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santander limited

cheapest deal business loans uk

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 a 5 monthly fee to maintain the account)

  • Personal banking support from a Relationship Manager
  • 24 hour dedicated call centre support for your banking needs
  • Monthly interest of 1.50% AER/1.49% gross (variable) on your balance up to 20,000, plus monthly cashback on selected household bills
  • 1,000 daily cash machine withdrawal limit
  • Fee-free withdrawals at Santander cash machines abroad when you choose the local currency
  • Earn cashback of up to 15% at a range of major retailers when you use Retailer Offers with your Santander Select debit card
  • Arranged overdraft facility (subject to status) - learn more in the ‘Overdrafts and charges’ section below


To open the account:

  • You’re 18 or over and live in the UK permanently
  • Either pay your main income of at least 5,000 a month into your Select Current Account (excluding transfers from other Santander accounts) or keep 75,000 in any Santander investment(s), savings or current accounts

To get cashback and interest:

  • Pay at least 500 a month into your Select Current Account (excluding transfers from other Santander accounts)
  • Have at least 2 active Direct Debits
Apply online in 10 minutes
Overdrafts and charges

Account and other fees

There’s a 5 monthly fee to maintain the account. We take it 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


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.

The Arranged Overdraft Usage fee will depend on the amount you use. The first 500 is fee-free.

Arranged Overdraft fee


1 a day500.01-1,999.99

2 a day2,000-2,999.99

3 a day3,000 or more

Unarranged Overdraft fee

No fee

If you are switching to Santander then there’ll be no arranged overdraft usage fee for the first 4 months

Representative example

0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage fee of 1 per day on overdraft limits between 500.01 and 1,999. If you’re switching to Santander 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.

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 o

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