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Santander: Business Current Account reviews

Name: Business Current Account
Rating: 2.26 (94 reviews)

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2.04

Based on 94 reviews, last reviewed 12th Dec 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

20%

10%

60%

Latest highest rating:

4

Free business banking! Free business banking! Enough said! Reviewed on: 5th February 2025

Latest lowest rating:

1

Awful bank, stick clear The selling points, terms and conditions only apply to you, they can lie, cheat, mislead, mess you about, but the selling point of their free forever ... Read more Reviewed on: 12th December 2025

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About this product

The Santander Business Current Account is designed for both start-ups and established businesses. Ideal for everyday business banking needs, the account charges a low monthly fee and has arranged overdraft options.

Finding the right bank account to manage your business's finances can be difficult with so many on the market. We collect Santander Business Current Account reviews to help you make an informed decision. Read about genuine experiences from other business owners to learn more about the account.

Find out why customers chose the Santander Business Current Account and learn more about the sign-up process. Find out what features the mobile banking app has. Read about genuine experiences with the customer service team to learn how swiftly Santander solves its customers’ concerns. All of this and more can be found in our Santander Business Current Account reviews.

If you do your business banking with Santander, share your experience with others on Smart Money People. How long have you had your Business Current Account and have you been satisfied so far? What is your favourite feature of the account and is there anything you feel could be improved? Have you encountered any issues with the account, and if so, how well did Santander resolve them? Would you recommend the account to other business owners? Whether good or bad, write an honest Santander Business Current Account review today. Together, we can help people like you make better financial decisions.

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Santander Business Current Account reviews (94)

Awful bank, stick clear

The selling points, terms and conditions only apply to you, they can lie, cheat, mislead, mess you about, but the selling point of their free forever account doesn't apply to them, maybe they need to look the word forever up in the dictionary Reviewed on: 12th December 2025

Avoid business account with Santander go elsewhere

Despite having held as business account with Santander for over 5 years I have to say the experience is dreadful. It's impossible to speak to he "right" department in one call despite phoning the number on the letter that they send. Once you do get answered which is normally after a 12 minute wait you are put through to a "verification" team who can't verify ANYTHING. Simple requests take an eternity and you get charged for the pleasure of being looked after by a team of incompetents. AVOID opening a business account with santander. Reviewed on: 18th September 2025

Not good customer services

I had a business current & savings accounts with Santander for years but they introduced a monthly fee this summer. I moved my accounts, asked to transfer all remaining moneys to my new account but they sent me a cheque instead. They can't even follow instruction! Reviewed on: 15th September 2025

I will be leaving before 1 october 2025

I have never had any real problems with Santander Business banking, apart from a few years ago when they tried to start charging people to have this kind of account. Fortunately, this was stopped and it remained free. This week I received a letter from them informing me that as from 1 October 2025 this account will be converted into a Classic account and incur a charge of £9.99 a month in order to "simplify their product range". I'm out! Reviewed on: 15th July 2025

Have tried to change signatories in a business account.

Have tried to change signatories in a business account. 14 months later no success despite proving everything they asked for. No business advisors in branches despite their “misleading” advertising. Have to fax documents to the business department from a branch. Documents going missing! Nobody acknowledges receipt and I had to keep calling for updates. A member of staff made a complaint on my behalf! Sorry how did she know how I wanted to frame my account? They got my name wrong on 2 occasions and refused to speak to me on the last phone call! Got a lawyer on to it and he emailed the CEO and the business and customer support teams. He was ignored by all! Disgusted! Reviewed on: 22nd February 2025

Free business banking!

Free business banking! Enough said! Reviewed on: 5th February 2025

Steer Clear

This bank has froze my account several times, most recently on payday for the staff. It then takes hours to get this unlocked. I sent details required, they lose them then freeze the account again. Unbelievable . The also call with no ID and ask all your personal details? Other banks at least let you know who they are with some personal details. Reviewed on: 31st October 2024

Locked out of account, with no explanation

Both my husband and I were locked out of accounts. First my business accounts, then 2 weeks later our joint accounts. Bounced between service teams who knew nothing. The CEO's executive team did not even respond in the promised time frame and no one knew whey there was a lock. My husband had to provide rafts of business statements for a personal account (each one costing, as it needed his accountant to provide). Service was beyond appalling. Reviewed on: 5th October 2024

Not poor even more than poor service.

Don't use this bank, staff don't know even how to help the costumer . they only think people need their bank to use for there convince. They show only they have all power But not try to understand their costumer's issue. I suggest do not use this bank anymore. Reviewed on: 13th September 2024

DO NOT TRUST - they are fraudulent

They put a lock on my account, meaning I cannot access my account. They cannot give me a reason why. I have called them several times to resolve the issue, I’ve spent hours on hold, been transferred to all their different teams, I’ve been made promises such as I would receive a phone call within a certain time frame, which I never did… This has been going on for several month now. Nobody can tell me why my account has a block on, nobody can unblock my account, and I cannot even speak with a manager or anybody who can tell me why this is happening or has the authority to remove the block. This means I can receive payments but cannot make any payment. Not even direct debit can leave my account apart from THEIR bank charges. I’ve been their customer for over 10 years and I had ongoing payments from my account until this happened. They don't value their customers. I don’t even know if I will ever be able to access my money on my Santander business account. It seems like they have just stolen everything I had on that account. DO NOT TRUST Santander!!!! They are fraudulent. Additional update: As my case is developing, I have learnt that the reason Santander would not give out an email address to any customer who would like to complain is because in order to raise an issue at the Financial Ombudsman you would need written correspondence. At least it would make your case more straightforward. I somehow managed to find an email address on the internet (not on their website) and tried to email them but received an automated response that I would not receive a reply to my email as they are not responding to emails "in order to be able to deal with complaints faster". So they are very crafty criminals therefore I would advise anyone to try to stay away from them, but if you are already in their trap, like I am, record all phone conversation and write to them postal letters with recorded delivery. Reviewed on: 4th September 2024

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