Our Santander Edge Up current account comes with
Cashback on your bills
1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit
Monthly interest
Monthly interest of 2.50% AER / 2.47% gross (variable) on balances up to £25,000. Rates subject to change
Arranged overdraft
Short term borrowing for those unexpected costs. Subject to status – learn more about Overdrafts in the ‘Overdrafts and charges’ section below
Travel benefits
We won’t charge you for using your Santander Edge Up debit card outside the UK – Learn more in the ‘Travel’ section below
Santander Boosts
Get cashback, vouchers, prize draws and personalised offers with our free rewards service
Use our calculator to find out how much you could earn in cashback and interest with the Edge Up current account.
How it works
Pay a £5 monthly fee to maintain the account
Pay at least £1,500 into your account each month
Have 2 active Direct Debits
You’re over 18 and live in the UK permanently
You might need to provide proof of ID, such as photo ID or proof of your address
This account currently gives you 1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card.
From 9 September 2025, we’re removing the 1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card.
Account details
Account fee
There’s a £5 monthly fee to maintain the account. It’s paid from your account automatically each month.
The Fee Information Document (PDF - 130 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’s also a cost for using an overdraft. The way you manage your overdraft may affect your credit file. For example, if you don’t repay your interest and charges regularly, it could be harder or more expensive to get credit with us or other providers in the future.
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.
| Arranged overdraft interest and charges | Representative 39.94% APR/ EAR (variable) |
|---|---|
| Unarranged overdraft interest and charges | Representative 0% APR/ EAR (variable) |
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
If you use an arranged overdraft of £1,200, you’ll be charged an interest rate of 39.94% APR/EAR (variable). Actual credit limit may differ.
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 Up current account.
Monthly interest
Monthly interest of 2.50% AER / 2.47% gross (variable) on balances up to £25,000.
Rates are displayed to 2 decimal places. Interest is calculated daily and paid monthly
Cashback
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 Up current account debit card. From 9 September 2025 we’re removing the 1% cashback (up to £15 a month) at supermarkets and on travel costs.
| Household bills | |
|---|---|
| 1% cashback | Council tax bills Mobile and home phone bills Broadband and paid-for TV packages Gas and electricity bills Water bills |
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.
| Essential spend | |
|---|---|
| 1% cashback until 8 September 2025 | Supermarkets
|
Flights aren't included.
Find out more about which suppliers you can earn debit card cashback with.
Qualifying for interest and cashback
You'll need to pay £1,500 a month into your Santander Edge Up current account to get cashback and interest. 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 £15 per month for essential spend and £15 a month for household bills.
Before you apply for the Santander Edge Up current account, you should think about whether you already have Santander accounts that give you cashback on household bills paid by Direct Debit or debit card spend.
If you have more than one cashback account, you could pay more in fees than you would earn in cashback and interest.
Get an estimate of how much interest and cashback you could earn based on your spending and account balance from 9 September 2025.
We won’t charge you for using your Santander Edge Up 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 Up 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 Up 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 - 130 KB) for more information.
Key documents
- Santander Edge Up current account Key Facts Document (PDF - 259 KB)
- Santander Edge Up current account Fee Information Document (PDF - 130 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 Up current accounts and Private Current Accounts (v2), 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
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
If you already have a current account with us and you’d like to change it to the Santander Edge Up current account, you can change your account online
Your account number, card and PIN will all stay the same.
Get access to the Santander Edge credit card when you have a current account
2% cashback (up to £15 a month) on your everyday spend with the Santander Edge credit card in your first year.
29.8% APR Representative (variable). A monthly fee applies. Credit subject to status.
Boost up your life
With cashback, discounts and special offers that match your interests. All you need to do is sign up for Boosts through your Mobile Banking app or in Online Banking and you’ll be able to choose the offers you like and earn rewards when spending at your favourite retailers
My Money Manager
If you’re trying to be better with your money, My Money Manager is designed with you in mind. Now, as well as banking on the go, our mobile banking app lets you get tailored insights into how you spend.
Digital banking with us
Whether that’s using Online Banking or our Mobile Banking app, we offer a secure way to access and manage your banking needs 24/7.
How do I switch to Santander?
Choose to switch to us when you apply, or anytime after opening a Santander account. We’ll do the hard work, like closing your old account and moving payments. It’s simple, reliable and stress-free.
Not sure which current account is right for you? View all current accounts or compare our range of current accounts
Information correct as at 29 May 2025.