Santander Edge Explorer Debit Card Review 2026

How you earn

Up to £20/month cashback (1% on bills and 1% on supermarket/travel) plus worldwide family travel, phone and UK/Europe breakdown cover.

• 1% on eligible bills (Direct Debit) and 1% on eligible supermarket/travel card spend.
• Earns 1% on UK spend and 0% abroad.
• Household bills by Direct Debit.
• UK supermarket and travel debit-card spend (fuel, train and bus tickets, EV charging).
• Worldwide family travel, phone and UK/Europe breakdown cover, 24/7 GP, up to £20/month cashback, and fee-free spending and withdrawals abroad.
• £204/year — cashback alone cannot cover the fee. Apply by age 73.

Using it abroad

No Santander fee on debit card payments or cash withdrawals in local currency outside the UK (0% conversion fee) from 3 working days after opening.

• 2.95% applies in those first 3 days and is not refunded. Mastercard rate. Local ATM operators may charge. Free CHAPS and international payments from this account (other banks may still charge).
• Insurance ends at 75. 2.95% FX fee for the first 3 working days. Not the same product as the £3/month Santander Edge account already on the travel page.

Who can apply

No minimum pay-in. The £17 fee is taken every month even if you do not use the benefits.

What else you get

1% cashback on eligible household bills paid by Direct Debit (capped £10 a month) plus 1% on eligible UK supermarket and travel debit-card spend (capped £10 a month) — up to £20 cashback against a £17 fee — plus worldwide family travel insurance, UK & European breakdown cover, worldwide family phone insurance and a 24/7 virtual GP.

• £10/month cap on bill cashback and a separate £10/month cap on supermarket/travel card cashback — £20/month combined. Insurance has age limits (cover ends at 75) and upgrade charges for pre-existing conditions. One Edge Explorer account per person, sole or joint.
• Worldwide family travel insurance (Chubb, winter sports included, Cuba excluded).
• UK & European breakdown cover (Allianz Assistance).
• Worldwide family mobile phone insurance (Aviva / Likewize, up to four claims a year).
• 24/7 virtual GP in the UK (Teladoc via Chubb).
• Access to Edge Saver (bonus rate on the first £4,000 for 12 months — check the live saver rate).
• UK residents aged 18–73. Joint holders must live at the same UK address and pay one £17 fee. Cover for the account holder and eligible family ends at 75. Distinct from the cheaper Santander Edge current account (£3/month, no insurance package).