Santander International

Santander International: personal banking for residents and expatriates

Santander International presents itself as a bank focused on clients with international financial needs. Its activity is aimed at residents of the Channel Islands and the Isle of Man, UK residents, British expatriates, expatriates of other nationalities and, in general, international clients. The entity operates with a service structure divided into personal banking, Select, Private and Corporate & Institutional.

Personal banking products

The personal banking range includes current and savings accounts, credit cards and foreign exchange services. Among the savings accounts detailed on the website are the Easy Saver Account, the Instant Saver Account, the Regular Saver Account - Issue 3, the Notice Account and the Fixed Deposit Contract. Public information also mentions interest rates associated with these products.

Mortgages and home financing

The mortgage section covers buying your first home, buying a second home, moving an existing mortgage to the entity and buying a property in the UK. Among the options mentioned is the NextGen100 Mortgage. The entity also distinguishes between services for existing customers and offers specific documentation for mortgage appointments.

Select, Private and corporate banking

For the Select segment, the offering includes a current account, fixed deposit contract, credit cards, mortgages for Select customers and foreign exchange. The Private area incorporates an investment and wealth platform, secured lending and credit cards. The Corporate & Institutional division serves corporate and institutional accounts, with documentation differentiated depending on whether they are opened in Jersey, the Isle of Man or with Santander Financial Services plc in London.

Operating channels and presence

Customers can bank through online banking, mobile banking and Santander Work Café spaces. The entity identifies locations in Jersey and the Isle of Man, and maintains Work Cafés in both Jersey and the Isle of Man. Mobile banking allows customers to view account information, manage payments and standing orders, delete payees, make transfers, change the PIN and send secure messages, among other operations.

Security, fraud and documentation

The entity publishes guides on security and fraud covering security tips, one-time passcodes (OTPs), procedures for reporting fraud, virtual assets and cryptocurrencies, online banking security, loss or theft of a Visa card and overseas payment limitations. It also offers third party access and power of attorney, as well as forms and documents for account opening, mortgage appointments and corporate and institutional accounts.

Credit cards and associated services

The credit card guides describe activating the physical card, setting up Priority Pass, viewing transactions and statements, using the Exequor Concierge service, making a claim on the travel and lifestyle insurance, finding your PIN and guides to annual membership fees and monthly spending limits.

Customer service and corporate structure

The website facilitates contact through enquiry forms for new accounts, mortgage enquiries and corporate accounts, as well as channels for complaints and feedback. The corporate section includes information about the team, news and community, careers, values and departments.