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government-backed Start Up business loans uk

santander limited

government-backed Start Up 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 1 monthly fee to maintain the account)

  • Opportunity to build your UK credit history, which may mean you’ll be able to access additional banking facilities with Santander in the future (subject to eligibility)
  • Contactless Santander debit card for making purchases and taking out money at cash machines
  • Pay in your income and pay bills
  • Set up Direct Debits and standing orders
  • Earn up to 15% cashback with Retailer Offers when you use your Santander debit card at a range of major retailers


  • You’re 18 or over and have a UK residential address
  • You’ve moved to the UK within the last 12 months
  • You can provide proof of study or employment in the UK
Apply online or in a branch
Overdrafts and charges

Account fee

There’s a 1 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


There’s no overdraft facility available with this account, however there may be circumstances where you make a payment that we’re unable to prevent which will take your account into a negative balance. In these cases, you won’t incur Unarranged Overdraft Usage fees or fees for allowing a payment despite lack of funds on this account. In all other circumstances, we won’t allow the payment to go through and you’ll be charged a 10 fee for refusing a payment due to lack of funds.

There is an Unarranged Overdraft Fee Cap of 50 in each monthly statement period on fees for refusing a payment due to lack of funds.

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

Balance alerts

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

  • your balance falls below zero
  • you have regular payments due on your account for which you have insufficient funds to cover, we will ask you to pay into your account to ensure these payments are made;
  • where a payment is refused as you don’t have enough funds.

If we don’t have a valid mobile number for you, we might not be able to reach you.

You can also register for other account alerts to help you to stay on top of your finances. For example, alerts to advise you when your balance has fallen below a set limit, or you have had a deposit into your account greater than a set amount.

For more information visit Account alerts
You can manage your alerts settings at any time by using Online Banking, calling us on 0800 9 123 123 or visiting a branch.

Other account information

Key documents

  • Essentials Current Account Key Facts Document (pdf)
  • Fee Information Document (pdf)
  • General Terms & Conditions (pdf)

To view these documents you may need to download Adobe Reader

Ways to bank with us

  • Online Banking
  • Mobile Banking
  • Contactless payments: link your Santander debit or credit card to your Apple, Android or Samsung device
  • In branch
  • Telephone Banking
  • ATM
  • Post Office to make withdrawals, balance enquiries, cash deposits and cheque deposits


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 Security Centre


This account doesn't pay interest.

Existing customers

How can we help you?

Report a lost or stolen card
Help with Online Banking
Help with Mobile Banking
T&C and policy documents

How to up

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