Smart Money People Logo

Voting in the Insurance choice awards 2025 is open - Vote here

Own this company?
Share this page
Link copied

Santander reviews

Santander Logo
Rated Good • 3.73/5

Santander reviews

This business hasn't yet registered to manage and respond to reviews on their page. Own this business?. Find out how to register here

Unverified business
Last reviewed within 14 days
  • 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 2,484 product reviews

Average score of 3.73/5
5 star
48%
4 star
24%
3 star
8%
2 star
4%
1 star
16%
Reviews for Santander have trended negatively over the past 90 days

Latest positive rating

4/5

The process for setting up the ISA was long winded,...

The process for setting up the ISA was long winded, and the call centre did not alwats help. It took a long time for them to get the account opened.

{"display":"WLG","full_name":"WLG","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Cash ISA
WLG 15th September 2025

Latest negative rating

1/5

Avoid Santander at all costs

I’ve had my mortgage with Santander for 12 years and only missed a payment once, when there was an online banking issue with my bank,... I’ve had my mortgage with Santander for 12 years and only missed a payment once, when there was an online banking issue with my bank, People’s Bank after it was acquired by M&T. I called Santander and explained that I paid it on time, and had a letter from the bank, so they waived the late fee. Come to find out, that is the ONLY time they will waive it during the 30 year term!!! So fast forward a few years to present day when all my accounts at TD Bank are compromised, my money stolen, recovered, new accounts set up, and I call Santander to explain what happened a couple days after to be sure my payment was received and explain what happened, and learn that the bank returned my payment, so I sent a new payment that day and then paid the following month. Now, this is at the end of the summer as a teacher and single mother of 3, with very little money to begin with, so those 2 checks cleaned me out until I started getting paid again. How did Santander respond? $40 late fee and not one, but 2 notices of intent to foreclose on my loan, which took 12 days to arrive in my mailbox. Shameful. I will never do business with this company again, and will tell everyone I know to do the same. Read more Read less

{"display":"Julianne V","full_name":"Julianne V","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Mortgage
Julianne V 20th September 2025
See more reviews for Santander products

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 2484 company reviews • Last reviewed within 14 days

Avoid Santander at all costs

Mortgage • 20th September 2025

I’ve had my mortgage with Santander for 12 years and only missed a payment once, when there was an online banking issue with my bank,... I’ve had my mortgage with Santander for 12 years and only missed a payment once, when there was an online banking issue with my bank, People’s Bank after it was acquired by M&T. I called Santander and explained that I paid it on time, and had a letter from the bank, so they waived the late fee. Come to find out, that is the ONLY time they will waive it during the 30 year term!!! So fast forward a few years to present day when all my accounts at TD Bank are compromised, my money stolen, recovered, new accounts set up, and I call Santander to explain what happened a couple days after to be sure my payment was received and explain what happened, and learn that the bank returned my payment, so I sent a new payment that day and then paid the following month. Now, this is at the end of the summer as a teacher and single mother of 3, with very little money to begin with, so those 2 checks cleaned me out until I started getting paid again. How did Santander respond? $40 late fee and not one, but 2 notices of intent to foreclose on my loan, which took 12 days to arrive in my mailbox. Shameful. I will never do business with this company again, and will tell everyone I know to do the same. Read more Read less

{"display":"Julianne V","full_name":"Julianne V","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

Avoid business account with Santander go elsewhere

Business Current Account • 18th September 2025

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... 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. Read more Read less

{"display":"Dom D","full_name":"Dom D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews
  • 2/5

    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... 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! Read more Read less

    {"display":"AF","full_name":"AF","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Current Account
    AF 15th September 2025
  • 4/5

    The process for setting up the ISA was long winded,...

    The process for setting up the ISA was long winded, and the call centre did not alwats help. It took a long time for them to get the account opened.

    {"display":"WLG","full_name":"WLG","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    WLG 15th September 2025
  • 1/5

    Dreadful experience with Santander policy

    I have cancelled my policy with Santander as no help was given with our claim from a water leak.. We asked twice for an assessor... I have cancelled my policy with Santander as no help was given with our claim from a water leak.. We asked twice for an assessor to attend and assess our shower leak and had no reply on both occasions. Our plumber sent in many photos and reports on the issue also to no avail. Not impressed at all. Do not use this company. Read more Read less

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

    Santander

    Good app. Easy to set up and use with minimal fuss. Everything seems straightforward

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

    Good customer service

    Easy to understand info, good customer service

    {"display":"Marti van der Linde","full_name":"Marti van der Linde","avatar":{"url":"\/assets\/uploads\/avatars\/users\/399948.png"}}'s avatar
  • 1/5

    EXISTING CUSTOMER

    I AM AN EXISTING ACCOUNT HOLDER AND OPENING A NEW ACCOUNT FOR A FAMILY NEED - THE IDIOTS ARE ASKING ME TO PROVE MY ADDRESS... I AM AN EXISTING ACCOUNT HOLDER AND OPENING A NEW ACCOUNT FOR A FAMILY NEED - THE IDIOTS ARE ASKING ME TO PROVE MY ADDRESS AGAIN !!!! AND DO NOT ACCEPT SANTANDER ISSUED DOCUMENTS AS PROOF OF ADDRESS!!! STAY AWAY AT ALL COST !!!! Read more Read less

    {"display":"TAIMOOR A","full_name":"TAIMOOR A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    The Santander Promise

    I renew my house & contents insurance yearly with Santander with the reassurance that should I need to claim they would be there for me.

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

    Excellent banking service

    Santander is a excellent bank can’t fault them in anyway they keep my money safe and secure the online banking app very easy to use

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

    Very helpful

    I have had my mortgage and a few bank accounts with Santander for a good number of years. The communication and use of the app... I have had my mortgage and a few bank accounts with Santander for a good number of years. The communication and use of the app has been so easy. Recently I unfortunately fell for an online payment scam. I called Santander the following morning. 2 days later the money I had 'spent' was back in my account. Read more Read less

    {"display":"Denise F","full_name":"Denise F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

    Products from Santander
    Showing products offered by Santander

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice