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Santander: Basic Current Account reviews

Name: Basic Current Account
Rating: 3.94 (305 reviews)

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3.95

Based on 305 reviews, last reviewed 22nd Apr 2025

900% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

51%

21%

13%

12%

Latest highest rating:

5

. recommended I have recommended the account to my mum and she opened one Reviewed on: 22nd April 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.

Santander Basic Current Account reviews (305)

Review of the Santander, Basic Current Account:

Fantastic

Great bank. Great people. Fantastic service. Reviewed on: 4th February 2018

Suits my purpose

Like the ease of this account and the mobile app is great! Reviewed on: 16th February 2023

No fuss, simple and easy.

Everything was simple and easy to set up. Basic account for my needs and accommodate people with bad credit rating. Reviewed on: 10th February 2023

Helpful and easy to use

I have been with Santander for just over 9 years now and I have always found them super reliable and always helpful when I've had a problem. Reviewed on: 8th February 2023

Great bank, very professional staff

Staff dealt with my problem efficiently and effectively. Website is easy to navigate Reviewed on: 2nd February 2023

Alright, I guess

Webpage is very unintuitive, but I'm happy that it doesn't have any running costs to have an account. Reviewed on: 1st February 2023

Serves a purpose

Been with them years, overdraft limit is about a third of the money that goes in every month. Wouldn't increase it when we got close to it; didn't even ask what we wanted (when £100 would've been fine). A but disappointed when the opening line of their recorded message is about customers who might be struggling. Reviewed on: 1st February 2023

Great, Basic Account

I needed a separate current account away from my mortgage/current account. No extras or fees but does the job. Recommended! Reviewed on: 1st February 2023

Good

Nice customer relations service Reviewed on: 26th January 2023

They blocked my account with £80k in it

It doesn't deserve any stars at all. The Bank is full of conmen who haven't got a clue of what they are talking about. I am disabled and opened a Bank account after speaking with them. They advised to open Basic account as I don't have to come to Bank and there is no monthly payment. I opened the account and advised them on two occasions that I will be receiving payment from my previous employer and they advised that it is fine. On 13 Jan, they blocked my account as 13k came into the account. They called me and asked paperwork despite me telling them in advance. I sent the paperwork and someone called on 16th that everything is fine and there will be no issues. Did few transactions on card and card got blocked twice. Called them and removed block again. One of their advisors mentioned to do BACS instead of more card transactions as it is basic account. on 17th, I tried to do some BACS transactions and they blocked the account again. Spoke with few people and was told that someone will call me back but no one did. Today is 23rd and I spoke with them. The guy over the phone wants me to come to branch when I am disabled and bed bound. I literally advised everyone on the phone that I am disabled hence I opened Basic account. The lad on the phone kept advising to come to branch even if I am disabled. Spoke with my son and they kept arguing. The lad on the phone made me feel as if Santander is making fun of disabled people and don't care. I also offered his Santander staff to come to house but he rejected. They still have my 80k and I will be taking legal route. AVOID THIS BANK AT ALL COST. YOU WILL LOSE YOUR MONEY AND PEACE OF MIND Reviewed on: 23rd January 2023

Santander is a good bank

I have been with this bank for years now, when it was called Abbey National and they are a good bank. I have no complaints. My only complaint is that my local branch has closed down. Reviewed on: 15th January 2023

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