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Santander: Basic current account reviews

Name: Basic current account
Rating: 4.35 (332 reviews)

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4.35

Based on 332 reviews, last reviewed 23rd Apr 2026

11% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

53%

20%

13%

11%

Latest highest rating:

4

Standard current account. Standard current account. 0% interest on balances, with charges on an overdraft. Online banking is Ok and fairly easy to use Reviewed on: 23rd April 2026

Latest lowest rating:

2

The current account does everything you need it too... The current account does everything you need it too the main issue is the complete lack of people available to see in branch. By the time you have com... Read more Reviewed on: 16th April 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 (332)

Good enough.

I used to have the 123 account for the interest on balances up to £20,000 before it was cut to miniscule levels where I then switched to a basic current account. I've had reasonably pleasant experiences in my dealings with Santander but nothing that especially stands out, I've had no experience that makes me feel particularly loyal but I've also found little to really complain about. Reviewed on: 12th January 2022

Great basic current account

The account is simple to use and the Santander banking app makes it easy to send money to people or pay off my credit card. Reviewed on: 5th January 2022

Current account with no monthly fee

Switched from the 123 account when the interest rate went down significantly but the monthly fee didn't. The switch was very smooth and I kept the same account number. Reviewed on: 5th January 2022

Terrible bank.

They blocked my access to my account randomly after months of use. I can’t access my money. If I didn’t have another bank account elsewhere I’d be in trouble. I’ll never use Santander again. Reviewed on: 18th October 2021

Excellent service

Excellent service, friendly staff and good cashback offers from retailers. Reviewed on: 12th August 2021

Santander

13 years with the bank, rude, insultive, excuses for everything, money is not safe, anyone who youve ever had a direct debit with can just reset it up without your consent and empty your account.... and did!!! Reviewed on: 11th August 2021

Excellent banking with no fee

Supeeerb banking services, help always available Reviewed on: 6th August 2021

Santander why?

Charges without notice, £35 charge for 25p over overdraft - ridiculous Reviewed on: 27th July 2021

Fairly good bank

Use a current account here to keep my savings, excellent rates and the staff in branch are fairly helpful! Reviewed on: 9th April 2021

Simple and helpful

The staff at Santander UK are all English speaker, very helpful, patient and actually follow on their action once they get off the phone with you. Been with them since 2005 and never had an issue. Their mobile app is also very user friendly and pretty responsive, transactions correct and show up straight away! Can't fault them. Reviewed on: 27th March 2021

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