, avoid, avoid. There are plenty other high street banks around.

Ryan Murphy

Good app, good customer service
06:36 05-01-2018
ImageSmart Money People

The app, website and telephone customer service lines are all easy to use. Not ideal for more traditional banking however - paper statements take forever to arrive! It’s like Santander delays them for a week before bothering to send them out.

Leonie Meredith

Best Quality of customer service
19:51 11-11-2017
ImageSmart Money People

I have had great support from them they are a great team

Shannon Williams

23:41 09-11-2017
ImageSmart Money People

Amazing bank, been with them for years! brilliant call centres and great staff in the branches

Peter Roberts

Our review of Santander | Everyday Current Account

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.

Written by: Alex


  • 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


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

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.

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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