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.

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Bank accounts

Ranked 24^th 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%

Car insurance

Ranked 3^rd 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%

Credit cards

Ranked 14^th 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%

Home insurance (building and contents)

Ranked 16^th 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%

Investing and pensions

Ranked 24^th 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 14^th 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 13^th 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 23^rd 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 43^rd 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%

Travel insurance

Ranked 1^st 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%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Unpaid transaction fee i
Bankers draft/cheque fee i	£10.00
Faster Payment limit i	£100,000.00
Maximum cash machine withdrawal per day i	£300.00
Can you use your card to pay for items overseas? i

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

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

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

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

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

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

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

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

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

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%

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

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

Escape of water excess for buildings i	£450.00
Matching sets (Buildings) i
Frozen pipes i
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
Property owner liability i	£5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

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

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
Charge for telephone/postal share dealing
Same Day Payment Charge	£0.00
Cost of receiving paper statements for a year	£0.00
App available i

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

How long after policy is started can full benefits be claimed? i	12 months
Age when premiums stop i	90
Cover type (level or increasing) i	Level
Cover for accidental death in waiting period i	100%
Signing up incentive i	£150 Cash back
Can you reduce monthly payments? i
Minimum age i	50
If a payment is missed, how long until the policy is cancelled? i	60 days
Maximum age i	80
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
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
Discount offered with a funeral provider? i
Funeral benefit option provider i

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

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
Ski equipment owned excess i	£75.00
Ski equipment hired i	£500.00
Single item limit for hired equipment i	£300.00
Avalanche closure cover limit i	£250.00
Piste closure cover limit i	£250.00
Unused ski pass due to illness or injury i	£300.00

Santander

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Student bank accounts

Business Credit Cards

Foreign Use Business Credit Cards

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Cashback and reward credit cards

Foreign use credit cards

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Fund and Share Accounts (for low frequency trading)

Ready-made General Investment Accounts

Ready-made Stocks and Shares ISAs

Stocks and Shares ISAs (self-invested)

Life insurance

Over 50s life insurance

Travel insurance

Annual multi-trip insurance

Single trip insurance

Travel insurance add-on: winter sports

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