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Santander reviews

Santander Logo
Rated Good 3.82/5

Santander reviews

Unverified business Last reviewed within 7 days
  • 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 2,613 product reviews

Average score of 3.82/5
5 star
49%
4 star
24%
3 star
8%
2 star
4%
1 star
15%
Reviews for Santander have trended negatively 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 2613 company reviews Last reviewed within 7 days

I have been with Santander for over 15 years.

Everyday Current Account 17th April 2026

I have been with Santander for over 15 years. Never had an issue once with them. When the branches were open near me - you... I have been with Santander for over 15 years. Never had an issue once with them. When the branches were open near me - you always got a lovely welcome by the staff, always helpful,polite and professional, nothing is too much trouble Read more Read less

Rated Excellent 5/5
Read more product reviews

Local branches are shutting.

Everyday Current Account 17th April 2026

Have found local branches are shutting. Am aware I mostly do my banking on-line, yet have to now go to Glasgow if I need to speak to a branch member.

Rated Good 4/5
Read more product reviews
  • 4/5

    Good telephone banking.

    Good telephone banking. Easy to use online banking. Easy to make bank transfers. Good online statements.

  • 5/5

    Quick and straightforward to open the account.

    Quick and straightforward to set up the account. Competitive interest rate. Unfortunately, the provider for an existing ISA that I wished to transfer was not... Quick and straightforward to set up the account. Competitive interest rate. Unfortunately, the provider for an existing ISA that I wished to transfer was not on Satander's drop-down list to select upon opeining the account, but I was able to transfer by submitting a form by post instead (no need to visit a branch!). Read more Read less

    {"display":"NeonKnight","full_name":"NeonKnight","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    NeonKnight 16th April 2026
  • 2/5

    The current account does everything you need it too...

    The current account does everything you need it too the main issue is the complete lack of people available to see in branch. By the... The current account does everything you need it too the main issue is the complete lack of people available to see in branch. By the time you have commuted to the nearest branch (you will probably need your pasaport) you are usually met by someone trying to get you to use a machine after you have already quid for 5 minutes. Read more Read less

  • 2/5

    The app is usefull it can be a bit confusing though.

    The app is usefull it can be a bit confusing though. The main issue with the saver is the frankly dreadful interest rate. It is... The app is usefull it can be a bit confusing though. The main issue with the saver is the frankly dreadful interest rate. It is easy to transfer to your santander current account and vice versa though. Read more Read less

    {"display":"Andy","full_name":"Andy","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Saver
    Andy 16th April 2026
  • 5/5

    Happy Customer

    Cash with Isa is product I would recommend. It is the balance of the account that Santander pay interest on.

    {"display":"Lovela","full_name":"Lovela","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Lovela 16th April 2026
  • 4/5

    Top bank

    Very fast transfers and great app

  • 5/5

    Very good. 5 sta

    Very good. Never had issues and had the card 10 years

  • 5/5

    Very good bank

    Very good bank, app works well. Still has a few branches open

  • 2/5

    Disregard for personal private information.

    My main experience with this bank too, is that if you have a business savings account and a personal savings account with them, they freely... My main experience with this bank too, is that if you have a business savings account and a personal savings account with them, they freely display your personal savings on a business log-on just because your name as a saver and a business operator at the same address matches, even though they are distinctly different entities with different names. When complained, they too put forward a kind of 'the-computer-says-no' argument and also that they are doing you a favour by allowing you to view all your accounts together in one log-on. Obviously this is wrong because if occasionally you had to let your accountant have a view of your business account, you do not want them to be able to see your personal savings as well. Read more Read less

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