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 25^th of 31 providers reviewed.

Customer happiness	60.77%
Customer trust	55.45%
Complaints performance	60.08%
Transparency rating	73.05%
Fairer Finance score Reviewed Spring 2023	62%

Car insurance

Ranked 4^th of 53 providers reviewed.

Customer happiness	78.3%
Customer trust	73.58%
Complaints performance	80.31%
Transparency rating	69.88%
Fairer Finance score Reviewed Spring 2023	76%

Credit cards

Ranked 20^th of 31 providers reviewed.

Customer happiness	60.02%
Customer trust	56.23%
Complaints performance	60.5%
Transparency rating	55.72%
Fairer Finance score Reviewed Spring 2023	58%

Home insurance (building and contents)

Ranked 13^th of 48 providers reviewed.

Customer happiness	63.2%
Customer trust	59.32%
Complaints performance	72.65%
Transparency rating	80.36%
Fairer Finance score Reviewed Spring 2023	69%

Investing and pensions

Ranked 23^rd of 24 providers reviewed.

Customer happiness	51.85%
Customer trust	55.56%
Complaints performance	76.93%
Transparency rating	45.02%
Fairer Finance score Reviewed Spring 2023	57%

Life insurance

Ranked 14^th of 25 providers reviewed.

Claims score	88.60%
Complaints performance	89.34%
Transparency rating	46.94%
Fairer Finance score Reviewed Spring 2023	75%

Mortgages

Ranked 12^th of 23 providers reviewed.

Customer happiness	59.89%
Customer trust	54.88%
Complaints performance	75.51%
Transparency rating	59.74%
Fairer Finance score Reviewed Spring 2023	63%

Personal loans

Ranked 20^th of 26 providers reviewed.

Customer happiness	60.61%
Customer trust	59.8%
Complaints performance	60.08%
Transparency rating	59.16%
Fairer Finance score Reviewed Spring 2023	60%

Savings Accounts

Ranked 47^th of 53 providers reviewed.

Customer happiness	49.85%
Customer trust	55.79%
Complaints performance	60.08%
Transparency rating	64.52%
Fairer Finance score Reviewed Spring 2023	58%

Travel insurance

Ranked 1^st of 41 providers reviewed.

Customer happiness	64.42%
Customer trust	73.08%
Complaints performance	84.92%
Transparency rating	64.47%
Fairer Finance score Reviewed Spring 2023	72%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
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
Cash withdrawal fee in UK (own bank) i	£0.00
Card payment fee (£) i	£0.00
App capability? i

Annual fee i	£48.00
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

Annual fee i	£24.00
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 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

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

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

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%

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

Duration of 0% balance transfer offer period i	12 months
Balance transfer fee during promotional period i	0%
Representative APR i	22.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	0%
Representative balance transfer rate i	1.737%
Risk based? i

Duration of 0% balance transfer offer period i	15 months
Balance transfer fee during promotional period i	0%
Representative APR i	27.7%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	0%
Representative balance transfer rate i	1.667%
Risk based? i

Duration of 0% balance transfer offer period i	28 months
Balance transfer fee during promotional period i	3%
Representative APR i	22.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	3%
Representative balance transfer rate i	1.737%
Risk based? i

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

Duration of purchases offer period i	15 months
Representative APR i	27.7%
Highest APR i	27.7%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.667%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Duration of purchases offer period i	3 months
Representative APR i	22.9%
Highest APR i	22.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.737%
Number of days before interest is charged on purchases i	56 days
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%

Foreign purchase fee i	0%
Foreign withdrawal fee i	3%
Representative APR i	27.9%
Number of days before interest is charged on non-sterling cash transactions i	0 days
Risk based? i
Representative purchase rate i	1.667%

Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i	Covered under the home emergency policy
Cover Type i	Add-On
Home Emergency Cover limit i	£1,000.00
Minimum Excess i	£0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i	No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i	No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i	£500.00
Domestic Power supply covered? i
Roof damage i	Covered under the home emergency policy
Pest infestation cover i
Underwriter i	Aviva Insurance Limited
Maximum Excess i	£0.00
Alternative Accommodation Cover i	£1,000.00
24/7 Claims Helpline i
Unoccupied period i	Not Specified

Alternative accommodation cover limit for buildings i	Sum insured
Matching sets (contents) i
Theft from outbuildings cover limit i	£2,500.00
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	Sum insured
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	Sum Insured
Keys/locks if lost or stolen (Buildings) i	Sum Insured
Money in the home i	£500.00
Replace belongings new for old i
Trace and access i	£5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£550.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£10,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	Unlimited
Contents cover limit i	Unlimited
Underwriter	Aviva
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£0.00
Cancellation fee after 14 days i	£0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£2,500.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	Sum insured
Visitor's possessions	£1,000.00
Out in open cover
Frozen Food Cover	Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	Unlimted
Credit cards i	£0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	Unlimited
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	Optional
Cover away from home offered for: money	Optional
Cover away from home offered for: jewellery	Optional
Cover away from home offered for: bicycles & other	Optional
Special events (weddings and civil ceremonies) - limit	Not Offered
Special events (weddings and civil ceremonies) - days	Not Offered
Special events (births) - limit	Not Offered
Special events (births) - days	Not Offered
Special events (anniversaries and birthdays) - limit	Not Offered
Special events (anniversaries and birthdays) - days	Not Offered
Special events (religious events) - limit	Not Offered
Special events (religious events) - days	Not Offered
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined

Alternative accommodation cover limit for buildings i	£25,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i	£750.00
Escape of water excess i	£450.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£250.00
Keys/locks if lost or stolen (Buildings) i	£250.00
Money in the home i	£500.00
Replace belongings new for old i
Trace and access i	£2,500.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i	£550.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£10,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£5,000,000.00
Buildings cover limit i	£500,000.00
Contents cover limit i	£50,000.00
Underwriter	Aviva
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£0.00
Cancellation fee after 14 days i	£0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	£2,500.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	Sum insured
Visitor's possessions	£1,000.00
Out in open cover
Frozen Food Cover	£50,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	£2,000.00
Credit cards i	£0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	£10,000.00
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	Optional
Cover away from home offered for: money	Optional
Cover away from home offered for: jewellery	Optional
Cover away from home offered for: bicycles & other	Optional
Special events (weddings and civil ceremonies) - limit	Not Offered
Special events (weddings and civil ceremonies) - days	Not Offered
Special events (births) - limit	Not Offered
Special events (births) - days	Not Offered
Special events (anniversaries and birthdays) - limit	Not Offered
Special events (anniversaries and birthdays) - days	Not Offered
Special events (religious events) - limit	Not Offered
Special events (religious events) - days	Not Offered
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	Not Defined
Windspeed (mph) i	Not Defined

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

Cost (Year 1) i	£382.50
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

Santander

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Student bank accounts

Business Credit Cards

Foreign Use Business Credit Cards

Reward Business Credit Cards

Car insurance

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)

Age when premiums stop i	90
Cover for accidental death in waiting period i	Full payout
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	£125
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	2x the cover
How much for terminal illness benefit? i
How much will be paid for serious illness? i
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	Not offered
Funeral benefit option provider i	Not offered

Representative APR (on £5,000 loan, 36 month term)	7.2%
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 amount	60 months

Interest Rate (AER) i	3.5%
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

Interest Rate (AER) i	0.7%
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i	£1.00
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
Penalty free withdrawals? i

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?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	4.25%
Minimum Opening Balance i	£500.00
What happens at maturity? i
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
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	4.2%
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?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.2%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i	£500.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	2.65%
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

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 cover limit i	£300.00
Cutting trip short cover limit i	£5,000.00
Abandoning your trip cover limit i	£5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i	31 days