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Santander: Basic current account reviews

Name: Basic current account
Rating: 4.12 (339 reviews)

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4.12

Based on 339 reviews, last reviewed 5th Sep 2026

82% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

52%

20%

13%

12%

Latest highest rating:

4

Average bank, friendly staff I find the branch staff friendly Reviewed on: 14th June 2026

Latest lowest rating:

1

Title: I deeply regret switching to Santander I switched my personal banking to Santander, initially attracted by the £175 switching offer. My experience since then has been appalling, and I now h... Read more Reviewed on: 5th September 2026

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About this product

The Santander Basic current account is for people who’ve been turned down for another current account, have a poor credit history, or are new to the UK for work or study.

The Basic current account has a contactless debit card, basic banking facilities, mobile banking as well as no fees for using Santander cash machines abroad.

Santander Basic account reviews help you find out what it’s really like to be a customer. If you’ve used Santander before, you can also leave a review and share your experience.

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Santander Basic current account reviews (339)

My first account

It was my first account in England and I was really happy with it Reviewed on: 26th February 2023

Assisted The Scam of Vulnerable Pensioner then refused to refund

Purchased a item online after doing all relevant checks but turned out to be a scam with payments made through their payment system. Santander refused to class it as a scam before the goods did not arrive then once the goods did not arrive their investigation concluded that I should have known it was a scam before the purchase and held me liable for the payment. They did not pursue the scammers and the investigators made their conclusions based on my age (I'm 74) rather than asking what checks I had made. Despite my husbands recent death which blocked our account (easiest way to complain) they refused to provide a complaints email and didn't send through phone transcripts that were promised when I had no option but to complain by phone. Wholly deserve their 1 star for terrible and dishonest customer service Reviewed on: 23rd February 2023

Good experience with Santander

I am happy with the way they accepted me when I first moved to the UK. Reviewed on: 22nd February 2023

Ok

Ok good bank to use daily and have all money paid in to this account b4 putting in to different accounts Reviewed on: 16th February 2023

Suits my purpose

Like the ease of this account and the mobile app is great! Reviewed on: 16th February 2023

No fuss, simple and easy.

Everything was simple and easy to set up. Basic account for my needs and accommodate people with bad credit rating. Reviewed on: 10th February 2023

Helpful and easy to use

I have been with Santander for just over 9 years now and I have always found them super reliable and always helpful when I've had a problem. Reviewed on: 8th February 2023

Great bank, very professional staff

Staff dealt with my problem efficiently and effectively. Website is easy to navigate Reviewed on: 2nd February 2023

Alright, I guess

Webpage is very unintuitive, but I'm happy that it doesn't have any running costs to have an account. Reviewed on: 1st February 2023

Serves a purpose

Been with them years, overdraft limit is about a third of the money that goes in every month. Wouldn't increase it when we got close to it; didn't even ask what we wanted (when £100 would've been fine). A but disappointed when the opening line of their recorded message is about customers who might be struggling. Reviewed on: 1st February 2023

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