Santander

Santander is the fifth largest UK bank and it is owned by Spanish banking giant, the Santander Group. Santander entered the UK in 2004 when it bought the building society Abbey National. IT went on to buy two more building societies - Alliance & Leicester and Bradford & Bingley - in the wake of the financial crisis. 

Santander offers a full range of banking products, including current accounts, savings accounts, credit cards and personal loans. It’s also one of the largest mortgage providers in the UK. 

It offers several insurance products, with its home and life policies being underwritten by Aviva. Its car insurance product is provided by the panel of insurers and its travel insurance by Chubb European Group SE.

Santander
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Bank accounts

Ranked 24th of 30 providers reviewed.

Customer happiness score 60.94%
Customer trust score 55.79%
Complaints performance 59.83%
Transparency rating 70.03%
Fairer Finance score
Reviewed Autumn 2023
62%
Gold ribbon: first place

Car insurance

Ranked 3rd of 49 providers reviewed.

Customer happiness score 74.19%
Customer trust score 70.16%
Complaints performance 73.66%
Transparency rating 73.03%
Fairer Finance score
Reviewed Autumn 2023
73%
Gold ribbon: first place

Credit cards

Ranked 14th of 34 providers reviewed.

Customer happiness score 61.77%
Customer trust score 57.9%
Complaints performance 60.07%
Transparency rating 65.82%
Fairer Finance score
Reviewed Autumn 2023
61%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 16th of 46 providers reviewed.

Customer happiness score 60.05%
Customer trust score 55.94%
Complaints performance 72.74%
Transparency rating 76.25%
Fairer Finance score
Reviewed Autumn 2023
67%
Highest claims satisfaction

Investing and pensions

Ranked 24th of 27 providers reviewed.

Customer happiness score 56.84%
Customer trust score 57.89%
Complaints performance 78.46%
Transparency rating 40.33%
Fairer Finance score
Reviewed Autumn 2023
58%

Life insurance

Ranked 14th of 24 providers reviewed.

Claims score 90.75%
Complaints performance 87.33%
Transparency rating 46.1%
Fairer Finance score
Reviewed Autumn 2023
75%

Mortgages

Ranked 13th of 23 providers reviewed.

Customer happiness score 58.62%
Customer trust score 52.59%
Complaints performance 75.43%
Transparency rating 58.45%
Fairer Finance score
Reviewed Autumn 2023
61%

Personal loans

Ranked 23rd of 27 providers reviewed.

Customer happiness score 59.47%
Customer trust score 57.54%
Complaints performance 59.86%
Transparency rating 62.63%
Fairer Finance score
Reviewed Autumn 2023
60%

Savings Accounts

Ranked 43rd of 53 providers reviewed.

Customer happiness score 52.66%
Customer trust score 57.56%
Complaints performance 59.86%
Transparency rating 64.33%
Fairer Finance score
Reviewed Autumn 2023
59%
Gold ribbon: first place

Travel insurance

Ranked 1st of 45 providers reviewed.

Customer happiness score 61.11%
Customer trust score 69.91%
Complaints performance 83.06%
Transparency rating 63.14%
Fairer Finance score
Reviewed Autumn 2023
69%
Most trusted

Bank accounts

Basic bank accounts

Santander

Basic Current Account

4 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Bankers draft/cheque fee i £10.00
Unpaid transaction fee i
Faster Payment limit i £25,000.00
Maximum cash machine withdrawal per day i £300.00
Can you use your card to pay for items overseas? i

Current accounts

Santander

Edge Current Account

5 stars
Annual fee i £36.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Santander

Edge Current Account (First 12 Months)

5 stars
Annual fee i £36.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Santander

Edge Up Current Account

5 stars
Annual fee i £60.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Santander

Everyday Current Account

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Santander

Edge Current Account

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Santander

Edge Current Account (First 12 Months)

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Santander

Edge Up Current Account

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Santander

Private Current Account

1 stars
Foreign cash withdrawal fee i 2.95%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.95%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Santander

