Santander UK rates: up to 39.94% EAR
bank · FRN 106054 · www.santander.co.uk
Easy access
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| First Home Saver | Issue 1 · 2 or fewer withdrawals in the calendar month | 4.00% | AER | 2026-11-01 | since 2026-11-01 | |
| First Home Saver | Issue 1 · 3 or more withdrawals in the calendar month | 1.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Limited Access Saver | Issue 9 · 2 or fewer withdrawals in the calendar month | 3.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Limited Access Saver | Issue 9 · 3 or more withdrawals in the calendar month | 1.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Regular Saver closed to new customers | without bonus | 3.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Regular Saver closed to new customers | with 12 month bonus · bonus | 8.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Santander Edge saver closed to new customers | £1 to £4,000 · without bonus | 3.50% | AER | 2026-11-01 | since 2026-11-01 | |
| Santander Edge saver closed to new customers | £1 to £4,000 · with 12 month bonus · bonus | 6.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Easy Access Saver | Issue 31 · 1 year | 2.00% | AER | 2026-11-01 | since 2026-11-01 |
Fixed rate bonds
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Fixed Term Saver | 1 year · interest paid annually · matures 2027-10-01 · fixed | 4.20% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term Saver | 1 year · interest paid monthly · matures 2027-10-01 · fixed | 4.20% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term Saver | 2 year · interest paid annually · matures 2028-10-01 · fixed | 4.40% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term Saver | 2 year · interest paid monthly · matures 2028-10-01 · fixed | 4.40% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term Saver | 3 year · interest paid annually · matures 2029-10-01 · fixed | 4.40% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Term Saver | 3 year · interest paid monthly · matures 2029-10-01 · fixed | 4.40% | AER | 2026-11-01 | since 2026-11-01 |
Cash ISAs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Inheritance ISA | 2.45% | AER | 2026-11-01 | since 2026-11-01 | ||
| Junior ISA | Issue 2 | 2.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Easy Access ISA | Issue 27 · 1 year | 2.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate ISA | 1 year · matures 2027-10-01 · fixed | 4.45% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate ISA | 2 year · matures 2028-10-01 · fixed | 4.45% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate ISA | 3 year · matures 2029-10-01 · fixed | 4.60% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate ISA | 5 year · matures 2031-10-01 · fixed | 4.65% | AER | 2026-11-01 | since 2026-11-01 |
Current accounts
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 123 Mini Current Account | to £999.99 | 1% | AER | 2026-11-01 | since 2026-11-01 | |
| 123 Mini Current Account | from £1000 to £1499.99 | 2% | AER | 2026-11-01 | since 2026-11-01 | |
| 123 Mini Current Account | from £1500 to £2000 | 3% | AER | 2026-11-01 | since 2026-11-01 | |
| 123 Mini Current Account - In Trust | to £999.99 | 1% | AER | 2026-11-01 | since 2026-11-01 | |
| 123 Mini Current Account - In Trust | from £1000 to £1499.99 | 2% | AER | 2026-11-01 | since 2026-11-01 | |
| 123 Mini Current Account - In Trust | from £1500 to £2000 | 3% | AER | 2026-11-01 | since 2026-11-01 | |
| Edge Up current account | from £0.01 to £25000 | 2.10% | AER | 2026-11-01 | since 2026-11-01 | |
| Private current account (v2) | from £0.01 to £25000 | 2.10% | AER | 2026-11-01 | since 2026-11-01 |
Overdrafts
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Choice Current Account | arranged | 29.94% | EAR | 2026-11-01 | since 2026-11-01 | |
| Edge Student current account Yr 1 | interest-free up to £1500 | 0.00% | EAR | 2026-11-01 | since 2026-11-01 | |
| Edge Up current account | arranged | 39.94% | EAR | 2026-11-01 | since 2026-11-01 | |
| Everyday Current Account | arranged | 39.94% | EAR | 2026-11-01 | since 2026-11-01 | |
| Private current account (v2) | arranged | 39.94% | EAR | 2026-11-01 | since 2026-11-01 | |
| Santander Edge Current Account | arranged | 39.94% | EAR | 2026-11-01 | since 2026-11-01 | |
| Santander Edge Explorer current account | arranged | 39.94% | EAR | 2026-11-01 | since 2026-11-01 |
Business loans
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Business Loan | £1000–£50000 · 12 months · fixed | 11.2% | APR | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| openbanking.santander.co.uk/sanuk/external/open-banking/v2.2/personal- | 2026-11-01 12:12 UTC | ok | 0dd09d1304f5 |
| openbanking.santander.co.uk/sanuk/external/open-banking/v2.2/unsecured | 2026-11-01 12:12 UTC | ok | 7fcd9c99a8cd |
| www.santander.co.uk/assets/s3fs-public/AD_documents/Savings_Accounts_I | 2026-11-01 11:41 UTC | ok | 08d3c55d05ed |