Good4

72% of customers recommended from 3,032 ratings

Santander's success comes from having firm banking principles; a retail banking focus, a prudent approach to lending, sensible capital ratios and spreading risk across geographical areas. In 2008 they were the world's third most profitable bank. Santander is already helping millions of customers in the UK through branches of Abbey, Bradford & Bingley and Alliance & Leicester. With such solid foundations, customers of Santander can be confident their money is in safe hands.

Santander Savings

Read customer opinions on Santander Savings reviews.

Investment ISAs are tax-efficient wrappers for long term investments. You may get back less than you pay in because your capital isn't guaranteed and charges may apply. Your personal circumstances will determine how much tax you pay on your investments and returns; tax laws may change.

Santander 123 Mini Account (in Trust) Ex/C
Account Type
Instant Access
Open With
£1.00
Interest Rate (AER)
3% variable
on £300+
Protection Scheme
FSCS
Open Account
Branch
Available in branch only.
Santander 2 Year Fixed Rate ISA (123) Ex/C
Account Type
Cash ISA
Open With
£500.00
Interest Rate (AER)
1.7% fixed
for 2 years (01 Jan 2017)
on £500+
Protection Scheme
FSCS
Open Account
Online, Branch & Phone
Santander 2 Year Fixed Rate Bond Ex/C
Account Type
Fixed Bond
Open With
£500.00
Interest Rate (AER)
1.7% fixed
for 2 years (01 Jan 2017)
on £500+
Protection Scheme
FSCS
Open Account
Online, Branch & Phone

Santander Current Accounts

Read customer opinions on Santander Current Accounts reviews.

Santander Everyday Current Account
Account Fee & Requirements
No monthly fee
Overdraft
£1.00/day
(£12 buffer)
Headline Interest
0% AER
Representative Example: 0% EAR (variable) Arranged Overdraft. No Daily Arranged Overdraft Fee for the first four months. Then £1 per day capped at 20 days each monthly statement period applies thereafter. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.
Santander 123 Current Account
Account Fee & Requirements
£2 a month
pay in £500+ a month
Overdraft
£1.00/day
(£12 buffer)
Headline Interest
3% AER
(£3,000 to £20,000)
Cashback and interest paid every month, every year. Independently rated 5 star by Defaqto and Best UK Bank by Euromoney
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged £1.00 per day.
Santander 123 Mini Current Account
Account Fee & Requirements
No monthly fee
Overdraft
-
Headline Interest
3% AER
(£300 to £2,000)
Flexible and adaptable banking, in a safe and controlled way. The 123 Mini Current Account is designed to provide a safe environment to learn money management and take the first steps towards financial responsibility for those aged between 11 and 18.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Santander Credit Cards

Read customer opinions on Santander Credit Cards reviews.

Santander Credit Card
Balance Transfers
0% for 15 months
Purchases
0% for 15 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Santander 123 Credit Card
Balance Transfers
0% for 23 months
Purchases
0% for 23 months
Representative APR (variable)
16.5% APR
Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 16.5% APR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Santander Mortgages

Read customer opinions on Santander Mortgages reviews.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Santander 2 Year BBR+1.29%
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Santander 2 Year BBR+1.29% + Cashback
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.29% Remortgage + Cashback
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
3.6% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.

Santander Loans

Read customer opinions on Santander Loans reviews.

Santander Branch Loan 123 Ex/C
Loan Type
Unsecured
Loan Amount
£1,000 to £20,000
Representative APR
4.2% APR
(£7,500 to £20,000)
Loan Term
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 4.2% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.2% p.a. (fixed) you will repay £226.33 per month & £10,863.84 in total.
Santander Telephone Loan 123 Ex/C
Loan Type
Unsecured
Loan Amount
£1,000 to £20,000
Representative APR
4.2% APR
(£7,500 to £20,000)
Loan Term
1 year to 5 years
Available to existing customers only.
Representative Example: The Representative APR is 4.5% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £226.33 per month & £10,863.84 in total.
Santander Internet Loan
Loan Type
Unsecured
Loan Amount
£1,000 to £20,000
Representative APR
4.5% APR
(£7,500 to £20,000)
Loan Term
1 year to 5 years
You must have a direct debit facility.
Representative Example: The Representative APR is 4.5% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total.

