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Santander: Basic current account reviews

Name: Basic current account
Rating: 3.97 (318 reviews)

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4.04

Based on 318 reviews, last reviewed 23rd Jan 2026

900% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

52%

20%

13%

12%

Latest highest rating:

5

Santander in France As I live in France, Santander has maintained my account despite Brexit with efficiency and good service. All calls are acknowledged by their team and... Read more Reviewed on: 23rd January 2026

Latest lowest rating:

1

They are so rude, they mess up and don't hold themse... They are so rude, they mess up and don't hold themselves accountable for the issues that they have caused. Putting there customers into debt and not a... Read more Reviewed on: 4th March 2025

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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 (318)

Worse bank ever

I have been stranded for more than 2 weeks without access to my cards and accounts because they are suspecting frais because of HMRC refund. I sent them straight away proofs that the payment was due to me. I am calling them every single day and the answer is « we are looking into your issue ASAP ». We have very different notion of ASAP if it takes more than 2 weeks to review a HMRC letter!!! I have been twittering them facebooking them, gone into branch several times but no one looks into my issue. So so poor and disappointing thinking that I have been banking with them for 5 years. The worse is that they blocked my account while I was in Spain and I had to cash alternative, I had to beg complete strangers for money for food and fraud public transport as I had no access to any funds. Completely outrageous when you think I have thousands of £ in ransom in my account. My Santander credit card is also not being paid due to the block so they are charging me a £12. Just realised my Netflix account has been disconnected because they are blocking everything out of my account. I have tried closing my account but it is not possible due to the « investigation ». Completely outrageous and unacceptable and no one has the decency to even contact me! I am furious!!! Reviewed on: 7th March 2020

TOTALLY CRAP ON LINE BANKING SYSTEM !

TOTALLY CRAP ON LINE BANKING SYSTEM ! I spent over 2 hours trying to log in, clear the cookies, using various browsers. DO NOT USE SANTANDER BANK as they are totally shi*t in IT dept. I have other bank accounts with on line banking & have not had any issues - santander is the only one so it proves they are incompetent. Reviewed on: 7th March 2020

Terrible bank

They've blocked my account because I got a tax refund off hmrc I've shown them proof and they still wont let me access my account or have any of my funds when you ring you get nothing from them it's the worst bank to open an account with Reviewed on: 5th March 2020

Great first child's account

Opened this for my son, love that it gains interest as my son can see if he doesn't spend money it grows instead of remaining sfatic Reviewed on: 10th February 2020

It's done the job for me

I don't think the rates are very good on their savings accounts at all. My graduate account is nearly maturing I think, I couldn't see when it started on my online banking. The overdraft facility is still there I think that the account lasts for two years and then becomes a normal current account. I get 3% interest on a balance larger than £200 I think so that's not bad. Reviewed on: 9th February 2020

Excellent

Always helpful & friendly , very polite and accommodating Reviewed on: 8th February 2020

Basic Current Account

Runs without problems. But 0% interest on balance and not much in perks. Reviewed on: 8th February 2020

Excellent customer care

Excellent customer care and very easy to get hold of. Incredibly quick to act if there’s any suspicious activity on your account and very helpful for day to day advice too. Reviewed on: 7th February 2020

Trustworthy

Alwaystheretorespondtomyneeds.Anhonesttogoodnessfamilybank. Reviewed on: 6th February 2020

Easy

Easy to use and does what it's meant to without issues Reviewed on: 4th February 2020

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