Current accounts

A current account range to suit everyone

Now provided by Santander. Whatever your banking needs, our bank accounts provide flexibility and are now even more rewarding with our special switching offer!

Preferred In-Credit Rate Current Account

Switch to a current account that pays high interest AND £100
  • £100 cashback and 5% AER (fixed) when you switch using our Account Transfer Service and pay in at least £1,000 into your new account each month. 
  • 5% AER (fixed for one year) on balances up to £2,500. After one year, this changes to 1% AER (variable).
  • 0% EAR typical overdraft rate for your first 4 months when you switch your account to us using our free Account Transfer Service. After 4 months or if you do not switch the rate is 19.9% EAR typical (variable).
  • We'll also match your previous overdraft up to £5,000 (depending on your circumstances).
  • You must be aged over 18 and living permanently in the UK.
  • We will not pay interest on any amount over £2,500, or on your whole balance if you do not pay in at least £1,000 monthly.

Preferred Overdraft Rate Current Account

Switch to a current account with a low overdraft rate.
  • 0% EAR typical (variable) overdraft for one year when you switch using our Account Transfer Service and pay in at least £1,000 into your new account each month, then after one year the rate will be 12.9% EAR (variable)
  • The rate will be 19.9% EAR (variable) if you don’t pay in at least £1,000 each month.
  • If you do not credit at least £1,000 each month but switch to us, you will receive 0% EAR (variable) for first 4 months, then 19.9% EAR (variable)
  • We'll match your previous overdraft up to £5,000 (depending on your circumstances).
  • You must be over 18 and living permanently in the UK.

Reward Current Account

Switch to a bank account with a great rate and over £450 worth of benefits each year.
  • £100 cashback and 5% AER (fixed) when you switch using our Account Transfer Service and pay in at least £1,000 into your new account each month. 
  • Benefits include annual worldwide travel insurance, GreenFlag UK breakdown cover, identity protection, help with lost cards and key protection, plus more, all of which is worth over £450 each year, all for just a £10 monthly account fee.
  • Earn 5% AER (fixed for one year) on balances up to £2,500. After one year, this changes to 1% AER (variable).
  • 0% EAR typical overdraft rate for your first 4 months when you switch your account to us using our free Account Transfer Service. The rate then changes to 12.9% EAR (variable).
  • The overdraft rate will be 19.9% EAR (variable) and we will not pay credit interest on any amount over £2,500, or on your whole balance if you do not pay in at least £1,000 monthly.
  • We'll match your previous overdraft up to £5,000 (depending on your circumstances).
  • You must be over 18 and living permanently in the UK.
  • If you have an existing Santander current account with us and want to upgrade, click here

Premium Current Account

Switch to a bank account with a great rate and over £900 worth of benefits each year.
  • £100 cashback and 5% AER (fixed) when you switch using our Account Transfer Service and pay in at least £1,000 into your new account each month. 
  • Benefits include annual worldwide family travel insurance, Health benefits from AXA PPP healthcare, GreenFlag UK breakdown cover, Mobile insurance, identity and key protection, Airport Angel and concierge, plus more, all of which is worth over £900 each year, all for a £20 monthly account fee.
  • Earn 5% AER (fixed for one year) on balances up to £2,500. After one year, this changes to 1% AER (variable).
  • 0% EAR typical overdraft rate for your first 4 months when you switch your account to us using our free Account Transfer Service. The rate then changes to 12.9% EAR typical (variable).
  • The overdraft rate will be 19.9% EAR (variable) and we will not pay credit interest on any amount over £2,500, or on your whole balance if you do not pay in at least £1,000 monthly.
  • We'll match your previous overdraft up to £5,000 (depending on your circumstances).
  • You must be over 18 and living permanently in the UK.
  • If you have an existing Santander current account with us and want to upgrade, click here



Click on the following link to read the full terms and conditions and view Interest rates and fees information. More information

AER stands for Annual Equivalent Rate and shows what the interest would be if we paid interest and added it each year. The gross rate is the rate paid before income tax is taken off. Rates may change and we pay interest each month.

EAR stands for Effective Annual rate and represents the yearly cost of an overdraft, which takes into account how often we charge interest to the account and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.

Rates correct as at 28th June 2010