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Santander reviews

Santander Logo
Rated Good • 3.94/5

Santander reviews

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 2,645 product reviews

Average score of 3.94/5
5 star
49%
4 star
23%
3 star
8%
2 star
4%
1 star
15%
Reviews for Santander have trended negatively over the past 90 days

Santander's 123 current account is loved for its cashback, interest, and helpful staff, while their Everyday and Basic current accounts get praise for ease of use and solid service. However, mortgages and business accounts often frustrate with slow processes and poor communication. Investment products like Cash ISAs also draw criticism for losses and high fees.

Positive themes

  • Santander 123 current account wins with cashback, interest, and friendly service.
  • Santander Everyday and Basic current accounts are easy to use with good customer service.
  • Santander loans are quick to apply for with competitive rates and good service.

Negative themes

  • Mortgage applications with Santander are slow and poorly communicated causing stress.
  • Santander business accounts suffer from poor service and unexplained account blocks.
  • Santander Cash ISA investments often lose value with high fees and bad support.
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 2645 company reviews • Last reviewed within 7 days

Complaint procedure

123 current account (discontinued) • 1st July 2026

Terrible experience trying to get them to resolve a complaint about a failure of theit system. They have restricted my bank access as a result... Terrible experience trying to get them to resolve a complaint about a failure of theit system. They have restricted my bank access as a result and their complaint team are indifferent and incompetent Read more Read less

{"display":"David Wilson","full_name":"David Wilson","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1690171.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews

We were discriminated against by Santander

Mortgage • 26th June 2026

We came to the end of a 5 year fixed term mortgage with Barclays. We have a LTV ratio of over 60% and perfect credit... We came to the end of a 5 year fixed term mortgage with Barclays. We have a LTV ratio of over 60% and perfect credit scores having never missed a payment. Our mortgage advisor recommended switching to a Santander product, so we applied. They certainly gave us the run around, asking for more and more evidence of income, identity etc, which I found odd given our history, it felt like they were treating us as first time buyers. Then, after months of back and forth they decided to withdraw their offer simply because our household income includes a disability allowance for me as I'm severely disabled. This was pure discrimination. I'm furious that they'd let us pay our mortgage advisor, been through about 4 hours of interviews and sent countless pages of paperwork only to tell us this at the end. So we've been through all of that to stay with out current mortgage provider! Read more Read less

{"display":"Helena","full_name":"Helena","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews
  • 5.00/5

    Everything Brilliant

    Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in... Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or at the end of a phone line to help. Honest advice - discouraged me from having an unnecessary credit card. Offered me home insurance at a much cheaper rate than other companies. Read more Read less

    {"display":"Lorna Ridgers","full_name":"Lorna Ridgers","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    We remortgaged our house.

    We remortgaged our house. The process was very easy. All the information requested was easy to find and made sense, not like other providers. The... We remortgaged our house. The process was very easy. All the information requested was easy to find and made sense, not like other providers. The process was easy because you caould call people for advice. Read more Read less

    {"display":"David Wightman","full_name":"David Wightman","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgage
    David Wightman 14th June 2026
  • 4.00/5

    Average bank, friendly staff

    I find the branch staff friendly

    {"display":"Craig Hopkins","full_name":"Craig Hopkins","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    I've had a credit card with Santander, since the too...

    I've had a credit card with Santander, since the took over from Leicester Building Society. We never had any problems with them and their customer services when contacted are excellent.

    {"display":"Bill","full_name":"Bill","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Good product with competitive rates

    Good product with competitive rates

    {"display":"Paul D","full_name":"Paul D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Paul D 12th June 2026
  • 5.00/5

    Good bank helpful staff very keen to help

    Good bank helpful staff very keen to help

    {"display":"Waine C","full_name":"Waine C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Great balance transfer card with no fee

    I’ve been really pleased with this balance transfer card because it offered a long 0% period with no transfer fee. I find it easy to... I’ve been really pleased with this balance transfer card because it offered a long 0% period with no transfer fee. I find it easy to keep track of my balance and payments on the app. I changed the bank account my direct debit comes out of and it was straightforward to do. Read more Read less

    {"display":"Fiona ","full_name":"Fiona ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4.00/5

    Painless experience because accepted everywhere,

    Painless experience because accepted everywhere,

    {"display":"Marek S","full_name":"Marek S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4.00/5

    I never thought I would vote for Santander but they...

    I never thought I would vote for Santander but they have excelled themselves with the ISA on offer. It is a one year fixed rate... I never thought I would vote for Santander but they have excelled themselves with the ISA on offer. It is a one year fixed rate with an excellent interest rate, far more competitive than they have offered in the past. The only drawback is the amount of interest you lose of you need to close the account, quite a loto more than other financial services. On a positive note, I received a £200 voucher for transferring an ISA from another provider. Read more Read less

    {"display":"Gatters","full_name":"Gatters","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Gatters 11th June 2026

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