I switched my personal banking to Santander, initially attracted by the £175 switching offer. My experience since then has been appalling, and I now have... I switched my personal banking to Santander, initially attracted by the £175 switching offer. My experience since then has been appalling, and I now have serious concerns about whether I can rely on Santander to provide me with access to my own money. I have previously spent weeks unable to properly access or use my account, spending hours on telephone calls trying to resolve matters. At points I had to rely on my business banking because I could not reliably access my personal funds. The latest incident has now started affecting my business. My father loaned me £2,000, transferring the money from his Santander current account into my Santander current account. I then attempted to transfer that £2,000 to my business, @mosferics, where it was urgently needed to bridge a cash-flow requirement. Santander stopped the payment for security checks. I have no objection to genuine fraud-prevention measures, but what followed has been extraordinary. I answered numerous questions about a legitimate payment and explained its urgency. I was told the matter would be reviewed. I have subsequently had my Online Banking access blocked and have now been told I must physically attend a Santander branch with my passport and bank card so that the branch can telephone the relevant department. On my latest call I spent 58 minutes trying to resolve this. I asked what would happen if I were abroad and therefore unable to visit a branch. I also asked what would happen if a customer were physically incapable of attending because of illness or injury, or was housebound. I was told a home visit could potentially be arranged if the branch offered that service. That answer concerns me enormously. I have previously experienced severe depression, although thankfully my life today could not be more different: I am mentally and physically well and enjoying life. But my past experience means I understand how overwhelming weeks without reliable access to your own money, hours of telephone calls and uncertainty could be for somebody already in a vulnerable or perilous situation. I have made a formal complaint to Santander (reference 14087679) and requested the recordings/transcripts of my calls through a data access request. I intend to review that evidence carefully and, if necessary, take my complaint to the Financial Ombudsman Service. I am also shortly due to travel abroad. After this experience, I genuinely fear what would happen if Santander restricted my account again while I was outside the UK and unable to comply with a requirement to visit a branch. I understand why banks carry out fraud checks. My complaint is not that Santander asked security questions. It is what happens to a genuine customer after they cooperate with those checks. At present, £2,000 legitimately loaned to me remains unable to reach my business, my Online Banking access is blocked, and my confidence in Santander has been severely damaged. I deeply regret switching. Read more Read less

I've been with Santander life insurance for over 1 year now . Communication is excellent and ive never had any issue since the day I... I've been with Santander life insurance for over 1 year now . Communication is excellent and ive never had any issue since the day I joined them . Their package is great and affordable. Highly recommend!. Read more Read less

Easy to use App & support easily accessed should you need. Offer one of the better transfer rate & fixed interest periods.

The mortgage process was simple enough to sort, however the part I like most is the app that comes with it. I can immediately see... The mortgage process was simple enough to sort, however the part I like most is the app that comes with it. I can immediately see the monthly cost, how much I owe, I'm able to overpay when applicable and I can see other products and get help when I've needed to. It's very simple to use Read more Read less

Very good bank, best app alll easy

Good on line mortgage tool for existing customers to change deal

Good bank with good products. Offer multiple accounts current and savings

Got a remortgage agreed on april 26, house valuation also done april 26 , completion for 1st august 26; they send the mortgage paperwork to... Got a remortgage agreed on april 26, house valuation also done april 26 , completion for 1st august 26; they send the mortgage paperwork to my address (nb 3) and my bank card and log in to another address (nb 33) how is this possible i do not know...My solicitor worked everything the background and told me they are really slow (they still use fax machines). Santander asked me for insurance certificates for insulation in June- i send them all of that. On 11th Aug they asked that again via my solicitor - they need it the valuator to change the report to reflect the certificate i send them. on 11th august they told me it takes 3 days and they will release the funds - 7 days later they still have not got the updated certificate... my solicitor and myself ring them every day for the last 5 days and i get the same excuse "we do not control legal and general" so i guess on 1st sept i will need to pay another variable rate fee on my morgage ... they are a joke Read more Read less

I was robbed of £1650 Santander said we cover fraud up to 100,000 and you got £1650 they said they don't cover many bad banks don't use them