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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

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:

Very helpful and totally professional.

I went to the Blackburn branch this morning re a Banker's Draft. The gentleman at the desk was extremely helpful and directed me one of his colleagues. The lady was very helpful and did her best to solve my problem. In the past, I've had an odd not so good experience but today, the way I was treated and the dedication displayed by the team was sheer professionalism. Reviewed on: 21st March 2017

Not ready for business banking

I have the following business accounts: Starling, Tide, Natwest and Santander. To say that Santander is terrible would be an understatement. As a matter of fact, the other 3 providers in the list above should be assessed completely separately. The interface of Santander Business Accounts (browser or app) is archaic. The reliability is the worst I have ever seen; 1 out of every 4 / 5 transactions times out or is not processed due to 'technical reasons'. The website is regularly completely glitching out. I honestly cannot emphasise enough to avoid business banking with Santander. The biggest irony being that they're the only business banking provider from the list above which CHARGES £7.50 as a flat fee for its services. Reviewed on: 7th July 2021

Security locks me out of my account at least once a month

I've been with Santander for about 7 years. Until the last year they were very good. However, over the last few months, their security system locks me out of the account whenever I come to run the payroll. The customer then needs to call up (usually 30 - 45 mins) and regain access. This can happen multiple times a day, meaning you need to set aside a full day to run the payroll. Very disappointing. Reviewed on: 6th July 2021

avoid completely

There are no words to describe what a scam Santander is. They out of the blue closed our business account without explaining why and then they are holding to our money and won't write a cheque unless it is in business name. but we only have one business account and opening a new one has been really challenging given the current circumstances. it has been 3 months and the business has gone bankrupt. so even 1 star is too much for them really. Reviewed on: 16th April 2021

Useless

Spent 20 minutes on phone waiting to get through to helpline. Unable to access online account through no fault of my own. When eventually call answered, no use at all. So, locked out of my account. Useless . Avoid. Reviewed on: 25th August 2020

Awful online service

Locked out of my online account...No clear information on website as to how to get help. When you eventually find the contact telephone number by googling they take ages to answer the phone...hopeless Reviewed on: 19th August 2020

Is Santander Business Banking a COVID19 hot spot?

I've had my business banking with Santander for over 15 years. I applied for a CBILS loan. I received a rejection letter from head of business banking Susan Davies on grounds of my Experian score and affordability. I have just checked my score and it is 999 out of 999. My last tax returns also shows a personal income of £56,000. Are these people infected with the Covid19, on drugs or just do not want to lend to small businesses? Reviewed on: 12th June 2020

Steer Clear

I have been with Santander Business for over 10 years and run a Limited Company. Santander Business have got steadily worse, generally unhelpful and seem to have poorly trained staff . I am at a point where I am moving my banking elsewhere. They have let their business customers down badly over the government funded and backed scheme to help businesses through the Coronavirus lockdown. They are a disgrace to the world of business banking and should be fined by the Government. Reviewed on: 7th April 2020

Pathetic

Bank charges too high, and when challenged they said it was impossible to change. The service for business was appalling, and there was no congruent access to a person to discuss when I went into the local branch. I have changed the bank now, and I have complained to the banking ombudsman, results are yet to be revealed. I was forced to close the account when I said I was complaining, Good riddance to a bad bank. Reviewed on: 5th January 2020

Painful app

Outdated bank that needs to update with the times Reviewed on: 3rd January 2020

A truly listening Bank

Cash flow issue. Contact Santander. No problem. Very up to date with client needs. Reviewed on: 6th July 2019

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