Predictika · Business banking quotes

An AI sales agent's business current account quote, checked before it goes out

An AI sales agent prepares a monthly charges quote for a small business opening the Santander UK Business Current Account (Classic): the monthly fee and any no-fee offer, cash and cheque volumes, and an optional overdraft. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published tariff and conditions and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: Santander UK Business Current Account (Classic) quotes: monthly fee and 12-month start-up and switcher offers, cash and cheque charges, optional overdraft, eligibility and the stated monthly total. See everything this validator covers

This validator models monthly charges quotes for the Business Current Account (Classic) as published on the Santander UK page for that account (read October 5, 2026), not just the scenarios shown below.

  • Monthly fee and offers — £9.99 a month, with no monthly fee for the first 12 months for a start-up (a business in its first year of trading with this as its first business current account with the bank) or for a switcher. The offer is blocked after month 12, and the start-up conditions are checked.
  • Cash and cheque charges — no charge for the first £1,000 a month paid in at Santander cash machines, then £1.25 per £100; £1.25 per £100 for deposits and withdrawals at counters; £0.70 per cheque paid in; free withdrawals at Santander cash machines. All are added into a line-item quote and compared with the monthly total the agent states.
  • Overdraft and eligibility — an optional overdraft of £500 to £25,000 with an annual arrangement fee of 1.75% of the agreed overdraft (minimum £100) is subject to acceptance, so it goes to a person. A declared bankruptcy, disqualified director status within the last 6 years or Individual Voluntary Arrangement history blocks the quote.

Any quote for this account that touches these rules is in scope — not only the scenarios pictured here. Not covered: other Santander business accounts, CHAPS, foreign currency and other payments charges, change-giving, partner offers, the credit assessment itself, interest on borrowing and taxes. Assumptions: cash amounts are entered in whole hundreds of pounds because the tariff prices cash per £100; the overdraft arrangement fee is shown as an annual figure and is not part of the monthly total; the switcher offer is taken as stated, because the quote has no way to confirm where the business switched from.

The AI sales agentBuilds the business current account quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
Click to expand
    
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A fee that is waived for the first 12 months only under conditionsOnly with care
A rule per offer for the month count, the trading age and the first-account condition; it works, but the conditions sit on different fields and a quote can carry the offer after it has ended.		The offer, the month of the account and the start-up conditions are evaluated together and the fee the quote should show is computed from them.
Charges that apply only above an allowanceOnly with care
A price rule for the first £1,000 at cash machines and another for the excess; it works, but each volume has its own unit, and the arithmetic has to be kept in step with the tariff.		The allowance is subtracted, each volume is priced, and the lines are added into one total.
A stated total that has to match the computed totalOnly with care
The rep types the total; a validation rule can compare it, but only if every charge rule has already run.		The stated total is compared with the computed total in the same pass as every other rule.
An overdraft that is subject to acceptanceOnly with workarounds
There is no rule that decides acceptance, so the quote usually goes out and the approval is left to a later step.		The overdraft range is checked and the request is held for a person to confirm.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
Click to expand
    
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote applies a no-monthly-fee offer in month 13 of the account; the offer covers the first 12 months.
2The start-up offer is for a business in its first year of trading; the quote shows 13 months of trading.
3The start-up offer is for a first business current account with the bank; this is not the business first account.
4The quote states monthly charges of £89.74; the published tariff gives £79.75.
5The quote states monthly charges of £89.73; the published tariff gives £89.74.
6The quote states monthly charges of £96.74; the published tariff gives £89.74.
7An overdraft is subject to acceptance by the bank, so a person should confirm it.
8An overdraft of £400 is outside the £500 to £25,000 range.
9An overdraft of £25,100 is outside the £500 to £25,000 range.
10The account requires no bankruptcy declarations; the applicant has one.
11The account requires no disqualified director status within the last 6 years; the applicant has one.
12The account requires no Individual Voluntary Arrangement history; the applicant has one.
13The quote states monthly charges of £0.00; the published tariff gives £89.74.
14The quote applies a no-monthly-fee offer in month 14 of the account; the offer covers the first 12 months.
15The start-up offer is for a business in its first year of trading; the quote shows 20 months of trading.
16An overdraft of £30,000 is outside the £500 to £25,000 range.
17The quote states monthly charges of £1.00; the published tariff gives £89.74.