Edge Student Current Account

1 stars
Foreign cash withdrawal fee i 2.95%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.95%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Santander

Everyday Current Account

1 stars
Foreign cash withdrawal fee i 2.95%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.95%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Santander

Select Current Account

1 stars
Foreign cash withdrawal fee i 2.95%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.95%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Santander

Basic Current Account

1 stars
Foreign cash withdrawal fee i 2.95%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.95%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Santander

Private Current Account

5 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £500.00
Arranged overdraft interest rate (representative EAR) i 39.94%

Santander

Select Current Account

5 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £500.00
Arranged overdraft interest rate (representative EAR) i 39.94%

Santander

Edge Up Current Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.94%

Santander

Edge Current Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.94%

Santander

Edge Current Account (First 12 Months)

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.94%

Santander

Everyday Current Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.94%

Student bank accounts

Santander

Edge Student Current Account

5 stars
Arranged overdraft limit i £1500 in years 1-3, £1800 in year 4, £2000 in year 5
Tiered repayment of overdraft i
Switching / sign up incentive i 4 year 16-25 railcard

Business Credit Cards

Foreign Use Business Credit Cards

Santander

Business Cashback Credit Card Mastercard

5 stars
Using card in Europe charge i 0%
Using card worldwide charge i 0%
Annual fee in first year i £30.00
Representative APR i 23.7%
Rewards i 1% cashback on all card spending

Reward Business Credit Cards

Santander

Business Cashback Credit Card Mastercard

3 stars
Rewards i 1% cashback on all card spending
Annual Purchase Rate i 18.9%
Annual fee in first year i £30.00
Annual fee after first year i £30.00
Representative APR i 23.7%
Annual cash withdrawal rate i 27.9%
Using card Europe charge i 0%
Using card worldwide charge i 0%

Car insurance

Santander

Car Insurance (with RAC Breakdown and Guaranteed Replacement Car cover)

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Santander

Car Insurance

2 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Children's Accounts

Children's Bank Accounts

Santander

123 Mini Current Account

Minimum Age i 13
Interest Rate (AER) First Tier i 1%
Maximum Balance First Tier of Interest Covers i £999.99
Maximum Age i 17
Interest Rate (AER) Second Tier i 2%
Maximum Balance Second Tier of Interest Covers i £1,499.99
Interest Rate (AER) Third Tier i 3%
Maximum Balance Third Tier of Interest Covers i £2,000.00
Maximum Cash Withdrawal i £300.00
Ability to freeze or report a card lost via app? i
Rewards i
Additional information i No Card for children 12 and under, for children aged 13 and over, there are few parental controls on the account. uses standard Santander banking app.
Cash Transaction Fee i 0%
Cash Withdrawal Fee i £0.00
Card Delivery Fee i £0.00
Replacement Card Fee i £0.00
Foreign Cash Withdrawal Fee i 2.95%
Foreign Transaction Fee i 2.95%

Children's Savings Accounts

Santander

123 Mini Account (in Trust)

Account Type i Easy Access
Interest Rate (AER) i 2%
Minimum Opening Balance i £0.00
Maximum Balance i Unlimited
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 0
Maximum Age i 12
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i The trustee must have a Santander current account
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Credit cards

0% balance transfer credit cards

Santander

Everyday No Balance Transfer Fee Credit Card

5 stars
Duration of 0% balance transfer offer period i 12 months
Balance transfer fee during promotional period i 0%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.805%
Risk based? i

Santander

All In One Credit Card

4 stars
Duration of 0% balance transfer offer period i 15 months
Balance transfer fee during promotional period i 0%
Representative APR i 29.8%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.805%
Risk based? i

Santander

Everyday Long Term Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 26 months
Balance transfer fee during promotional period i 3%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.805%
Risk based? i

Santander

World Elite

2 stars
Duration of 0% balance transfer offer period i 18 months
Balance transfer fee during promotional period i 0%
Representative APR i 49.8%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.457%
Risk based? i

Santander

Edge Credit Card

1 stars
Duration of 0% balance transfer offer period i 1 months
Balance transfer fee during promotional period i 3%
Representative APR i 29.8%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.805%
Risk based? i

