Current account cashback calculator

Is your supplier eligible?

The search tool above shows potential cashback you could earn.

How do we decide what cashback to pay?
We pay cashback on the Direct Debit payments you make directly to the supplier. We’ve made a list of eligible companies using the BACs Originator Identification Number table. It shows the organisations that use Direct Debit payments. They’re listed in the search tool above.

Your cashback payments are based on this list and our categorisation of the services they offer. Some organisations:

offer more than one service or utility that go across different cashback categories (for example broadband and electricity or gas)
may also use more than one identification number for the different services they offer
may take payment for multiple services using the same identification number.

Cashback we pay you is based on the identification number used to take the payment. This may not match what you were expecting based on the supplier name. You may earn a different amount to that shown in the cashback and interest calculator

For example, if your payment is for gas but the supplier also offers broadband, cashback may be at a lower rate for broadband based on the identification number. This is because it isn’t possible to tell the difference between these services.

Cashback is paid on Direct Debit payments made to the supplier. For example, if your water bill is included in your council tax bill, then you'll be paid at the rate available for council tax only. This is because it isn't possible to identify the portion of the payment that relates to water.

Exclusions apply
Cashback isn’t paid on:

tv licences
LPG/ Calor gas
maintenance contracts (such as boiler repair cover)
other insurance contracts
commercial use
commercial mortgages.

What you need to do

Monthly account fees will be taken from your account automatically. There’s a £4 monthly account fee on both the 1I2I3 Current Account and Select Current Account. The monthly fee on the 1|2|3 Lite Current Account is £2.

To earn cashback and interest you need to:

Pay at least £500 into your account each month. Any interest paid and payments between Santander personal accounts you’re named on won’t count towards this.
Have at least 2 active Direct Debits. For cashback, household bills must be paid to organisations within eligible categories.
For the 1|2|3 Lite Current Account, you’ll also need to log onto Online or Mobile Banking at least once in every three months.

Can't find your supplier? If you can’t find your supplier on our list, you may contact us or visit a branch to discuss.

Interested in getting cashback at supermarkets and on travel costs?

Check out our cashback and interest calculator to find out what you could earn with the Santander Edge and Santander Edge Up current accounts.

Cashback and interest calculator

Important information

The 1|2|3 Current Account, 1|2|3 Lite Current Account and Select Current Account are no longer available to open.

Monthly account fee: an account fee is due even if you don’t qualify for cashback or interest benefits in a specific month.
Funding your account: to benefit from cashback and interest you must pay in at least £500 a month. This isn’t a calendar month, it’s the month from the date you opened your account. Interest and payments between Santander personal accounts you’re named on won't count towards the monthly funding amount. If you don’t pay the minimum amount into your account each month, you won’t get any cashback or interest for that statement month. But your monthly account fee will still be charged/due.
Cashback: cashback is paid automatically into your account each month just before your statement is sent. We'll show you how much cashback you've earned in each category each month. There's a £5 cap on the total cashback you can get in each category. Mortgage cashback applies to Santander UK plc mortgages. The cashback on water and council tax bills applies to rates in Northern Ireland. If your water bill is included in your council tax bill, then you'll be paid at the rate available for council tax only. Santander has categorised all companies within cashback categories as accurately as possible.
How we pay cashback: cashback is based on the date Direct Debits are collected. Direct Debit collection dates may vary, for reasons out of our control. This could mean a Direct Debit isn’t collected within a statement period. So this could be collected twice during the following statement period. This may affect on the amount of cashback you earn for that month due to the cashback cap.

Where can I earn cashback on my 123 account?

You can find out where you can earn cashback on household bills with the 1|2|3 Current Account, 1|2|3 Lite Current Account or Select Current Account. These accounts are no longer available to open from 20 June 2023.

Is your supplier eligible?

What you need to do

To earn cashback and interest you need to:

Important information