Santander | Everyday Current Account

1582 reviews

Monthly fee: Free

AER: 0%

Representative example: Arranged overdraft interest rate of 39.94% APR / EAR (variable). 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.

1582 reviews

1.5 out of 5 stars

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, however the offer of £130 cashback when switching to the account. 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.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • 24/7 access to account via phone, online or mobile banking
  • Free text and email alerts
  • Switch in just 7 days
  • Overdraft available
  • No minimum monthly funding or monthly fee to maintain the account

Minimum criteria

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


  • Overdraft Rate: 0%
  • Credit Rate: 0%
  • APR: 0%
  • Monthly Fee: £0
  • Interest Rate: 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.

The Current Account for your every day banking needs. - It's easy to manage online or on the app. 

No minimum monthly funding or monthly fee to maintain the account.

Arranged Overdraft facility (subject to status) - If you use an arranged overdraft you’ll be charged an interest rate of 39.94% APR / EAR (variable)

Stress-free account switching in 7 days with the Current Account Switch Service - Earn cashback of up to 15% at a range of major retailers when you use Retailer Offers with your Santander debit card

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

Apply Now