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Santander reviews

Santander Logo
Rated Good • 3.96/5

Santander reviews

Unverified business Last reviewed within 7 days
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  • 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 2,643 product reviews

Average score of 3.96/5
5 star
50%
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 app and online banking are often praised for being easy to use and reliable, making day-to-day banking straightforward. Many appreciate the cashback rewards on bills and the decent interest rates on savings accounts, which help make the monthly fees worthwhile. Friendly and helpful branch staff also get a mention, though fewer branches remain. On the downside, customers frequently complain about poor customer service, especially long waits on phone lines and unhelpful or rude staff. Account blocks and freezes without clear explanation cause major frustration, as do slow or problematic mortgage and insurance processes. Several warn about issues with investment products losing value and poor claims handling with home insurance.

Positive themes

  • Santander’s app and online banking are easy to use and reliable for everyday banking.
  • Cashback on bills and decent interest rates make Santander’s current accounts worthwhile.
  • Branch staff are friendly and helpful when you need face-to-face support.

Negative themes

  • Customer service is often slow or unhelpful with long waits and poor communication.
  • Accounts get blocked or frozen without clear reasons causing major inconvenience.
  • Mortgage and insurance processes are slow and frustrating with poor claims handling.
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 2643 company reviews • Last reviewed within 7 days

Everything Brilliant

123 current account (discontinued) • 18th June 2026

Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in... Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or at the end of a phone line to help. Honest advice - discouraged me from having an unnecessary credit card. Offered me home insurance at a much cheaper rate than other companies. Read more Read less

{"display":"Lorna Ridgers","full_name":"Lorna Ridgers","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews

We remortgaged our house.

Mortgage • 14th June 2026

We remortgaged our house. The process was very easy. All the information requested was easy to find and made sense, not like other providers. The... We remortgaged our house. The process was very easy. All the information requested was easy to find and made sense, not like other providers. The process was easy because you caould call people for advice. Read more Read less

{"display":"David Wightman","full_name":"David Wightman","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5.00/5
Read more product reviews
  • 4.00/5

    Average bank, friendly staff

    I find the branch staff friendly

    {"display":"Craig Hopkins","full_name":"Craig Hopkins","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    I've had a credit card with Santander, since the too...

    I've had a credit card with Santander, since the took over from Leicester Building Society. We never had any problems with them and their customer services when contacted are excellent.

    {"display":"Bill","full_name":"Bill","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Good product with competitive rates

    Good product with competitive rates

    {"display":"Paul D","full_name":"Paul D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Paul D 12th June 2026
  • 5.00/5

    Good bank helpful staff very keen to help

    Good bank helpful staff very keen to help

    {"display":"Waine C","full_name":"Waine C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Great balance transfer card with no fee

    I’ve been really pleased with this balance transfer card because it offered a long 0% period with no transfer fee. I find it easy to... I’ve been really pleased with this balance transfer card because it offered a long 0% period with no transfer fee. I find it easy to keep track of my balance and payments on the app. I changed the bank account my direct debit comes out of and it was straightforward to do. Read more Read less

    {"display":"Fiona ","full_name":"Fiona ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4.00/5

    Painless experience because accepted everywhere,

    Painless experience because accepted everywhere,

    {"display":"Marek S","full_name":"Marek S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4.00/5

    I never thought I would vote for Santander but they...

    I never thought I would vote for Santander but they have excelled themselves with the ISA on offer. It is a one year fixed rate... I never thought I would vote for Santander but they have excelled themselves with the ISA on offer. It is a one year fixed rate with an excellent interest rate, far more competitive than they have offered in the past. The only drawback is the amount of interest you lose of you need to close the account, quite a loto more than other financial services. On a positive note, I received a £200 voucher for transferring an ISA from another provider. Read more Read less

    {"display":"Gatters","full_name":"Gatters","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    Gatters 11th June 2026
  • 5.00/5

    Very good security and good online experience

    Very good security and good online experience

    {"display":"Nigel Davidson","full_name":"Nigel Davidson","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Just re new our mortgage with Santander, very pleased.

    Just re new our mortgage with Santander, very pleased.

    {"display":"Alexander C","full_name":"Alexander C","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgage
    Alexander C 11th June 2026

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