Offer overview
Chris · Your personal guide
Switch
- Apply for the Santander Everyday Current Account
- Please note this is a hard credit check.
Eligibility
- Does not qualify:Had a Santander current account open on 1 January 2026, even if you've closed it since
- Does not qualify:Had a Santander switch payment before
Step by Step Guide
- 1Click the button below to open TopCashback through the referral link
- 2Search TopCashback for the Santander Everyday Current Account, then click through to Santander from there
- 3Apply for the Everyday Current Account, which is free to run with no monthly fee
- 4Start a full switch with the Current Account Switch Service during the application, and choose the account you are switching from
- 1CASS moves your balance, Direct Debits and standing orders across, then closes your old account
- 2Nothing to do here, the switch service handles it
- 1The account you switched from did not need any Direct Debits. Santander only checks what is on your Santander account, so this is the step where you set them up
- 2Once the switch is complete, move 2 household bills across to your Santander account by telling each provider to take payment from the new account
- 3Pick two of your smaller bills to keep less money parked in the account. Water and mobile are usually lighter than council tax or energy, and all four are eligible
- 4Check each company is named on Santander's household Direct Debit list before you rely on it
- 5Do this as soon as the switch completes rather than leaving it late. Both need to be active when Santander checks on day 60, and a change of paying account can take a billing cycle to take effect
- Both Direct Debits must still be active on the day Santander pays out, not only on the day you meet the criteria
- 1Pay £1,500 into your Santander account, in one payment or several
£1,500 is the total you pay in, not a balance you have to keep. Money going back out again, your Direct Debits included, does not count against it. Don't have it all up front? Pay in £500 from another bank, leave it 24 hours, then move it back out and repeat. 3 rounds of the same £500 counts as the full £1,500.
- 2Leave enough behind to cover your two Direct Debits. If one bounces because you moved the money out, it may not count as active when Santander checks
- 1Open a Santander Regular Saver in your name, or use one you already hold
- 2Move £200 into it from your Santander current account
This is a condition of the switch payment rather than a separate reward. The £200 is your own money and stays yours, and it earns interest while it sits there. Add up the whole offer and you need around £700 of your own money to make it work: £200 of it tied up for about three months, enough left in the current account to cover two bills, and £500 cycled back and forth to reach the £1,500.
- 3Keep the Regular Saver open until Santander pays, because the terms require you to still hold it on the payment date
- 4If you want to keep saving, the Regular Saver takes up to £200 a month from your Santander current account, and each month you pay in also counts towards the £1,500
- Santander requires you to still hold both the Regular Saver and the Everyday Current Account on the day it pays your free cash
- 1Santander checks your account 60 days after you request the switch, then pays within 30 days of that decision
- 2The £240 free cash lands in your Santander account, so roughly 90 days after you started
- 1TopCashback validates the account 90 days after you applied, then pays 4 to 6 weeks after that
- 2Withdraw the £20 from TopCashback once it shows as payable
Member experiences
3 completions (all-time offers)
Quick review
Santander
Wondering whether Santander is worth it beyond the bonus? Here is our honest take.
A familiar high street bank with a proper branch network and a fee-free Everyday Current Account, the account most switch-bonus hunters end up on. Quidsy has £100 cashback through TopCashback on the Santander Stocks and Shares ISA, plus its Regular Saver. Switch bonuses come and go, and we'll list the next one here when it launches.
Chris' verdictYour personal guide, QuidsySantander 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, so there's no monthly fee eating into a switch bonus, and when Santander has one running, Quidsy lists it with the current amount and exactly what you need to do.
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).