  

  

    
Scenarios and results
Click to expand
    
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Overdraft: Overdraft of £30,000 with a total that leaves out the cash and cheque charges

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 5 of the account. It expects £6,000 paid in at Santander cash machines, £2,500 paid in at counters and £1,000 withdrawn at counters each month, and 80 cheques paid in. The customer also wants an overdraft of £30,000. The quote states monthly charges of £9.99. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states monthly charges of £9.99; the published tariff gives £172.24.
    • 
      
  • Overdraft outside the available range. An overdraft of £30,000 is outside the £500 to £25,000 range.
    • 
      
  • Overdraft subject to acceptance. An overdraft is subject to acceptance by the bank, so a person should confirm it.
    • 
    

    
2. Overdraft: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 5 of the account. It expects £6,000 paid in at Santander cash machines, £2,500 paid in at counters and £1,000 withdrawn at counters each month, and 80 cheques paid in. The customer also wants an overdraft of £15,000. The quote states monthly charges of £9.99. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states monthly charges of £9.99; the published tariff gives £172.24.
    • 
      
  • Overdraft subject to acceptance. An overdraft is subject to acceptance by the bank, so a person should confirm it.
    • 
    

    
3. Overdraft: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 5 of the account. It expects £6,000 paid in at Santander cash machines, £2,500 paid in at counters and £1,000 withdrawn at counters each month, and 80 cheques paid in. The quote states monthly charges of £172.24. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Charges summary. Monthly charges £172.24 (monthly fee £9.99, cash charges £106.25, cheque charges £56.00); overdraft arrangement fee £0.00 a year.
    • 
    

    
4. Start-up offer: Start-up offer for a business 20 months into trading, with the monthly fee left out of the total

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 1 of the account, applying the start-up offer for a business with 20 months of trading. It expects £4,000 paid in at Santander cash machines, £1,200 paid in at counters and £500 withdrawn at counters each month, and 30 cheques paid in. The quote states monthly charges of £79.75. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states monthly charges of £79.75; the published tariff gives £89.74.
    • 
      
  • Start-up offer needs a first year of trading. The start-up offer is for a business in its first year of trading; the quote shows 20 months of trading.
    • 
    

    
5. Start-up offer: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 1 of the account, applying the switcher offer. It expects £4,000 paid in at Santander cash machines, £1,200 paid in at counters and £500 withdrawn at counters each month, and 30 cheques paid in. The quote states monthly charges of £79.75. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Charges summary. Monthly charges £79.75 (monthly fee £0.00, cash charges £58.75, cheque charges £21.00); overdraft arrangement fee £0.00 a year.
    • 
    

    
6. Cash and cheque charges: Large cash and cheque volumes with the cheque charges left out of the total

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 9 of the account. It expects £8,000 paid in at Santander cash machines, £3,000 paid in at counters and £2,000 withdrawn at counters each month, and 120 cheques paid in. The quote states monthly charges of £159.99. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly total does not match. The quote states monthly charges of £159.99; the published tariff gives £243.99.
    • 
    

    
7. Cash and cheque charges: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Santander Business Current Account (Classic) for a small business in month 9 of the account. It expects £8,000 paid in at Santander cash machines, £3,000 paid in at counters and £2,000 withdrawn at counters each month, and 120 cheques paid in. The quote states monthly charges of £243.99. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Charges summary. Monthly charges £243.99 (monthly fee £9.99, cash charges £150.00, cheque charges £84.00); overdraft arrangement fee £0.00 a year.
    • 
    

  

  

    
Narration transcript
Click to expand
    
The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a monthly charges quote for a small business opening the Santander UK Business Current Account (Classic): the monthly fee and any no-fee offer, cash and cheque volumes, an optional overdraft. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published tariff and conditions and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote the Santander Business Current Account (Classic) for a small business in month 5 of the account. It expects £6,000 paid in at Santander cash machines, £2,500 paid in at counters and £1,000 withdrawn at counters each month, and 80 cheques paid in. The rest of the request is on screen. The quote states monthly charges of £9.99.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with two findings and one approval, all in one answer. The quote states monthly charges of £9.99; the published tariff gives £172.24. An overdraft of £30,000 is outside the £500 to £25,000 range.
    6. 
      
  6. The validator returned two blocking findings and one approval in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
    7. 
      
  7. What this shows: for a stated total that has to match the computed total, a rules-based CPQ is error-prone for this.
    8. 
      
  8. Now the agent resubmits.
    9. 
      
  9. The corrected request. It changes the overdraft requested to £15,000.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. Still blocked, with one finding and one approval, all in one answer. The quote states monthly charges of £9.99; the published tariff gives £172.24.
    12. 
      
  12. One finding cleared; still blocked on stated monthly total does not match.
    13. 
      
  13. The agent resubmits once more.
    14. 
      
  14. The revised request. It changes the stated monthly charges to £172.24. It removes the overdraft requested.
    15. 
      
  15. It calls the validator once more.
    16. 
      
  16. This time the validator clears it.
    17. 
      
  17. The validator also returns the line-item quote. It starts with Business Current Account (Classic) monthly fee and Paid in at Santander cash machines above the first £1,000 (per £100); the other three lines are on screen.
    18. 
      
  18. Both earlier findings are cleared, and the validator's total, £172.24, matches the quote.
    19. 
      
  19. Three problems caught in one call, fixed in two passes, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    20.