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Santander reviews

Santander Logo
Rated Good 3.88/5

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 2,659 product reviews

Average score of 3.88/5
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. (29 mentions)
  • Santander Everyday and Basic current accounts are easy to use with good customer service. (16 mentions)

Negative themes

  • Mortgage applications with Santander are slow and poorly communicated causing stress. (7 mentions)
  • Santander business accounts suffer from poor service and unexplained account blocks. (7 mentions)
  • Santander Cash ISA investments often lose value with high fees and bad support. (6 mentions)
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 2659 company reviews Last reviewed within 7 days

Santander

Life Insurance 20th August 2026

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

Rated Excellent 5.00/5
Read more product reviews

Easy to use App & support

Everyday Credit Card 20th August 2026

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

Rated Excellent 5.00/5
Read more product reviews
  • 5.00/5

    The mortgage process was simple enough to sort, howe...

    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

    {"display":"Chad","full_name":"Chad","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgages
    Chad 20th August 2026
  • 4.00/5

    Very good bank, best app alll easy

    Very good bank, best app alll easy

  • 3.00/5

    Good on line mortgage tool for existing customers to...

    Good on line mortgage tool for existing customers to change deal

    {"display":"Jmcd","full_name":"Jmcd","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgages
    Jmcd 20th August 2026
  • 5.00/5

    Good bank with good products.

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

  • 1.00/5

    Got a remortgage agreed on april 26, house valuation...

    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

    {"display":"Ana Maria","full_name":"Ana Maria","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgages
    Ana Maria 18th August 2026
  • 1.00/5

    I was robbed of £1650 Santander said we cover fraud...

    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

  • 1.00/5

    Santander, the worst customer service

    I have had the worst customer service experience from Santander- as an excellent customer of many years, they broke my trust and still let me... I have had the worst customer service experience from Santander- as an excellent customer of many years, they broke my trust and still let me down in the most appalling manner… there are many other banks who would value their customers and treat them with respect and dignity. Complaints ref 14023178 Read more Read less

  • 5.00/5

    Had a very good experience renewing my mortgage deal...

    Had a very good experience renewing my mortgage deal today. Very helpful staff member Sarah, Leslie and especially Stuart from the sales team. Top notch customer care.

    {"display":"J W","full_name":"J W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgages
    J W 5th August 2026
  • 1.00/5

    Cant make payments

    I took out an everyday credit card and I am a Chase customer. It will not allow to me to make any form of payment... I took out an everyday credit card and I am a Chase customer. It will not allow to me to make any form of payment other then by direct debit. I cannot do a bank transfer from Chase, I cannot use my debit card from Chase, I can't even go to a post office to pay it. The reason I need to make those payments is to clear my transfers before the 0% period ends, and I can't!!! I knew I shouldn't have gone to Santander, I used to have an account with them and they were an absolutely awful organisation, I guess I will never learn. Read more Read less

    Products from Santander

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