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santander limited

business loans uk help write your business plan

Country/Region china

Company santander limited

Categories Chinese Business Consulting Service

Update 2020-01-14 10:44:00

ICP License Issued by the Chinese Ministry

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What you can get for no monthly fee

  • No minimum monthly funding or monthly fee to maintain the account
  • Arranged Overdraft facility (subject to status) - learn more in the 'Overdrafts and charges' section below
  • Stress-free account switching in 7 days with the Current Account Switch Service
  • Earn up to 15% cashback with Retailer Offers when you use your Santander debit card at a range of major retailers

Eligibility

  • You're over 18 and live in the UK permanently
Apply online in 10 minutes
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Overdrafts and charges

Account fee

There’s no monthly fee to maintain the account.
The Fee Information Document details the main fees and charges on this account. For further explanation of our main terms and services 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 fees 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.

Overdrafts depend on your circumstances and 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 but 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 occurs 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 that would take you into an unarranged overdraft, we make the decision whether to allow or reject the payment based on your individual circumstances and you may incur a fee.

Am I eligible? How much will it cost?


Is the eligibility checker right for me?
Already completed the eligibility checker? You can retrieve your previous decision

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

Arranged overdraft fee

1 a day

2 a day

3 a day

Below 2,000

2,000 to 2,999.99

3,000 and over

Unarranged overdraft fee

6 a day

Fee for allowing a payment
despite lack of funds

10 per transaction

Fee for allowing or refusing a payment
due to lack of funds

10 per transaction

The Everyday Current Account has a monthly cap for Unarranged Overdraft Fees of 50. This means that if you incur any Unarranged Fees (including fees for allowing or refusing a payment due to lack of funds) in any monthly statement period, they will never be more than 50 in total.

Representative example

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of 1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: 1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.

We offer other current accounts with different overdraft fees 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 existing mortgage customers. Learn more about our borrowing options

There are other charges with this account, such as when you use your card abroad. Please refer to the Terms and Conditions for details.

Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.


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