Santander

Santander is a Spanish banking giant so it's no surprise that they managed to go from UK unknown to one of our biggest high street banking brands in a matter of years. By taking over former Abbey National, Alliance & Leicester and Bradford & Bingley branches and customers, Santander have landed themselves with a wide range of products and a customer base of over 15 million.

As Santander seek to establish themselves in the UK market, they've become increasingly likely to offer strong rewards offers for customers willing to move to the bank and as customer service, once a real weak point, slowly improves, those rewards are looking increasingly attractive.

Santander Credit Cards

Santander All in One

  • 0% on balance transfers for 39 months from date of account opening with no balance transfer fee (3% thereafter, £5 minimum)
  • 0% on purchases for 6 months from date of account opening
  • 0.5% cashback on all purchases with no limits or caps
  • No foreign transaction fee on purchases or cash withdrawals in the local currency when you’re abroad
  • 6 month fee refund if you have a 123 or Select Current account
Representative Example: 15.9% p.a. variable on purchases. This is equivalent to 21.7% APR Representative (variable) based on a credit limit of £1,200 and including a £36 annual fee.

Santander Everyday

  • 0% on balance transfers for the first 30 months (2.75% fee applies, £5 minimum)
  • 0% on purchases for the first 30 months
  • No monthly fee
Representative Example: 18.9% p.a. variable on purchases. This is equivalent to 18.9% APR Representative (variable) based on a credit limit of £1,200.

Santander Zero

  • No foreign transaction fees on purchases when made in the local currency
  • No cash withdrawal fee anywhere in the world
  • No monthly fee
Representative Example: 18.9% p.a. variable on purchases. This is equivalent to 18.9% APR Representative (variable) based on a credit limit of £1,200.

Santander Personal Loans

Santander Current Accounts

Santander 123 Current Account

  • 1% cashback on water, council tax and Santander mortgage payments (£1,000 max mortgage payment)
  • 2% cashback on gas and electricity bills
  • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • £500 minimum monthly deposit required
  • £5 monthly account fee
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 123 Lite Current Account

  • £1 monthly account fee
  • Monthly cashback on selected household bills
  • No overdraft useage fee for the first 4 months
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 credit limit may differ. Daily Usage Fee depends on the amount of overdraft you are using.

Santander Basic Current Account

  • Simple banking with no account or overdraft fees
  • A top-up debit card to separate your spending money from the money you set aside for bills, and help you control spending
  • 24/7 access to your account using Online, Mobile and Telephone Banking
Representative Example: An overdraft is not available on this account.

Santander Choice Current Account

  • £10 monthly account fee to help you avoid Unarranged Overdrafts
  • No Unarranged Overdraft Usage Fees, Paid or Unpaid Transaction Fees
  • Arranged Overdraft Fee of £1 a day capped at 20 days per monthly statement period.
Representative Example: 0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day capped at 20 days each monthly statement period. 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

  • Visa debit card
  • No monthly account fee and no minimum funding required
  • Fee-free arranged overdrafts for 4 months if you switch
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.

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Any calculations provided are intended as a general guide only for comparison purposes and should not be considered as an exact representation of what you will have to pay.