Santander Edge current account

Account fee

There’s a £3 monthly fee to maintain the account. It’s paid from your account automatically each month.

The Fee Information Document (PDF - 128 KB) explains the main fees and charges for this account, including those for using an overdraft. 

To learn more about some of the common terms we use, take a look at our glossary

Overdraft

An overdraft lets you borrow through your current account. It’s intended mainly for short-term costs or emergencies and isn’t generally suitable for longer-term borrowing. There is a cost associated with using an overdraft. The way you manage your overdraft, for example if you don’t repay your interest and charges regularly, may affect your credit file. This could make it harder or more expensive to get credit with us or other providers in the future. Find out more about overdrafts

Overdrafts depend on your circumstances. You must repay any overdraft when we ask, in line with our General Terms and Conditions. We may ask you to repay all or part of your overdraft at any time. We'll try to notify you of this in advance.

An arranged overdraft is when we let you borrow up to a pre-agreed limit. You can ask for one when you open your account or at any other time.

An unarranged overdraft is when your account goes overdrawn without an arranged overdraft in place or if your account goes over your arranged overdraft limit.

When you try to make a payment when you don’t have enough money in the account, we decide whether to allow or reject the payment based on your circumstances. If we allow a payment, it’ll take you into an unarranged overdraft. We don’t charge fees for allowing or refusing a payment due to lack of funds.

Am I eligible?  How much will it cost?

Is the eligibility checker right for me?
Already completed the eligibility checker? Find your previous decision

The table below shows you how you’ll be charged for using your overdraft. 

How does our overdraft compare? We show a representative APR so you can compare the costs of different credit products.

If you’re switching to us from another bank, you won’t be charged arranged overdraft interest for the first 4 months.

Representative example

We offer other current accounts with different overdraft interest rates or without the option for an overdraft facility. We also have different borrowing options, such as credit cards, personal loans, and additional loans for our mortgage customers. Learn more about our borrowing options

There are other charges with this account. Please see our terms and conditions for details.

Account alerts

We'll send you free alerts when:

• you make a payment that may take your account into an unarranged overdraft
• you make a payment that may take your account into an arranged overdraft
• we intend to refuse a future payment due to a lack of funds
• we refuse a payment due to lack of funds.

We’ll send these alerts before your account's charged so you have time to pay in money to avoid or reduce these charges. We’ll send these alerts by text, push notification, and/or email, so it’s important you tell us if your mobile number or email address changes. 

You'll be automatically registered for these alerts. You can manage your alerts settings at any time by using Online Banking. For more information, visit our account alerts page.

Need more help? Please contact us or visit your local branch

If you need help managing your money or if you’re in debt, please visit our money worries page.

International and CHAPS payments

• You can make international payments with no extra fees from us. The bank receiving the payment may still apply charges.
• There’s no charge for making CHAPS payments from your Santander Edge current account.

You can earn 1% cashback on:

• some household bills, when you pay them by Direct Debit
• some supermarket and travel costs when you pay with your Santander Edge current account debit card. From 9 September 2025 we’re removing the 1% cashback (up to £10 a month) at supermarkets and on travel costs.

Cashback isn’t paid on TV licences, LPG or Calor gas, maintenance contracts (e.g. boiler repair cover) or for commercial use.

Find out which suppliers you can earn Direct Debit cashback with.

Flights aren't included.

Find out more about which suppliers you can earn debit card cashback with.

Qualifying for cashback

You'll need to pay £500 a month into your Santander Edge current account to get cashback. Any interest paid, and payments between Santander personal accounts you’re named on won't count towards this. You also need to have 2 active Direct Debits on the account.

We’ll pay your cashback each month and it’s capped at £10 per month for essential spend and £10 a month for household bills.

We won’t charge you for using your Santander Edge debit card to withdraw cash and make payments in the local currency outside the UK. (We'll apply a 0% foreign currency conversion fee.)

It may take up to 3 working days for the 0% foreign currency conversion fee to be applied after you’ve opened or transferred to the Santander Edge current account. If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable. 

We'll apply the current Mastercard exchange rate to any purchases or cash withdrawals you make in the local currency.

Please note that local banks may charge their own fees when you use one of their cash machines and you should make sure you understand what these are before making a withdrawal.

You can also send money to friends and family abroad from your Santander Edge current account with no extra fees from us for the international payment. The bank receiving the payment may still apply charges.

Have a look at the Fee Information Document (PDF - 128 KB) for more information.

Key documents

• Santander Edge current account Key Facts Document (PDF - 571 KB)
• Santander Edge current account Fee Information Document (PDF - 128 KB)
• General Terms & Conditions (PDF - 900 KB)

To view these documents, you may need to download Adobe Reader

You can apply if:

• you’re over 18
• you live in the UK permanently.

You may only hold a maximum of two Santander Edge current accounts, one in your own name and one in joint names.

Santander Boosts

Get rewards to give you a little boost when you bank with us. 

All you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking and then you’ll be able to choose the offers you like and earn rewards with your favourite retailers.

• Earn cashback when you shop online at a wide range of retailers
• Receive vouchers and coupons for discounts on a variety of products and services
• Get offers personalised to your individual interests and hobbies
• Enjoy free gifts and enter prize draws

Ways to bank with us

24/7 banking on all your devices with Online Banking and our Mobile Banking app.

• Set up personalised account alerts.
• Get personalised spend insights with My Money Manager
• Pay with your phone by linking your debit card to your Apple, Android or Samsung device.

Face-to-face support in branch and UK-based telephone support.

• Visit your nearest branch
• Telephone Banking
• Cash machines
• Post Office

Paper-free

This is a paper-free account which means:

• Your documents, statements and some of your letters will be sent as e-Documents to your secure inbox on Online Banking (unless you require documents in an alternative format, such as Braille).
• You'll need to provide us with an email address when you open the account as we’ll send you an email to let you know when a document is ready to view.
• Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post.

Security

Keep your banking details private and secure. For more information about our approach to security as well as more useful information to help you stop the threat of fraud, visit our fraud and security pages 

How we manage scam claims

We’ll support you if you’ve fallen victim to fraud. Find out more about our approach to fraud

To earn interest with Santander Edge, you can apply for the Santander Edge saver account which pays 6.00% AER*/ 5.84% gross** (variable) interest on balances up to £4,000 (includes 2.00% AER/ 1.98% gross (variable) bonus rate for the first 12 months from opening)​.

• You’ll need to apply for the Santander Edge saver separately, after you’ve opened your current account.
• You'll need to apply through Online or Mobile Banking. If you're new to Santander or don't already use these, we'll send your log-in details within 7-10 days of your new current account being opened.
• You can have one Santander Edge saver for each Santander Edge current account you have. That means a maximum of 2 if you have both a single and a joint Santander Edge current account.
• The Santander Edge saver can only be held in a single name. If you have a joint Santander Edge current account, you can each have a Santander Edge saver in your own name.
• You’ll need to continue to hold a Santander Edge current account to stay eligible for exclusive products. If you stop being eligible, we may close or downgrade your exclusive product(s).

Learn more about the Santander Edge saver

* AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.
** The gross rate is the interest rate we pay where no income tax has been deducted.
Rates may change and we pay interest each month.

If you already have a current account with us and you’d like to change it to the Santander Edge current account, you can change your account online 

Your account number, card and PIN will all stay the same.