+£200
30 mins
Santander
£200 Free Cash•30 mins
£200 Free Cash
+£200What is Santander?
Santander UK is one of Britain's largest high street banks, serving over 14 million customers. With a strong branch network and competitive savings rates, they're known for their 1|2|3 cashback rewards on household bills.
Launched
2010
Customers
14m+
Google Play
4.7 (355k)
★★★★★★
Key Terms
Profit
+£200
Credit checkHard check
Direct debits2 (Must be household direct debits*)
Pay-in
£1,500
Multiple transfers allowed (e.g. 3 x £500)
Free cash£180
Free cash arrives99 days
*: Household direct debits only – see the full list
Eligibility: Must not have held a Santander account on 1st January 2025, and not received a switch bonus previously
Step by Step Guide
Chris's overview
Optional·2 min read
This is a straightforward bank switch with a generous £200 bonus – one of the best on the market right now. The criteria is easy: pay in £1,500 (can be done on day one) and keep 2 household direct debits active. No card transactions required.
Go for the Everyday Current Account – it's completely free with no monthly fees. The one quirk is timing: Santander checks your account at day 60, then pays within 30 days – so you're looking at ~90 days total. Make sure your direct debits stay active the whole time.
Sign up via TopCashback using the link below to get an extra £20 on top, bringing your total to £200. Note: Santander sometimes have multiple offers on TopCashback, so search for "Santander Everyday Current Account" to find the right one.
Pre-switch checklist
Optional·1 min check
Before starting a switch, check the existing current account you're switching from:
Plus:
1
Apply for Santander Everyday
You are here15 mins
- Use the button below to go to TopCashback to get an additional £20 cashback
- Search for 'Santander Everyday Current Account' – Santander sometimes have multiple offers, so make sure you pick the right one
- Click through to Santander and select the Everyday Current Account (free, no monthly fee)
- Select 'Yes' when asked if you want to switch your current account
- Enter your existing bank's sort code and account number to initiate CASS
2
Pay in £1,5009d
5 mins
Switch completes in 7 working days (9 calendar days).
- Pay in £1,500 (can be a salary or a transfer from another account)
Complete within 60 days of switch
Keep direct debits active
- Keep your 2 household direct debits active on the account
3
Receive £180 cash90d
5 mins
£180 paid within 90 days of switching
- Check your Santander account for the £180 credit
- Keep Santander as your main account, or switch it to your next bank switch offer
Santander checks criteria at day 60, then pays within 30 days – so expect your bonus around day 90.
4
Receive £20 cashback90d
5 mins
£20 cashback paid within 90 days of switching
- Your TopCashback bonus will become payable – withdraw this to your bank
Offer Complete
Done? Tick off each step above to see your total.
Quick Santander Review
Completed the offer? Awesome! Here's our full review on why Santander could work well for you going forward.
Santander at a glance
Updated:
Two live offers with Santander on Quidsy right now: a £180 switch bonus for moving your current account across, and a Stocks and Shares ISA worth a look if you're after a familiar high street name for investing. The switch is a standard CASS move, just check you're a new switcher first.
Customers
14m
UK accounts
Founded
2010
16 years old
App Store
4.8 ★
1.3m reviews
Google Play
4.7 ★
355k reviews
Santander is worth it if you want a proper high street bank with a real branch network, a solid app, and access to a regular switch bonus. It's not the most exciting bank in the UK, but for most people that's a feature, not a bug.
For switchers, my advice is simple: go for the Everyday Current Account, not Edge or Edge Up. It's completely free, the £180 switch bonus is one of the best on the market, and the criteria is straightforward (pay in £1,500 and keep 2 household Direct Debits active). No card transactions required, no monthly fee to claw back.
The only catch is the wait. The £180 typically takes around 90 days to arrive, which is longer than some competitors pay out. Build that into your plan and it's a tidy bit of free money.
On the savings side: if Santander's rate is competitive when you look, keep your money there. If not, the Easy Access Saver has no withdrawal penalties, so move it. Don't get loyal with savings, chase the rate.
Santander UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 106054. Eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).