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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)

Basic account

Have never had any problems with this account since opening it almost 10 years ago. Highly recommend if looking for a no-frills account. Reviewed on: 1st January 2017

So pleased I switched to Santander

I've been with Santander for just under a year and I'm so pleased with there service, no greedy charges unlike other banks Reviewed on: 24th December 2016

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

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