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Account fee

There’s a 5 monthly fee to maintain the account. This is paid from your account automatically each month.

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.

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

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.

If you try to make a payment that would take you into an Unarranged Overdraft, we'll decide whether or not to pay it depending on your circumstances.

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

Overdraft Alerts

You’ll be automatically set up to receive text alerts when:

• your account makes or may make use of an unarranged overdraft
• you have regular payments due on your account and you don’t have the funds to cove