Current Accounts
Compare selected fees, account options and features using information checked against published provider sources.
Information is provided for comparison and does not constitute a recommendation. Features, fees and eligibility can change. Confirm current terms with each provider.
Compare
| Feature | NatWest | Santander |
|---|---|---|
| Monthly fee | £0 | £0 |
| Credit interest | No credit interest confirmed | No credit interest confirmed |
| Arranged overdraft | 39.49% EAR (variable). Representative 39.49% APR (variable) on an assumed £1,200 arranged limit.. Subject to status. | Available subject to assessment. Subject to status. |
| App banking | Yes | Yes |
| Branch access | Yes | Yes |
| Joint account | Yes | Yes |
| Switching offer | £200 switch bonus | £240 switch bonus |
| Minimum monthly pay-in | £1,250 | £1,500 |
Differences
Arranged overdraft
NatWest: 39.49% EAR (variable). Representative 39.49% APR (variable) on an assumed £1,200 arranged limit.. Subject to status.. Santander: Available subject to assessment. Subject to status..
Switching offer
NatWest: £200 switch bonus. Santander: £240 switch bonus.
Minimum monthly pay-in
NatWest: £1,250. Santander: £1,500.
Who this helps
Neutral scenarios only — this is not a recommendation.
You may want to compare these providers if you are deciding between NatWest and Santander for current accounts and want to see selected published fees and features side by side.
NatWest is a major UK high-street bank serving personal and business customers. On WiT Money it appears across credit cards plus business loans, invoice finance and asset finance — making it a full-spectrum option for people and SMEs who want banking and borrowing in one group. Pricing and eligibility vary widely by product; established trading history is typically needed for business facilities.
NatWest profileSantander UK is a major high-street bank offering everyday banking and consumer credit cards, including rewards, balance-transfer and 0% purchase style products for eligible customers. It suits borrowers who want a recognised bank issuer with competitive promotional offers — provided they can repay before residual APRs apply.
Santander profileBefore you choose
FAQs
Details checked 2026-09-13 / 2026-09-13. Canonical URL: https://witmoney.co.uk/compare/current-accounts/natwest-vs-santander.