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Santander: Business Current Account reviews

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

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2.05

Based on 94 reviews, last reviewed 12th Dec 2025

No new 5 star reviews

in the past 90 days

No new 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.

Santander Business Current Account reviews (94)

Review of the Santander, Business Current Account:

Dont waste your time even with the free 12months banking

Santander business banking has to be the worst bank to deal. I have a business in colwyn bay. I use the Santander bank in colwyn bay. The reason I signed up to be truely honest is the free banking period, it sounded get and easy but....... please don't waste your time, you cant use the counter service if your a business account yes that's right you have to pay a set monthly fee and 50p of every £100 after a certain amount. So after you pay the fees you dont get the privilege of using the in store desk, instead they tell you to use the cash machine if you need anything and to top in off the cash machines in Santander banks are awful, if you try put money into the machine please give yourself 20minutes of messing around feeding your notes into the machine that it keeps spitting out, oh and dont expect the staff to help you if these more than 2 people in the bank as theres only 2 counters 1 of which is usually busy with a member of staff doing something more important so naturally a queue starts forming. I usually time myself when I go in just to try make myself laugh instead of getting pis*** off at how much of a joke it is in there. The greatest thing is that even if nobody is in the bank they still wont help you as your a paying business account holder... sorry I keep saying that but it just amazes me that you can pay for an account and not get the customer service as you would if you just had a regular best account. If the cash machines was a little better the bank may just get a 2 star from me but its shocking. Most businesses have to out large amounts of cash in but when it only accepts 50 notes at a time so 500 quid your there for some time if your putting £3000 in and that's if you catch the machine on a good day. Oh but having said that most the staff there are quick to tell you that instead of putting a large amount in at once why not put 500 in every couple of days.... I also have another business which I run through natwest which are amazing. The machines are great and if your putting large money in then you simply put your money in a bag post it through a hole and boom just like magic it's in, but the best bit is that you can simply go to the desk and speak to a friendly staff member to deal with any problems. Moral of the story is I HATE Santander do not use it unless you want to pull all your hair out and die of old age waiting. Reviewed on: 28th March 2019

SHOCKINGLY BAD SERVICE

I have been a business customer with Santander for over 20 years with no problems but was shocked by their appalling customer service and communication today. It has cost me over 4 freelance hours and I have been told I have to take more time off work to go into a branch to sort out the issue. Very stressful and shockingly bad regard for their customers. Reviewed on: 1st July 2024

Would not recommend Santander buisness banking.

Would not recommend Santander buisness banking. Our business, established nearly 30 years with a healthy revenue, applied for a corporate account nearly 3 weeks ago. To date, we have received NO communication from their onboarding team. Totally unprofessional, unreliable & unresponsive! NEVER AGAIN!! Our business will now look elsewhere. Reviewed on: 7th May 2024

Disgusted

Closed business account that I’d held for 10 years never in debt always in credit yet after months of questions from staff they employed from non banking background asking silly questions which we answered easily they said we passed all checks then 6 months later with no explanation we receive letter stating they closing our business account and thst they don’t have to give an explanation. Best in mind i also have 2 current accounts 2 different isas a credit card and a savings account with them all of which in credit for more than 25 years !! Not allowed to ask why they decided to close business account . Horrendous behaviour I always told my friends and family to join Santander as a bank as we as a family total 10 accounts all in credit and good credit levels but now that has ended shoddy behaviour and I’m not the only person hundreds have told me how Santander after up to 40 years with them are having accounts closed so no don’t go near them Reviewed on: 16th January 2024

So fed up I am moving my 6 business accounts to another bank

Continuous poor experiences with Santander bank admin leaves me currently unable to receive OTP's so unable to pay suppliers. This has been ongoing for 8 days now and still no resolution. You are kept on hold for 20 minutes before being passed from department to department. Reviewed on: 27th October 2023

Amateurish customer support, long waiting times and archaic web based utilities. AVOID

I'm currently on hold for 40 mins for the third time in as many days trying to sort out a simple fraud check for an invoice payment. I've been blocked out of my account for this period, and have been told 3 different stories, and that resolution would be happening. On each occasion the resolution hasn't happened. My patience has run out with Santander. Their mobile app and website is like something out of the noughties. Phone support is appalling with long waiting times and clueless staff. Avoid at all costs. Reviewed on: 6th September 2023

Santander employee acting like a fraudster

A person recently phoned me, who claimed to be Santander employee and asked me to state my Date of Birth "to pass security". At that point I had no way of knowing, whether this really was a Santander employee calling me, or a fraudster fishing for my personal information. Guess my surprise, when a few weeks later, I learned that this really was a genuine Santander employee !? I complained to Santander about this practice, but they have the audacity to defend their practice, and do not want to change their security policy. This sets a dangerous precedent. If Santander acts in a way, that customers can not distinguish a genuine Santander employee from a fraudster, this is exactly what the fraudsters want, because it helps them to clear out people's bank accounts. Reviewed on: 17th June 2023

Barge Pole-Never ever use and steer clear

Santander went from the best business bank to the worst! Probably too busy looking after Lewis Hamilton rather than their own customers. Sadly my friend had £4000 taken from her account and 4 months later they still haven't given it back!!! they got HACKED without a doubt as nothing on her account and does not use her phone to pay for things! For me they just closed my account so I cannot run my business and do direct debits! Honestly what a useless Bank to help you through the cost of living! Shocking! The Poor People at the end of the phone just type into the system and nothing ever gets done! The managers never access the system to make decisions and the people answering the phones have NO power at all. Would never ever trust them! They failed to get rid of everyone when they tried to take away their free banking forever, but now they close your accounts causing you to open one of their products that charges you for everything! Crafty to say the least! Opened an online account with another provider free! Won't ever trust Santander ever again Reviewed on: 13th June 2023

Hidden commissions

Every month there was a debit of 18,23 with the name “card payment”. When I asked why, I understood that I was paying 11,99 for Netflix and 6,24 for Santander. This is a fraud. Reviewed on: 10th June 2023

No issues

Been with Santander for business since 2007 and had no issues and zero fees Reviewed on: 11th April 2023

Disappointed

I tried to set up a new business current account last April 2022. I phoned through my details and advised the customer care assistant that I would like the account to be set up by the end of April in time for me to start invoicing for my new business. At the time of writing this review, 1 year later, I have still not received a communication back advising on the status of my application. Needless to say I went elsewhere to open an account, which is an awful shame as I currently hold Santander standard current account and savers account. I even had mortgages in the past and have never had any issues. Reviewed on: 3rd April 2023

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