The student bank account that makes life a little easier
Win up to 3 years’ worth of tuition fees with a Santander Edge Student current account
- 20 students will each win £27,750
- 30 students will each win £9,250
Open a Santander Edge Student current account and pay in £500 between 15 July – 30 September 2024.
Read more about this prize draw T&Cs apply.
OurSantander Edge Student current accountcomes with
Free 4-year Santander 16-25 Railcard worth £100
Saving you 1/3 on rail travel in Great Britain
Interest-free arranged overdraft
An interest-free arranged overdraft of £1,500 in years 1-3 and up to £2,000 by year 5.An overdraft is for short term borrowing. Subject to status – see our 'Overdrafts and charges' section below
Travel benefits
No fees for using Santander cash machines when you travel
Secure Mobile Banking
Freeze your card, block online transactions, view your PIN or card details and much more with our Mobile Banking app
Santander Boosts
Get cashback, vouchers, prize draws and personalised offers with our free rewards service
How it works
You’re 18 or over and live in the UK permanently
You’re about to begin or have started an undergraduate course or a level 4-7 apprenticeship, that is at least 2 years in length. If you’re about to begin your course, you must have an ‘unconditional’ or ‘confirmed conditional’ offer (i.e. you have your exam results) before you apply
You pay in at least £500 into your account every 4 months
If you already have a Santander current account, you'll need to transfer it
This is a paper-free account – learn more in ‘Key documents and account information'
You'll need proof of study to apply
Transfer my existing Santander account Apply
Proof of study
You can use your UCAS 4-digit status code as proof of study in your application. You can find your code by logging onto UCAS.
If you didn’t apply for university through UCAS, or are studying an apprenticeship you can provide a:
- student ID card
- letter from your higher education provider, or
- apprenticeship confirmation from your university or employer.
Access to our Regular Saver
Available to all our current account customers, our Regular Saver will help you build your savings. Get 5.00% AER/gross fixed for the first 12 months when you pay in up to £200 a month.
My Money Manager
If you’re trying to be better with your money, My Money Manager is designed with you in mind. Our mobile banking app lets you get tailored insights into how you spend.
Switch to Santander
Choose to switch to us when you apply, or any time after opening a Santander account. We’ll do the hard work, like closing your old account and moving payments. Switching to us is simple, reliable and stress-free.
Account details
Account fee
There’s no monthly fee to maintain the account.
The Fee Information Document (PDF - 119 KB) details the main fees and charges on this account. For further explanation of our main terms and services take a look at our Glossary
Arranged overdraft
An arranged overdraft is borrowing through your current account. This is a short-term borrowing method. It can give you a bit of extra money for urgent, unexpected costs that might come up.
Overdrafts depend on your circ*mstances and you must repay any overdraft when we ask in line with our General Terms and Conditions. We may ask you to repay all or part of your overdraft at any time but we'll try to notify you of this in advance. For more information on overdrafts click here
An arranged overdraft is when we let you borrow up to a pre-agreed limit – you can ask for one when you open your account or at any other time.
An unarranged overdraft occurs when your account goes overdrawn without an arranged overdraft in place or if your account goes over your arranged overdraft limit.
When you try to make a payment that would take you into an unarranged overdraft, we make the decision whether to allow or reject the payment based on your individual circ*mstances. If we allow a payment, it will take you into an unarranged overdraft. We don’t charge fees for allowing or refusing a payment due to lack of funds.
Our cost calculator helps you understand the costs associated with using an overdraft facility.
How much will it cost?
When you open your account you’ll get an arranged overdraft limit of £250. To increase this to £1,500 you’ll need to:
- register for Online Banking
- pay in £500 and continue to pay in at least £500 into your account every 4 months
- we’ll automatically increase your overdraft limit as shown below at the start of each year of study. You can ask to reduce the limit at any time.
Year of study | arranged overdraft limit |
---|---|
Years of study1, 2 and 3 | £1,500 arranged overdraft limit |
Year of study 4 | £1,800 arranged overdraft limit |
Year of study5 | £2,000 arranged overdraft limit |
Overdraft
The table below shows you how you’ll be charged for using your overdraft.
How does our overdraft compare? The purpose of a representative APR is to enable customers to compare the costs associated with different credit products.
Arranged overdraft interest and charges | Representative 0% APR/ EAR (variable) |
---|---|
Unarranged overdraft interest and charges | Representative 0% APR/ EAR (variable) |
Overdrafts depend on your circ*mstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.
Overdraft alerts
You’ll be automatically set up to receive text alerts when:
- your account makes or may make use of an unarranged overdraft
- you have regular payments due on your account and you don’t have the funds to cover them
- where a payment is refused as you don’t have enough funds.
You’ll also be automatically set up to receive an alert when your account goes further into arranged overdraft which may cause the cost to increase.
We’ll send the alerts before your account is charged so that you have plenty of time to pay in money and either avoid or reduce overdraft charges. If we don’t have a valid mobile number for you, we might not be able to reach you.
You can also register for other account alerts to help you to stay on top of your finances. For example, alerts to advise you when your balance has fallen below a set limit, or you have had a deposit into your account greater than a set amount.
For more information visit account alerts
You can manage your alerts settings at any time by using Online Banking. If you require further support please contact us or visit your local branch
If you need support with managing your money or if you’re in debt, please visit our money worries page for further support.
Tips for using your overdraft:
- keep track of your spending through Online or Mobile banking
- don’t go over your arranged overdraft limit
- stay up-to-date with any changes to your current account or overdraft, including fees
- remember that anything you spend from your overdraft will need to be paid back
You’ll get a free Santander 16-25 Railcard which could save you 1/3 on rail travel in Great Britain letting you travel all over England, Scotland and Wales for less. The Santander 16-25 Railcard also gives you access to exclusive deals on holidays, eating out, top attractions and more.