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Santander Reviews

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Used Santander? Tell us about your experience because it will help others. Add a review.

Happy in general

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

What I have is no longer available due to problems caused for some savers by advice given and since then things have changed a lot. I have gained on my savings which was a pleasant surprise. Not sure what ways to save are available now but I think they're less risky than they used to be so if anyone wants to go for it then do

Gained on savings

Product no longer available due to risks involved

by hannahlw85, 3 weeks ago report review

Saving with Santander

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by jamesdunnmusic

I was never good at saving but with Santander they showed me what I could do with a savings account. Save for the future, save a for rainy day. The customer service over the phone and in the branch is always 100% the best. I will always use Santander as I believe there products and services are the best. I've since been able to save thanks to the wonderful people at Santander.

Great customer service and productions

by jamesdunnmusic, 3 weeks ago report review

Current account.

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

I switched with high expectations, but the transfer was difficult, payment were missed, I incurred missed payment fees, and I never received my £100 switching fee. They even convinced me to put money in a high interest account, for a very short period, which was no help what so ever. Since then things have settled, on-line banking ok, but service used is pretty minimal. No interest, and no products used. I am considering moving account now that transferring is easier.

by sandrad82, 1 week ago report review

Ok but better out there

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

When my bank transferred to Santander my rent mandate was out in at completely the wrong amount and nearly made me lose my home, and they also caused me issues with all my Direct debits, the customer service at the time was appaling. Don't expect them to be sympathetic with any issues caused by them or sort it out at any speed. I'd say to anyone to not bother with them

Make money from you're income

Expensive charges compared to other banks, cause problems with direct

by hannahlw85, 3 weeks ago report review

Current Account not Raisen Accounts

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by jamesdunnmusic

I've been with Santander for a long time, a very long time. They are a great company with superb customer service. My current account bank card was eaten by a cash machine in Barcelona. I immediately phone Santander and the woman I spoke to kept me calm and assured me everything would be ok, and they even offered to send me money if I needed it. Which I didn't. I will always stay with Santander because of the customer service. I think you're thinking of applying then phone them, they're always there to help

Amazing customer service

by jamesdunnmusic, 3 weeks ago report review

Santander Savings account

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by colli50

Easy to set up the account and in combination with a Santander current account you can instantly transfer money from one account to the other. If you transfer too little or too large an amount you can instantly transfer the excess/extra back to either account. Never had any problems with both Internet access and using tha app on my mobile phone.

Instant access and transfer to current account

Like all savings accounts at the moment low interest rates

by colli50, 3 weeks ago report review

Santander Everyday Current Account

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

I give Santander a much lower rating for their Everyday Current Account than I give for their other accounts because it no longer seems to be good value for money. I have held this account for a very long time, hence it is too much work to close it completely so I keep it open and simply move any money out of it as soon as it comes in. The good thing about it is that it does not charge a monthly fee to run, so it does not cost anything, but it gives virtually no interest, so it is much better to have money paid in either to the Santander 1-2-3 account or to another bank. So I would not recommend this account to anyone, unless they keep very little money in it.

It costs nothing to run

very low interest rate

by pwalker65, 3 weeks ago report review

Massively Improved Customer service with a smile.

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by davy1b

In the past few years Santander's customer service record has been very poor (from personal experience) Now they have definitely turned things around, full circle. They take time to sort out any problems with your account and follow through from start to finish. 100 per cent improvement from a year ago. The staff in the local branch are very attentive and pleasant to deal with.

improved customer service

online banking issues

by davy1b, 1 week ago report review

Multiply your accounts to multiply your benefits.

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by rochja

Although a current account with all the usual protections and facilities, this is also the best way of maximising return on savings up to [for a couple] £60000. 3% interest for sums between 1K and 20K is just about unbeatable. Factor in the additional cashback savings on, for instance, fuel, mortgage payments and direct debit mandates and the benefit will be significant. There are of course internet banking facilities which are backed by a large high street presnce made larger by the amalgamation of 3 brands.

by rochja, 1 week ago report review

Average but customer service could be improved!

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

I have been with Santander for a few years and have not had any major problems with them although I have had to call customer services a few times and it can sometimes be very busy so takes a while to get through! On a couple of occasions I have found the customer service advisers to be quite rude and aburpt and can take a while to resolve your query.

by sophie58, 3 weeks ago report review