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SANTANDER PREFERRED IN-CREDIT RATE ACCOUNT
Santander Preferred In-Credit Rate Account (Current Account)
        
Receive 100 cash back when you switch to this Santander bank account as well as an impressive interest rate of 5% AER fixed for 12 months from account opening, on balances up to 2,500 when you pay in 1,000 per month. Online banking available.
Location: UK
Account Name: Santander Preferred In-Credit Rate Account
Advantages:
1. You'll earn the impressive 5% AER (fixed) for the first 12 months from account opening, on balances up to 2,500 when you pay in 1,000 per month.
2. 100 cashback when you switch your main current account to Santander using our dedicated switching service and pay in at least 1,000 a month.
3. They will match your overdraft up to 5,000
Disadvantages:
1. We'll look to give you a 0% EAR typical overdraft for the first four months, to help you through the switching process.
2. After the first 4 months the overdraft rate will be 19.9% EAR (variable)
3. No interest on any amount over 2,500, or on the whole balance if the required monthly credits are not made. After 12 months the rate changes to 1.00% gross/AER (variable) on balances up to 2,500.
Services:
1. Dedicated switching service on hand to make the whole process hassle free

Interest AER: 5% (12 Months)Interest Gross: 5% (12 Months)
Interest Paid: DailyMinimum Income: 0
Overdraft Rate: 0% (4 months) 19% EAR (variable)
Banking Charges: Daily Arranged Overdraft Fee will be 50p per day
Service Charges: 0
Account Access: Online, Branch, Tel
Withdrawal Access: Online, Branch, ATM

Free Banking: YesDebit Card: Yes
Cheque Guarantee Card: YesStanding Orders: No
Direct Debits: NoOverdraft Facility: Yes
Account Manager: No

Conditions:
You must be at least 18 years old
Features:
1. Access to your account 24 hours a day with our internet and phone banking service.
2.Access to over 1,300 Santander branches.
Introductions and Offers:
1. 100: for new customers who switch their main current account to a Santander Preferred Current Account.
2. 200: for existing Santander mortgage customers who switch their main current account to a Santander Preferred Current Account. Please note that the customer must hold a residential mortgage on 31/12/11 and the mortgage must not be in arrears.
3. 300: for existing Santander mortgage customers who have or can deposit at least 10,000 in Santander savings and switch their main current account to a Santander Preferred Current Account. Please note the customer must hold or deposit at least 10,000 in Santander savings within 13 weeks of the current account opening date and still be held exactly 13 weeks after current account opening.
Terms and Conditions:
100 offer: You are not eligible for this offer if you currently hold, or have held in the past three months, any Santander UK, Alliance & Leicester, cahoot and Cater Allen current account.
        

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