Is Santander right for me?
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
Santander could suit you if you want a high-street bank with branches, or if you’re a business with up to two owners wanting a free first year.
Santander at a glance
| Question | What we found |
|---|---|
| Card abroad? | 2.95% on Everyday |
| Business account? | 12 months free, then £9.99 a month |
| Business owners? | Up to 2 |
| Branches? | Yes |
Figures as of 3 October 2026, from each provider’s own website. This is general information, not a recommendation.
Who it’s for
- You want a bank with branches
- Your business has one or two owners
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- Your business has more than two owners
- You spend abroad on the Everyday card
Full explanation
Check Santander’s site for any current switch offer before you move your account.
The catch
The Everyday debit card costs 2.95% on spending abroad, so it isn’t a travel card.
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