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Santander: Business Current Account reviews

Name: Business Current Account
Rating: 2.26 (95 reviews)

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2.07

Based on 95 reviews, last reviewed 22nd Jan 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

20%

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 (95)

Review of the Santander, Business Current Account:

The kings of contradiction!

The kings of contradiction! Having been a loyal business customer of Santander for several years, I was unfortunately the victim of a scammer, involving the use of bank transfer to make payment, it is a rather long story, but it involved many calls back and forth to Santander, along with lines such as "The security team do not wish to speak to you" "We will call you back later today" (and never did) "We will call you to tell you the outcome of reclaiming the funds" - They sent a letter instead 3 days later. After all that, my money was gone. I have complained several times, and this has fell on deaf ears, constantly - I was even sent a letter by one of their customer service team, inviting a response back from me for any further information, I sent the letter, and had no reply! Not even an acknowledgement, a month later I re-sent the letter, again, no response, no acknowledgement, this is a financial institution ignoring customers. Their social media team is also full of lip service, say one thing, do another. The disappointment I have with this bank is an understatement, and I will be looking to move away from Santander as soon as possible. If anyone of their Representatives ever reads this, make sure you actually do what you say you will do, rather than say one thing and do another, this is peoples lives you are messing with. Reviewed on: 6th October 2017

Not too good

I have been a customer for 14 years (and have had a few other problems during that time) and called in to sort out what I thought would be a very simple problem - out of the blue they have started sending me letters every time a basic transfer is made! To tried to go through security but some questions referred to facilities I have never used - e.g. cards. They asked me to call in again - I did with same result. After demanding to speak to complaints, complaints said that they couldn't log the complaint because security was not passed, and the only possible way was to waste time physically visiting a branch!! So catch-22 and no result. Reviewed on: 23rd October 2018

Superb Service

Called their helpline ‭0800 085 1633‬ to open Business Bank Account, extremely helpful person put me within 5-6 on call with a business manager. Was given the option to open account on phone, took about 35 mins all questions were relevant to the business, was asked if any exisiting contracts - said No and she said fine. Director details were asked and a credit check was done all within 35 mins. Account was seamlessly sorted/opened with free business banking for a year. Great service and nothing more to expect. Reviewed on: 11th September 2018

Still waiting...

Further to my earlier review, I'm still waiting to hear back from Santander - 3 months later. I have written to them 6 times asking them to delete the personal data that they gathered about me as part of my application. No response, so I guess they still hold my data - without my consent - isn't that prohibited???? Terrible service - I'd advise anyone to try elsewhere. For a business bank, Nat West have been fantastic. Reviewed on: 23rd July 2018

when One Star is an Insult

Based on recent experiences with the bank I've been with since I was 16, one star is even insulting. Kept on hold listening to music for 25 minutes then the red devils promised to call back between 12 and 4 today, which they never did so I have gone without the customer support I was promised by their call centre, even though I am a loyal customer of 12 years. Very poor, very shoddy work, Santander. Don't open a current account with this bank! Reviewed on: 14th May 2018

Absolutely useless

Been trying to open an account for 11 weeks. Just been told by one of the staff that I should go somewhere else as it’s likely to take weeks more!!! Impossible to get a response and I am know unable to receive my contractors pay as I have no bank account! Absolutely hopeless and totally unprofessional. Reviewed on: 9th May 2018

Do not use if you are a start-up

I have been trying to open a new business bank account for 4 weeks. As we are just starting up we do not yet have any contracts and agreements in place - these will follow once we are able to put in orders. Note that you can't put in an order till you have a bank account but they won't give you a bank account till you prove you have the orders - a classic Catch-22. Santander have been exceptionally unhelpful even when I've managed to get through to a manager to discuss the issues - they are just box-tickers who have done nothing to help progress the application. I'm not asking for credit, overdraft or loan just a sort code and account number. Their inflexibility over the documents required and their refusal to engage in a constructive conversation means that I have now gone to Nat West who have been fantastic - they have opened me an account within 5 days and they could not have been more helpful. Do not waste your time and energy with Santander. Reviewed on: 25th April 2018

Poor customer service

When I opened the account I got a £1000 over draft. Even though the welcome letter confirmed it but my account doesn't show and called them. They hold me on phone for 15 minutes then said we will call you soon and hanged the phone and never call me back. Reviewed on: 23rd April 2018

Absolute joke of a bank

Spent 11 hours on the phone in a week trying to get a payment cleared. They are unable to provide information, unable to provide updates, typical scousers for staff and very uneducated with no ownership of issues. Horrible company to deal with. Refered this to the ombudsman. Reviewed on: 3rd April 2018

Business bank account

Easy to use online. Recommended. Reviewed on: 11th February 2018

Good account low cost.

After a year free I've just started paying £7.50 a month for business banking. Service is good, a little annoying you can't use the counter in branch but if I ever get stuck with machine or it isn't working staff are happy to help. Reviewed on: 4th February 2018

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