0% purchase credit cards

Santander

All In One Credit Card

4 stars
Duration of purchases offer period i 15 months
Representative APR i 29.8%
Highest APR i 29.8%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Santander

Edge Credit Card

3 stars
Duration of purchases offer period i 1 months
Representative APR i 29.8%
Highest APR i 29.8%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Santander

Everyday No Balance Transfer Fee Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 23.9%
Highest APR i 23.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Santander

Everyday Long Term Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 23.9%
Highest APR i 23.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Santander

World Elite

1 stars
Duration of purchases offer period i 18 months
Representative APR i 49.8%
Highest APR i 49.8%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.457%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

Santander

World Elite

4 stars
Reward extras i Access to airport lounges, access to Mastercard’s Concierge Lifestyle Managers, access to Mastercard Priceless Cities experiences, Boingo Wi-Fi access for up to 4 devices, 40% off Santander travel insurance.
Representative APR i 49.8%
Risk based? i
Annual fee in first year i £180.00
Annual fee after first year i £180.00
Foreign purchase fee i 0%

Santander

Edge Credit Card

3 stars
Reward extras i
Representative APR i 29.8%
Risk based? i
Annual fee in first year i £36.00
Annual fee after first year i £36.00
Foreign purchase fee i 0%

Santander

All In One Credit Card

1 stars
Reward extras i
Representative APR i 29.8%
Risk based? i
Annual fee in first year i £36.00
Annual fee after first year i £36.00
Foreign purchase fee i 0%

Foreign use credit cards

Santander

All In One Credit Card

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Representative APR i 29.8%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Santander

World Elite

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Representative APR i 49.8%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.457%

Santander

Edge Credit Card

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Representative APR i 29.8%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Santander

Everyday Long Term Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Santander

Everyday No Balance Transfer Fee Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.805%

Home emergency cover

Santander

Home Emergency Cover (Classic & Plus)

4 stars
Home Security Cover i
Home Emergency Cover limit i £1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £1,000.00
Unoccupied period i 60
Claims limit i Unlimited

Home insurance (building and contents)

Santander

Plus cover Home Insurance

4 stars
Theft from outbuildings i £2,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i Unlimited
Protection against inflation (Buildings)
Contents cover limit i Unlimited
Money in the home i £500.00
Visitor's possessions i £1,000.00
Office equipment i Unlimited
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Alternative accommodation cover limit for contents i Sum insured
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £450.00
Property owner liability i £5,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Replace belongings new for old i

Santander

Classic Home Insurance

2 stars
Theft from outbuildings i £750.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £25,000.00
Protection against inflation (Buildings)
Contents cover limit i £50,000.00
Money in the home i £500.00
Visitor's possessions i £1,000.00
Office equipment i £10,000.00
Buildings cover limit i £500,000.00
Trace and access i £2,500.00
Keys/locks if lost or stolen (Buildings) i £250.00
Alternative accommodation cover limit for contents i £25,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £0.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £450.00
Property owner liability i £5,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Replace belongings new for old i

Buildings insurance

Santander

Plus cover Home Insurance

4 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £450.00
Underground pipes, cables and tanks i Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

Santander

Classic Home Insurance

2 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £450.00
Underground pipes, cables and tanks i Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £0.00
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Santander

Plus cover Home Insurance

4 stars
Matching sets (contents) i
Theft from outbuildings i £2,500.00
Cover for items away from home i Covered as standard
Property owner liability i £5,000,000.00

Santander

Classic Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings i £750.00
Cover for items away from home i Covered as standard
Property owner liability i £5,000,000.00

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Santander

Investment Account

4 stars
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment £0.00
Charge for transferring cash to another platform £0.00
Early Account Closure Fee (12 months or less) £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £0.00
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00
App available i
Charge for telephone/postal share dealing

Fund and Share Accounts (for low frequency trading)

Santander

Investment Account

4 stars
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment £0.00
Charge for telephone/postal share dealing
App available i
Charge for transferring cash to another platform £0.00
Early Account Closure Fee (12 months or less) £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £0.00
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Ready-made General Investment Accounts

