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 44 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
Bankers draft/cheque fee i	£10.00
Unpaid transaction fee 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	£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

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

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

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%

Account Type i	Easy Access
Interest Rate (AER) i	2%
Minimum Opening Balance i	£0.00
Maximum Balance i	£0.00
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

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

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	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

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

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	29.8%
Number of days before interest is charged on non-sterling cash transactions i	56 days
Risk based? i
Representative purchase rate i	1.805%

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
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	Not Specified
Claims limit i	Unlimited

Theft from outbuildings i	£2,500.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	Sum insured
Escape of water excess i	£450.00
Additional escape of water excess i	£0.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	Sum insured
Trace and access i	£5,000.00
Buildings cover limit i	Unlimited
Money in the home i	£500.00
Contents sum insured i	Unlimited
Visitor's possessions i	£1,000.00
Office equipment i	Unlimited
Alternative accommodation cover limit for contents i	Sum insured
Escape of water excess (minimum) i	£450.00
Cancellation fee after 14 days i	£0.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
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

Theft from outbuildings i	£750.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i	£25,000.00
Escape of water excess i	£450.00
Additional escape of water excess i	£100.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£250.00
Trace and access i	£2,500.00
Buildings cover limit i	£500,000.00
Money in the home i	£500.00
Contents sum insured i	£50,000.00
Visitor's possessions i	£1,000.00
Office equipment i	£10,000.00
Alternative accommodation cover limit for contents i	£25,000.00
Escape of water excess (minimum) i	£550.00
Cancellation fee after 14 days i	£0.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
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

Matching sets (Buildings) i
Escape of water excess (minimum) i	£450.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£450.00
Unoccupied period i	60.00
24hr 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

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

Children's Accounts

Children's Bank Accounts

Children's Savings Accounts

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

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	£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

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	100 cashback
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	£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	Not offered
Funeral benefit option provider i	Not offered

Representative APR (on £5,000 loan, 36 month term)	7.4%
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

Interest Rate (AER) i	5.05%
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	4.95%
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

Interest Rate (AER) i	4.6%
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	3%
Minimum Opening Balance i	£1.00
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i	Lower rate paid if more than 2 withdrawals per month.
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
Additional Information i

Interest Rate (AER) i	1.7%
Minimum Opening Balance i	£1.00
Maximum Balance i	£2,000,000.00
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
Additional Information i	Reverts into Everyday Saver after 12 months.

Interest Rate (AER) i	5.25%
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?