accountApply for a Reward or Premium Current Account
Our Reward and Premium Current Accounts include all the great features of a Santander Current Account, and are packed full of insurance, leisure and retail benefits, helping to save you money. For a monthly fee our Accounts with added benefits offer everything you would expect from a Santander Current Account plus much more.
As well as the benefits included in the table, you can enjoy an impressive interest rate of 5% AER (fixed) on balances up to £2,500 for the first 12 months (1% AER variable after 12 months). To qualify, simply pay at least £1,000 into your account every month (see note 1).
Don’t forget we currently have a special offer that means you get £100 cashback when you open a new account and switch to us!
| Benefit value | Reward Current Account £10 a month Apply |
Premium Current Account £20 a month Apply |
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| Banking benefits | |||||
| Interest-free overdraft, 12.9% EAR typical (variable) (depending on your circumstances) |
From £12.90 | More info | £100 | £500 | |
| Special personal loan deals | £121.20 | More info |  |
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| Commission-free travel money | £5 | More info | |
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| Insurance and security benefits | |||||
| Annual worldwide family travel insurance | From £150 | More info | |
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| Green Flag car breakdown (UK) | £70 | More info | |
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| Identity theft protection | £69.99 | More info | |
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| Card loss assistance | £17.99 | More info | |
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| Key protection | £20.35 | More info | |
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| Health Benefits from AXA PPP healthcare | Unique benefit – equivalent price not available | More info | |
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| Online will-writing service | £100 | More info | |
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| Legal advice | Not included in the total benefit value | More info | |
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| Mobile phone insurance | £107.88 | More info | |
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| Leisure and retail benefits | |||||
| Leisure discounts | Up to £300 – not included in the total benefit value | More info |
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| Airport lounge access | £137 | More info | |
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| Concierge | £150 | More info | |
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| Total value | £467.43 | £919.09 | |||
| Annual account fee | £120 | £240 | |||
| Total potential savings | £347.43 How we work these savings out |
£679.09 How we work these savings out |
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Apply » Important account information |
Apply »
Important account information |
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Note 1: 5.00% AER/4.89% gross (fixed). 1.00% gross/AER (variable). 0.10% gross/AER (variable). We will not pay interest on any amount over £2,500 or on your whole balance if you do not pay in at least £1,000 monthly.
AER stands for annual equivalent rate and shows what the interest rate would be if we paid interest and added it to your account each year. The gross rate is the interest rate we pay before income tax is taken off. Rates may change and we pay interest each month.
EAR stands for effective annual rate and represents the yearly cost of an overdraft, which takes into account how often we charge interest to the account, and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.
Rates are correct as of 5 July 2010.