How to get your 16-25 Railcard
- Once you’ve opened your Santander Edge Student current accountandregistered for Online Banking, a unique code will be sent by secure message to your Online Banking within 5 working days of account opening.
- Use the unique code atour railcard websiteto order your free 16-25 Railcard.
- Your unique code is valid for 60 days from the date of issue and cannot be re-issued once expired.
- You can choose to have a digital or a plastic Railcard when you order it.
If you choose a digital Santander 16-25 Railcard, you can use it straight away. You’ll get a code and instructions on how to download it on your phone. Rail Delivery Group will send this to the email you registered with on the Railcard website.
If you choose a plastic Railcard, you’ll get it in the post within 5 working days.
For more information on the Santander 16-25 Railcard take a look at theRail Delivery GroupFAQs page.
We won't charge you when you use yourSantander Edge Student current account debit card to make withdrawals at Santander cash machines abroad. You'll find our cash machines in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay, and the USA. Make sure you choose to pay in the local currency to avoid being charged any other fees.
Key documents
- Santander Edge Student current account Key Facts Document (PDF - 618 KB)
- Santander Edge Student current account Fee Information Document (PDF - 119 KB)
- Santander 16-25 Railcard Terms and Conditions
- Santander Edge Grad current account Key Facts Document (PDF - 608 KB)
To view these documents you may need to download Adobe Reader
You can apply if
- You’re 18 or over
- You live in the UK for tax purposes
- You’re about to begin or have startedan undergraduate course, or degree-level apprenticeship(level 4-7)that is at least 2 years in length.
If you're about to begin your university studies, you must have a ‘confirmed conditional’ offer (this is given once you have received your results) or an ‘unconditional’ offer of a university place. If you have a conditional offer only, please wait until your place has been confirmed following your results before applying.
If you're about to begin an apprenticeship, your place on the apprenticeship must have been confirmed. If your offer is subject to you achieving certain results, please wait until your place has been confirmed following your results before applying.
You can use your UCAS 4-digit status code as proof of study in your application. You can find your code by logging onto UCAS.
If you didn’t apply for university through UCAS, or are studying an apprenticeship you can provide:
- a student ID card
- a letter from your higher education provider, or
- an apprenticeship confirmation from your university or employer.
Santander Boosts
Get rewards to give you a little boost when you bank with us.
Just sign up for Santander Boosts through your Mobile Banking app or in Online Banking and then you’ll be able to choose the offers you like and earn rewards with your favourite retailers.
- Earn cashback when you shop online at a wide range of retailers
- Receive vouchers and coupons for discounts on a variety of products and services
- Get offers personalised to your individual interests and hobbies
- Enjoy free gifts and enter prize draws
Ways to bank with us
You can access theSantander Edge Student current account anytime, anywhere.
- Online Banking
- Mobile Banking
- Get personalised spend insights with My Money Manager
- Contactless payments with your mobile by linking your Santander debit or credit card to yourApple,AndroidorSamsungdevice.
Face-to-face support in branch and UK-based telephone support:
- In branch
- Telephone Banking
- ATM
- Post Officeto make withdrawals, balance enquiries, cash deposits and cheque deposits
Paper-free
This is a paper-free account which means:
- Your documents, statements and some of your letters will be sent as e-Documents to your secure inbox on Online Banking (unless you require documents in an alternative format, such as Braille).
- You'll need to provide us with an email address when you open the account as we’ll send you an email to let you know when a document is ready to view.
- Once the account has been open for at least 24 hours, you can update your account settings at any time to start receiving statements and other correspondence by post.
Security
Keep your banking details private and secure.
For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit ourSecurity Centre
Apprenticeships
As your course period may not match a standard university academic year, you may find that your overdraft limit changes earlier than expected in line with the account’s overdraft structure and that your account may move to theSantander Edge Grad current account before you finish your course.
At the end of your course
Your account will automatically transfer to our Santander Edge Grad current account Key Facts Document (PDF - 608 KB)at the end of your course.
If you have a 1|2|3 Mini Current Account and are in, or going into your first year of study on an undergraduate course, you can change your account online. You must be able to provide your UCAS 4-digit status code.
If you have a different current account, or don’t have a UCAS code because you’re doing a level 4-7 apprenticeship, or you’d like any more help, you can change your account in one of our branches. You may need to book an appointment
How can we help you?
Report a lost, stolen or damaged card
Help with OnlineBanking
Help withMobile Banking
Santander Boosts
How to update your contact details
Using your debit card outside the UK
Bereavement support
Money worries
Visit help and support
Need to report a lost, stolen or damaged card?
The easiest way for you to report your card as lost, stolen or damaged is through our mobile banking app. Simply log on to the app, click ‘More’, then ‘Manage my cards’ and select the card you want to report. Click ‘Report as lost, stolen or damaged’.
Alternatively, if you think you’ve misplaced your card, you can freeze and unfreeze it in the mobile app instead of cancelling it right away.
Chat with us
You can also report your card as lost, stolen or damaged by speaking to our digital assistant Sandi, available 24/7. Just log on to your mobile banking app, choose ‘More’, ‘Help and contact’, then ‘Need help? Chat with Sandi 24/7’. You can also ask Sandi in Online Banking
Please see our lost, stolen or damaged cards page for more information.
If you'd like more support, please visit our contact us page.
Student life and money management
Hints and tips to help make student life a little easier.
Our student life and money management hub has savings and budgeting tips, making money at uni and much more.
Digital banking with us
Whether that’s via Online Banking or our Mobile Banking app, we offer a secure way to access and manage your banking needs 24/7.
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Information correct as at 14 August 2024.