Santander

Santander portfolio

4 stars
Cost (Year 1) i £375.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Does the provider have a mobile app?
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs £0.00
Early account closure fee £0.00
Cost of receiving paper statements for a year £0.00
Charge for transferring cash to another platform i £0.00

Ready-made Stocks and Shares ISAs

Santander

Santander portfolio

4 stars
Cost (Year 1) i £375.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs £0.00
Early account closure fee £0.00
Cost of receiving paper statements for a year £0.00
Charge for transferring cash to another platform i £0.00
Is there a mobile app?

Stocks and Shares ISAs (self-invested)

Santander

Investment Hub Stocks & Shares ISA

4 stars
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment £0.00
Charge for telephone/postal share dealing
Charge for transferring cash to another platform £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £0.00
Repairing or voiding an ISA, when required under HMRC rules £0.00
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Life insurance

Over 50s life insurance

Santander

Over 50s Life Assurance

4 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 100%
How long after policy is started can full benefits be claimed? i 12 months
Cover type (level or increasing) i Level
Signing up incentive i £150 Cash back
Minimum age i 50
Maximum age i 80
Cover for non-accidental death in waiting period (% of premiums paid) i 100%
Payout for accidental death outside waiting period i 100%
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 60 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i
Funeral benefit option provider i

Personal loans

Santander

Personal Loan

Representative APR (on £5,000 loan, 36 month term) 7.3%
Unpaid Repayment Fee i £0.00
Early settlement fee (Days interest) 30 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing length 60 months

Savings Accounts

1 Year Fixed Rate Accounts

Santander

1 Year Fixed Rate Bond

Interest Rate (AER) i 4.1%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

2 Year Fixed Rate Accounts

Santander

2 Year Fixed Rate Bond

Interest Rate (AER) i 3.85%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

3 Year Fixed Rate Accounts

Santander

3 Year Fixed Rate Bond

Interest Rate (AER) i 3.7%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Santander

Easy Access Saver (Issue 25)

Interest Rate (AER) i 1.7%
Balance Tiers i 1.70% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i Reverts into Everyday Saver after 12 months.
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Santander

Limited Access Saver (Issue 2)

Interest Rate (AER) i 2.5%
Balance Tiers i 1.20% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i Lower rate paid if more than 2 withdrawals per month.
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 16
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Santander

Santander Edge saver (Issue 1)​

Interest Rate (AER) i 7%
Balance Tiers i 7.00% from £1 for the first 12 months then 4.50%, 0.00% from £4001
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i £2,000,000.00
Minimum Age to Open Account i 18
Penalty free withdrawals? i
Sharia Account i
Additional Information i Must be signed up to Online or Mobile Banking to apply.
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i Must be a Santander Edge current account customer

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Santander

1 Year Fixed Rate ISA

Interest Rate (AER) i 4.15%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 120 days interest
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

2 Year Fixed Rate ISAs

Santander

2 Year Fixed Rate ISA

Interest Rate (AER) i 3.75%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 120 days interest
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Easy Access ISAs

Santander

Easy Access ISA (Issue 21)

Interest Rate (AER) i 1.7%
Minimum Opening Balance i £500.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Junior ISAs

Santander

Junior ISA (Issue 2)

Interest Rate (AER) i 3.2%
Part of FSCS i
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Are early withdrawals allowed? i
Conditions of early withdrawal i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Travel insurance

Annual multi-trip insurance

Santander

Travel Insurance

4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £300.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 31 days

Single trip insurance

Santander

Travel Insurance

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £500.00
Combined passport & travel documents limit i £300.00

Travel insurance add-on: cruise cover

Santander

Travel Insurance

3 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £1,000.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £75.00
Timetable/itinerary change cover limit i £0.00
Unused excursions cover limit i £500.00

Travel insurance add-on: winter sports

Santander

Travel Insurance

4 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £250.00
Ski equipment owned excess i £75.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £300.00