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Santander reviews

Santander Logo
Rated Good • 3.77/5

Santander reviews

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Unverified business Last reviewed within 7 days
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  • Has branches you can visit in-person
    Has branches you can visit in-person
  • Provides paperless statements and documents
    Provides paperless statements and documents
  • Offers in-person appointments
    Offers in-person appointments
  • FCA approved and regulated
    FCA approved and regulated

Review summary

People rate this company as Good based on 2,545 product reviews

Average score of 3.77/5
5 star
49%
4 star
24%
3 star
8%
2 star
4%
1 star
15%
Reviews for Santander have trended positively over the past 90 days

Santander’s app and online banking are often praised for being easy to use and reliable, making day-to-day banking straightforward. Many appreciate the cashback rewards on bills and the decent interest rates on savings accounts, which help make the monthly fees worthwhile. Friendly and helpful branch staff also get a mention, though fewer branches remain. On the downside, customers frequently complain about poor customer service, especially long waits on phone lines and unhelpful or rude staff. Account blocks and freezes without clear explanation cause major frustration, as do slow or problematic mortgage and insurance processes. Several warn about issues with investment products losing value and poor claims handling with home insurance.

Positive themes

  • Santander’s app and online banking are easy to use and reliable for everyday banking.
  • Cashback on bills and decent interest rates make Santander’s current accounts worthwhile.
  • Branch staff are friendly and helpful when you need face-to-face support.

Negative themes

  • Customer service is often slow or unhelpful with long waits and poor communication.
  • Accounts get blocked or frozen without clear reasons causing major inconvenience.
  • Mortgage and insurance processes are slow and frustrating with poor claims handling.
Summarised by AI
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About Santander

Santander is a large retail and commercial bank based in the UK and a wholly owned subsidiary of global bank Banco Santander.

Santander’s roots go back to 1849 when the National Freehold Land and Building Society was established. It was aimed at securing voting rights by selling shares and using proceeds to buy land on the outskirts of London.

Products offered by Santander include banking, savings and investment accounts, mortgages, credit cards, insurance and loans.

Santander at a glance

Contact details

Phone
03309 123 123
Email
[email protected]
Social media

Reviews for Santander

Showing 11 of 2545 company reviews • Last reviewed within 7 days

great service

Car insurance • 21st February 2026

sorted out my fathers car insurance...wayne on the other end of the phone couldn't have been more helpful ,by a mile the best experience of... sorted out my fathers car insurance...wayne on the other end of the phone couldn't have been more helpful ,by a mile the best experience of purchasing car insurance i've ever had Read more Read less

{"display":"nick c","full_name":"nick c","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

A modern, responsive bank.

Saver • 20th February 2026

Rates are very competitive, if not the highest. When there are minor issues, I have always found full assistance and problems solving solutions. The app... Rates are very competitive, if not the highest. When there are minor issues, I have always found full assistance and problems solving solutions. The app is amazing, very clear and easy to operate and moving money from one account to another is no effort. Wide choice of alerts, etc. Read more Read less

{"display":"GiovanB","full_name":"GiovanB","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews
  • 5/5

    The bank account has all the features you need witho...

    The bank account has all the features you need without the bells and whistles. It allows for linked savings accounts which makes for managing your... The bank account has all the features you need without the bells and whistles. It allows for linked savings accounts which makes for managing your money really simple. The only feature I would improve would be the direct debit management in the app. You have limited functionality in the app and have to move to the webpage for some of the options. Read more Read less

    {"display":"Lucy M","full_name":"Lucy M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    The account is a good account for anyone and there a...

    The account is a good account for anyone and there are no deductions made for holding the account which is a good thing.

    {"display":"Omoniyi Aihonsu","full_name":"Omoniyi Aihonsu","avatar":{"url":"\/assets\/uploads\/avatars\/users\/647206.png"}}'s avatar
  • 5/5

    15 Years of Hassle-Free Service with Santander

    I’ve had my mortgage with Santander UK for 15 years and couldn’t be happier. I’m currently 2.5 years into a 5-year fixed deal, and everything... I’ve had my mortgage with Santander UK for 15 years and couldn’t be happier. I’m currently 2.5 years into a 5-year fixed deal, and everything has been smooth, transparent, and reliable. Great service, clear communication, and consistently competitive rates. Highly recommended. Read more Read less

    {"display":"JJD","full_name":"JJD","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgage
    JJD 19th February 2026
  • 3/5

    Does what you need

    Basic credit card does what you need

    {"display":"Hayley L","full_name":"Hayley L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    I find staff in branches very friendly

    I find staff in branches very friendly

    {"display":"Craig Hopkins","full_name":"Craig Hopkins","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Good interest rate for credit balances and is accept...

    Good interest rate for credit balances and is accepted abroad

    {"display":"A","full_name":"A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Excellent service

    I've been with Santander for 10 years and have always been really pleased with the products and service. I do telephone banking and the customer... I've been with Santander for 10 years and have always been really pleased with the products and service. I do telephone banking and the customer service staff are very helpful and friendly. Read more Read less

    {"display":"Stella","full_name":"Stella","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Positive experience

    Positive experience opening JUNIOR ISA for child. Good advice and support given

    {"display":"M Roos","full_name":"M Roos","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1332139.png"}}'s avatar
    Junior ISA
    M Roos 25th January 2026
  • 2/5

    Loved the 123 account why did it go?

    Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would... Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most months. Surely a bank should try to make you money, not cost you it. Read more Read less

    {"display":"Karen","full_name":"Karen","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

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