Santander

Santander is a large Spanish bank, which has become one of the main challengers to the Big Four banks in the UK. It has operated in the UK since taking over Abbey National and Bradford & Bingley branches here. They also acquired Alliance & Leicester in 2013.

Santander offers some competitive banking and credit card products which you won't find elsewhere on the high street.

Santander's life and home insurance policies are underwritten by Aviva. Its travel insurance is provided by ACE European Group Ltd.

Santander
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Bank accounts

Ranked 16th of 30 providers reviewed.

Customer happiness 59%
Customer trust 50%
Complaints performance 71%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2019
59%
Gold ribbon: first place

Car insurance

Ranked 9th of 51 providers reviewed.

Customer happiness 61%
Customer trust 58%
Complaints performance 88%
Transparency rating 35%
Fairer Finance score
Reviewed Spring 2019
61%

Credit cards

Ranked 19th of 34 providers reviewed.

Customer happiness 59%
Customer trust 51%
Complaints performance 71%
Transparency rating 30%
Fairer Finance score
Reviewed Spring 2019
53%
Gold ribbon: first place

Home insurance

Ranked 4th of 47 providers reviewed.

Customer happiness 58%
Customer trust 53%
Complaints performance 88%
Transparency rating 60%
Fairer Finance score
Reviewed Spring 2019
65%
Gold ribbon: first place

Life insurance

Ranked 9th of 25 providers reviewed.

Claims score 98.9%
Complaints performance 84.84%
Transparency rating 52%
Fairer Finance score
Reviewed Spring 2019
75%

Mortgages

Ranked 14th of 23 providers reviewed.

Customer happiness 51%
Customer trust 40%
Complaints performance 72%
Transparency rating 46%
Fairer Finance score
Reviewed Spring 2019
53%

Personal loans

Ranked 14th of 24 providers reviewed.

Customer happiness 62%
Customer trust 54%
Complaints performance 71%
Transparency rating 42%
Fairer Finance score
Reviewed Spring 2019
57%

Savings accounts

Ranked 33rd of 42 providers reviewed.

Customer happiness 47%
Customer trust 45%
Complaints performance 71%
Transparency rating 56%
Fairer Finance score
Reviewed Spring 2019
55%
Gold ribbon: first place

Travel insurance

Ranked 9th of 59 providers reviewed.

Customer happiness 53%
Customer trust 52%
Complaints performance 88%
Transparency rating 38%
Fairer Finance score
Reviewed Spring 2019
58%

Car insurance

Santander

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

3 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Santander

Car Insurance

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Credit cards

0% balance transfers

Santander

Everyday

5 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 18 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 1.46%

Santander

Zero Card

1 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 1 months
Representative APR i 18.90%
Risk based? i
Representative balance transfer rate i 1.46%

0% purchases

Santander

All In One Credit Card (NOTE that additional rewards if 123 account holder - very varied and vague what they are)

4 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 26 months
Representative APR i 21.70%
Risk based? i
Representative purchase rate i 1.24%
Number of days before interest is charged on purchases i 56 days

Santander

Zero Card

4 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 12 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.46%
Number of days before interest is charged on purchases i 56 days

Santander

Everyday

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 18.90%
Risk based? i
Representative purchase rate i 1.46%
Number of days before interest is charged on purchases i 56 days

Santander

World Elite

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 18 months
Representative APR i 49.80%
Risk based? i
Representative purchase rate i 1.46%
Number of days before interest is charged on purchases i 56 days

Cashback and rewards

Santander

All In One Credit Card (NOTE that additional rewards if 123 account holder - very varied and vague what they are)

4 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £112.88
Estimated amount of money customers get back after the 1st year (minus annual fee) i £112.88
Risk based? i
Annual fee after 1st year i £36
Foreign purchase fee i 0%

Santander

World Elite

2 stars
Reward extras i Five welcome offers of up to 25% cashback (certain retailers), Up to 15% cashback with selected retailer offers.
Estimated amount of money customers get back in the 1st year (minus annual fee) i -£31.12
Estimated amount of money customers get back after the 1st year (minus annual fee) i -£31.12
Risk based? i
Annual fee after 1st year i £180
Foreign purchase fee i 0%

Foreign use

Santander

Zero Card

4 stars
Representative APR i 18.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 0%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

Santander

All In One Credit Card (NOTE that additional rewards if 123 account holder - very varied and vague what they are)

2 stars
Representative APR i 21.70%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.24%

Santander

World Elite

2 stars
Representative APR i 49.80%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

Santander

Everyday

1 stars
Representative APR i 18.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

Low rate

Santander

All In One Credit Card (NOTE that additional rewards if 123 account holder - very varied and vague what they are)

4 stars
Representative APR i 21.70%
Representative cash transaction rate i 2.21%
Representative purchase rate i 1.24%
Risk based? i
Representative balance transfer rate i 1.24%
Representative money transfer rate i

Santander

Zero Card

4 stars
Representative APR i 18.90%
Representative cash transaction rate i 1.46%
Representative purchase rate i 1.46%
Risk based? i
Representative balance transfer rate i 1.46%
Representative money transfer rate i

Home insurance

Santander

Premier

4 stars
Escape of water excess i £100
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

Santander

Everyday

2 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £750
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i £250
Money in the home i £500
New for old i

Buildings insurance

Santander

Premier

4 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £100
Alternative accommodation cover limit i Sum insured
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Santander

Everyday

2 stars
Trace & access i £2,500
Matching sets i
Cover for keys/locks if lost i £250
Compulsory excess i £200
Escape of water excess i £350
Alternative accommodation cover limit i £25,000
Cover for keys/locks if stolen i £250
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

Santander

Premier

4 stars
Theft from outbuildings i £2,500
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i Sum insured
Money in the home i £500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Santander

Everyday

3 stars
Theft from outbuildings i £750
Matching sets i
Cover for keys/locks if lost i £250
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £25,000
Money in the home i £500
Cover for keys/locks if stolen i £250
24hr helpline i

Life insurance

Over 50s life insurance

Santander

Over 50s Life Assurance

2 stars
Cover for accidental death in waiting period i Full payout
Waiting period i 12 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i 2x the cover
Maximum age i 80
Funeral benefit option Not offered

Travel insurance

Annual multi-trip insurance

Santander

Travel Insurance

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £500
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

Santander

Travel Insurance

3 stars
Missed port departure i £1,000
Re-joining a cruise i £1,000
Cabin confinement i £1,000
Missed port departure excess i £50
Timetable/itinerary change i £0
Unused excursions i £500

Single trip insurance

Santander

Travel Insurance

4 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i Unlimited
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £500
Combined passport & travel i £300

Winter sports add-on

Santander

Travel Insurance

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £300
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £300