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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)

Great security

Love my bank Santander always send me a text to confirm an unusual transaction - great security Reviewed on: 11th February 2016

Urge no-one to ever get a joint account

I can't stress how terrible Santander are and how much I now loathe them and their terrible policies. Though I can't fault some of the lovely people I have spoken to in branch, they have been extremely unhelpful in helping me with a joint bank account I had with my ex-husband and despite having a legal agreement through the courts, and being in an abusive relationship they are allowing him to still use this account and run up thousands of pounds of debt in it. Ridiculous! I would urge no-one to ever get a joint account as it will cause you endless worry and stress in the long run. Especially not with Santander! Reviewed on: 31st January 2016

I love my bank

Every branch I been in I've been served with a smile and walked away happy. The online banking and telephone banking is quick and easy too. Wouldn't change bank! #TeamSantander Reviewed on: 31st January 2016

Easy online banking

Easy online banking with no problems, easy page set ups to access your bank account detials including saving and mortgage. My account was old Alliance and Leicster account and I'm sure its not got the best interest rates but as a basic current account its good Reviewed on: 28th January 2016

A good all round current account.

I have a basic current account with Santander and it's a case of what you see is what you get. It's no frills and what I need to get by with day to day banking. I've had contact with Santander both in person and via the telephone and have had good sound advice every time. If I have a problem they just sort it out. I'm not the sort of person who wants the hassle of cashback or links to other accounts or mortgages so this is the perfect account for me. A good solid bank account for people who don't want to mess about. Reviewed on: 15th January 2016

knowledgeable and lovely staff

my santander account was straight forward to set up. The staff are knowledgeable and understand what they're talking about Reviewed on: 8th January 2016

helpful cuastomer service

I went into the branch to deposit a cheque, I was in my electric wheelchair waiting in the queue to deposit the cheque at the counter when a bank employee came over, asked me what I wanted , took my details and the cheque and deposited the cheque for me. All this with a smile Reviewed on: 5th January 2016

Great easy to use account

I have been with Santander for probably 20 years, my local branch are really helpful and always there to give you advice Reviewed on: 5th January 2016

Not great if in financial difficulty

I have been charged soooo much for unauthorised overdrafts, direct debits missed etc, I have experience financial difficulty and Santander have not really reached out to help. They've had thousands off me in bank charges. Reviewed on: 29th December 2015

Great service and great customer service.

I've had an account with Santander for 4 years now and in my time I have come up with some problems like needing to take out more money than my daily allowance allows or even losing my cards. Through every problem I have had Santander have dealt with me very well, providing with a solution and helping to calm me down and reassure me that they would sort things out for me. Reviewed on: 24th December 2015

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