Santander — fees, features, catches and eligibility
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Quick answer
Santander’s Everyday Current Account often has no monthly fee (12 September 2026), and Edge costs £3 a month with cashback on bills. The Everyday card cost 2.95% on spending abroad in our checks (30 August 2026), so it isn’t a travel card. Check Santander’s site for any current switch offer before you move your account.
Who it’s for — and who should avoid it
Who it’s for
- People who want a high-street bank with branches
- People who want cashback on household bills and are happy to pay £3 a month for Edge
Who should avoid it
- Frequent travellers using the Everyday card abroad (2.95%)
Key features
- Edge account: £3 a month with cashback on bills; marketed as fee-free abroad (2.95% for the first 3 days in our checks)
- Branches plus app
Fees
| Item | Detail |
|---|---|
| Everyday | Often £0 (12 Sep 2026) |
| Edge | £3 a month with bills cashback |
| £1,000 spent abroad (Everyday) | £29.50 (2.95%) in our checks (30 Aug 2026) |
Where these facts come from: our current accounts page (12 September 2026) and travel money page (30 August 2026).
The catch
Spending abroad is the big one: the Everyday card cost 2.95% in our checks, and Edge’s fee-free spending abroad didn’t apply for the first 3 days. cahoot is part of the Santander group, so check FSCS limits if you save with both.
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