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
Visit provider's website

We don't get paid for any links on our site.

Bank accounts

Ranked 24th of 28 providers reviewed.

Customer happiness 59.62%
Customer trust 55%
Complaints performance 60.02%
Transparency rating 72.28%
Fairer Finance score
Reviewed Autumn 2022
62%
Gold ribbon: first place

Car insurance

Ranked 8th of 52 providers reviewed.

Customer happiness 76.32%
Customer trust 66.67%
Complaints performance 79.63%
Transparency rating 69.02%
Fairer Finance score
Reviewed Autumn 2022
73%

Credit cards

Ranked 20th of 31 providers reviewed.

Customer happiness 61.01%
Customer trust 56.13%
Complaints performance 59.99%
Transparency rating 55.04%
Fairer Finance score
Reviewed Autumn 2022
58%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 12th of 48 providers reviewed.

Customer happiness 64.63%
Customer trust 59.51%
Complaints performance 74.23%
Transparency rating 73.15%
Fairer Finance score
Reviewed Autumn 2022
68%

Investing and pensions

Our ratings for Investing and pensions are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Life insurance

Ranked 20th of 26 providers reviewed.

Claims score 88.60%
Complaints performance 86.54%
Transparency rating 46.21%
Fairer Finance score
Reviewed Autumn 2022
74%

Mortgages

Ranked 14th of 23 providers reviewed.

Customer happiness 57.14%
Customer trust 51.94%
Complaints performance 76.93%
Transparency rating 62.69%
Fairer Finance score
Reviewed Autumn 2022
62%

Personal loans

Ranked 18th of 26 providers reviewed.

Customer happiness 61.23%
Customer trust 57.24%
Complaints performance 60.01%
Transparency rating 68.1%
Fairer Finance score
Reviewed Autumn 2022
62%

Savings Accounts

Ranked 46th of 50 providers reviewed.

Customer happiness 47.21%
Customer trust 53.96%
Complaints performance 60.01%
Transparency rating 59.78%
Fairer Finance score
Reviewed Autumn 2022
55%
Gold ribbon: first place

Travel insurance

Ranked 3rd of 38 providers reviewed.

Customer happiness 55.79%
Customer trust 68.95%
Complaints performance 76.45%
Transparency rating 57.35%
Fairer Finance score
Reviewed Autumn 2022
65%

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
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

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

1-2-3 Current Account

5 stars
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

Santander

1-2-3 Lite Current Account

5 stars
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

Santander

Everyday Current Account

4 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

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 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 Current Account (First 12 Months)

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

1-2-3 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

1-2-3 Lite 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

Santander

1-2-3 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

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 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%

Santander

1-2-3 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

1-2-3 Lite 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

1-2-3 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

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 15 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

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 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

Santander

Everyday Long Term Balance Transfer Credit Card

3 stars
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

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

0% purchase credit cards

Santander

All In One Credit Card

4 stars
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

Santander

Everyday No Balance Transfer Fee Credit Card

3 stars
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

Santander

Everyday Long Term Balance Transfer Credit Card

3 stars
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

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

5 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

All In One Credit Card

1 stars
Reward extras i
Representative APR i 27.7%
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 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%

Santander

World Elite

2 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

Everyday Long Term Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.737%

Santander

Everyday No Balance Transfer Fee Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.737%

Home Emergency Cover

Santander

Home Emergency Cover (Classic & Plus)

5 stars
Boiler Breakdown Cover i
Home Security Cover i
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
Water Supply Pipe Cover 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
Lost keys Cover i Covered under the home emergency policy
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

Home insurance (building and contents)

Santander

Plus cover Home Insurance

4 stars
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
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
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 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
Standard Accidental Damage - Underground services
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
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
Shopping in Transit £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

Santander

Classic Home Insurance

2 stars
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
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
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 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
Standard Accidental Damage - Underground services
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
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
Shopping in Transit £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

Buildings insurance

Santander

Plus cover Home Insurance

4 stars
Trace and Access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i Sum insured
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £550.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £450.00
Flood excess i £0.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Santander

Classic Home Insurance

1 stars
Trace and Access i £2,500.00
Keys/locks if lost or stolen (Buildings) i £250.00
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £25,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £550.00
Buildings Compulsory Excess i £100.00
Escape of water excess i £450.00
Flood excess i £0.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Santander

Classic Home Insurance

4 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i £250.00
Theft from outbuildings cover limit i £750.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £25,000.00
24hr helpline i

Santander

Plus cover Home Insurance

4 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £2,500.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i Sum insured
24hr helpline i

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

2 stars
Account closure fee £0.00
Charge for transferring investments to another platform i 0
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

3 stars
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

Ready-made Stocks and Shares ISAs

Santander

Santander portfolio

3 stars
Cost (Year 1) i £382.50
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 Full payout
How long after policy is started can full benefits be claimed? i 12 months
Signing up incentive i 100 cash Back
Maximum age i 80
Payout for accidental death outside waiting period i 2x the cover
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
Discount offered with a funeral provider? i Not offered

Savings Accounts

1 Year Fixed Rate Accounts

Santander

1 Year Fixed Rate Bond

Interest Rate (AER) i 2.8%
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

2 Year Fixed Rate Accounts

Santander

2 Year Fixed Rate Bond

Interest Rate (AER) i 2.9%
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

3 Year Fixed Rate Accounts

Santander

3 Year Fixed Rate Bond

Interest Rate (AER) i 2.95%
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

eSaver (Issue 21)

Interest Rate (AER) i 1.5%
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

Santander

Everyday Saver

Interest Rate (AER) i 0.55%
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

Santander

Santander Edge saver (Issue 1)​

Interest Rate (AER) i 4%
Maximum Balance i £2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i Interest includes a 0.50% bonus rate for the first 12 months, the interest rate will decrease after the first 12 months.
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
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 Must be a Santander Edge current account customer
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Santander

1 Year Fixed Rate ISA

Interest Rate (AER) i 2.8%
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?

2 Year Fixed Rate ISAs

Santander

2 Year Fixed Rate ISA

Interest Rate (AER) i 2.9%
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?

Easy Access ISAs

Santander

eISA (Issue 17)

Interest Rate (AER) i 1.5%
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?

Santander

Easy ISA

Interest Rate (AER) i 0.55%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £0.00
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?

Junior ISAs

Santander

Junior ISA Issue 2

Interest Rate (AER) i 2.25%
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 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

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 cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £500.00
Combined passport & travel cover 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

5 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £70.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £400.00
Unused ski pass due to illness or injury i £500.00