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Santander: Basic Current Account reviews

Name: Basic Current Account
Rating: 3.94 (307 reviews)

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3.97

Based on 307 reviews, last reviewed 14th Jun 2025

80% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

51%

21%

13%

12%

Latest highest rating:

5

I have been a Santander customer since it was Abbey... I have been a Santander customer since it was Abbey National and it has never let me down. The staff are always pleasant and helpful. They are my go-t... Read more Reviewed on: 14th June 2025

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 suitable for everyday banking needs. The account is designed for anyone new to the UK or with a poor credit history. Online and mobile banking options are available and account holders can withdraw fee-free cash from Santander cash machines when abroad. With Santander’s free rewards service, Basic Current Account customers can also access cashback, vouchers and prize draws.

It’s important to find the right bank account for your needs. Choosing a suitable account can become more difficult if you’re new to the country or have a poor credit rating. Learn how well Santander serves this demographic by reading our Santander Basic Current Account reviews.

Learn about existing account holders’ circumstances and why the Basic Current Account has worked for them. Find out about the sign-up process and how supportive Santander’s customer service team is. Read about the different perks available with the free rewards service. Learn more about the mobile banking app and the features it provides. Make an informed decision about your new bank account by reading our Santander Basic Current Account reviews.

If you have a Basic Current Account, share your experience with our Smart Money People community. How long have you had your account and is it your main bank account? Why did you choose the Basic Current Account and have you been satisfied so far? What’s your favourite feature of the account and is there anything you feel could be improved? Don’t forget to include any experiences you’ve had with the customer service team. Whether good or bad, write an honest Santander Basic Current Account review today. Together, we can help people like you make better financial decisions.

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Santander Basic Current Account reviews (307)

Simple with no monthly charges

I have two identical accounts, one used for my business incomings and outgoings as there's no monthly charge. Agreed overdraft charges are £30 per month, so best avoid having one if you can, as it's pretty extortionate. Generally on a day to day basis, I experience no problems and can communicate if need be online with secure email. Banking app for iPad Is good too. Reviewed on: 24th December 2016

kind

so helpful kind attentive and knowledgeable.. Reviewed on: 11th December 2016

Bank Charges applied on Current Account

Disputed with the Alliance and Leicester when i had a current account with them, (part of what is now under the Santander Umbrella) Despite never going over drawn by more than £20 I was charged £25 Standing fee for being overdrawn by about £20 for around 3 days, I stated and complained with the Bank that I made a simple mistake and as soon as i was aware of I placed money to get my account back in to the black. I received the response that they were not willing to pay back the charge and I would need to increase my overdraft to minimize the interest charges. This was before Mobile Banking really took off, circa 2006. Needless to say it was not long after that i closed down my account with them and transferred to another Competitor.. Reviewed on: 17th November 2016

Disappointed by very low interest on this account

The interest rate is very low, sao I try and keep as little in the bank as I can Reviewed on: 15th November 2016

Basic current account

i have just opened a basic current account with Santander. It only took a few days now I am using it. Thanks Santender. Reviewed on: 27th September 2016

Nice bank

Easily accessible in Newcastle which is a student city Reviewed on: 27th September 2016

Good but there's room for improvement

I've recently called them to change my account type, took ages for a reply Reviewed on: 27th September 2016

Fantastic Company

Always a personal, reliable and helpful service Reviewed on: 15th August 2016

Current account

it does what it says on the tin! Reviewed on: 28th June 2016

The Santander bank is excellent for easy and hassle free online banking!

I have been with Santander for my personal banking for 22 years. Their online banking is easy to use and hassle free. They have linked my saver account online to my everyday current account so that when I login I am able to access both accounts. The Santander website is very reliable and I have not experienced it going down. They are well worth considering for hassle free banking. Reviewed on: 21st June 2016

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