Santander Everyday Current Account

Every condition

Each one in plain words, with the part of Santander’s terms it comes from.

• Full switch with the Current Account Switch Service, moving at least 2 active Direct Debits Up to you later

  What’s this?

  Moved with the Current Account Switch Service. Banks usually count a Direct Debit only if it has taken a payment recently; a new one that hasn’t been paid yet often doesn’t count. Each offer’s terms say exactly what counts.

  The account you switch from can’t be with Santander, cahoot or Cater Allen.
  In the terms: Eligibility: full switch with CASS, closing your external account
• Joint accountsA joint account switches into a new joint account in both your names, so you both apply, and the bank pays one reward between you, not one each. The terms apply their past-account and past-reward rules to both of you.
  In the terms: General term 2: “you” means the person or persons named on the account
• At least 2 of them must be for household bills Up to you: check your billsCouncil tax, mobile or home phone, broadband, paid-for TV, water, gas or electricity, paid directly to the supplier (not via PayPal, Stripe and similar). Direct Debits funding Santander, cahoot or Cater Allen savings don’t count.
  In the terms: General term 3: Household Direct Debits
• The switch must complete within 60 days of asking for the switch The banks’ side
  In the terms: Within 60 days of the switch request: complete the full switch
• Pay in £1,500 within 60 days of asking for the switch Up to you laterLeave it for a day, then you can move it back.
  In the terms: Within 60 days of the switch request: pay in at least £1,500
• Put £200 into the bank’s linked savings account within 60 days of asking for the switch Up to you laterIt goes into a linked savings account and stays there until the reward is paid; it keeps earning interest.
  In the terms: Within 60 days: fund a Santander Regular Saver with at least £200, and still hold it when paid
• No Santander current account on 1 Jan 2026 Check before you apply
  In the terms: You won’t qualify if: held a current account with Santander on 1 January 2026
• No switching offer from Santander ever Check before you apply
  In the terms: You won’t qualify if: previously received a Santander switching incentive

Not counted: Up to £104 interest in a year from Santander’s Regular Saver (8.00% AER, variable), saving £200 a month. Not counted in the reward. Saved from the Everyday Current Account. The rate is variable and includes a 5.00% bonus for the first 12 months.