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Santander Everyday Current Account

How it works

To find the best current bank account, simply follow the four quick steps below. Once you've found what works for you, apply for a current account by clicking on the provided link or directly with the provider.

Decide if it's right for you

First, take a look at the features and decide what is most important to your needs. Remember to check the providers' terms and conditions before you apply for a current account.

Compare current accounts

Once you've decided on the essential features, use our current account comparison table to switch or toggle between different bank accounts. For example, to check arranged overdraft fees, click the arrows next to "Arranged overdraft fees" at the top of the table to see the highest and lowest fees.

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Once you have a bank account in mind, click on the button or link to go to the provider's site to find out more or apply for a current account.

Apply

Be sure to check and understand the terms, costs, and fees and check what is included and excluded. And finally, check that you meet the eligibility requirements.

What is a current account?

A current account is basically an everyday bank account. These accounts allow you to have your wages and other income paid in, and set up direct debits as well as standing orders to pay bills. They usually come with a debit card to enable you to draw out cash and make payments in shops and online. Some current accounts also offer an overdraft facility, depending on your eligibility.

What is the difference between a current account and basic current account?
A current account offers lending facilities in the form of an overdraft; a basic bank account offers no lending facilities. Basic bank accounts are normally designed for people with poor credit rating, no credit history, who have had County Court Judgements or been made bankrupt.

I have bad credit. Will a bank accept my application for a current account?
This depends on the bank's policies and how bad your credit rating is. Before you apply for a current account, it is always a good idea to check the terms and conditions, like minimum income requirements and application criteria. Most banks are happy to chat through eligibility requirements with you before you apply. If you have CCJs, defaults, or have been declared bankrupt in the past year, it is unlikely that you will be accepted for a current account. However, you may be eligible for a basic bank account.

How do I choose the best current account for me?
It can help to compare bank account options on a comparison website, like MustCompare to enable you to filter available bank accounts and find one that suits your circumstances and needs. Before opening an account, consider any fees charged for having the account, charges for overdrafts, interest rates. Some current accounts offer rewards, discounts and other packaged extras that could be an attractive benefit to you.

How do I open a current account? -

You can open a bank account online or in a branch. You will need to prove your identity, residential address, fill out forms and answer some questions. The bank will likely conduct a credit check on you before offering lending facilities such as overdrafts.

Should I apply for a joint account? +

Many who live together choose to open a joint bank account to pay shared bills and manage household expenses. As a joint account gives both account holders access to the money, you’ll need to trust the other account holder to make good financial decisions. Both account holders are credit checked, and a joint account will mean that your financial profiles become linked; this is not a decision to be taken lightly.

Should I get a savings account instead of a current account? +

Savings accounts are suitable for saving money and earning interest, while current accounts are for everyday transactions such as household bills, purchases and cash withdrawals. It depends on your circumstances and requirements to determine which is better for you. Before you apply for a current account, it is a good idea to understand the benefits and features of different accounts to make a choice suited to your needs.

What is the Current Account Switch Service (CASS)? +

The Current Account Switch Service is a free service that lets you switch current accounts in the UK. Your new bank will handle the closing of your old account, moving any balances, and changing direct debits and other payments.

Current Accounts FAQs