Santander UK

Santander UK, personal banking headquartered in London

Santander UK plc is a British banking entity with its registered office at 2 Triton Square, Regent's Place, London. It is registered in England and Wales with number 2294747 and operates under the authorisation of the Prudential Regulation Authority and the regulation of the Financial Conduct Authority and the Prudential Regulation Authority, with financial services register number 106054. The entity is part of the Santander group and its activity is mainly aimed at personal customers in the United Kingdom.

Products and services for personal customers

The entity's catalogue covers the main categories of retail banking. In current accounts it offers the Everyday Current Account, Santander Edge, Santander Edge Up, Santander Edge Explorer, Basic Current Account, Carer's Card Account, accounts for students and minors such as Santander Edge Student, International Students and the 1|2|3 Mini Current Account, as well as joint accounts and overdraft services. In savings and ISAs it markets the Santander Edge saver, Easy Access Saver, Regular Saver, Limited Access Saver, Fixed Term Saver and First Home Saver, together with fixed rate ISAs, easy access ISAs, Junior ISA and Inheritance ISA.

The offer is completed with credit cards such as the Rewards Credit Card, All in One Credit Card, Everyday Long Term Balance Transfer and Everyday No Balance Transfer Fee, as well as the Santander World Elite Mastercard. In financing it has personal loans, car loans, debt consolidation and home improvement loans, as well as green lending. In insurance it covers home, contents for renters, landlord, life, over 50s life, car, electric vehicle and travel. It also offers mortgages for first-time buyers, remortgaging, existing customers and investment products such as ready-made investments, funds, investment accounts and personal pensions.

Digital banking and customer service

The entity provides service through mobile and online banking, with tools such as My Money Manager, My Money Vibe, My Home Manager and My First Home. It has a branch network with a locator and appointments, as well as telephone banking. Support services include managing payments and transfers, cheques, Direct Debits, cards and PINs, changing personal details, bereavement support, support for customers in prison, access to cash, power of attorney, third-party access and the Carer's Card Account. The entity also publishes information on fraud and security, accessibility and financial health.

Commitments and campaigns current at the time of analysis

The site indicated that the entity does not plan further branch closures before 2028. Among the featured promotions were the Regular Saver with a variable 8% AER/gross, which includes a variable 5% AER/gross bonus in the first year for savings of up to £200 per month from a current account; a £50 contribution for young people aged 13 to 17 who open a 1|2|3 Mini current account and deposit £50; 3% cashback during the first year on the Rewards Credit Card for fuel, everyday travel, restaurants and takeaway, with a representative variable 24.9% APR; and a prize draw of between £20,000 and £100,000, plus a free four-year Railcard when opening a Santander Edge Student current account. A £250,000 prize draw and monthly £100,000 giveaways for personal current account holders were also announced.

Transparency and service quality results

The entity publishes the results of independent service quality surveys for personal current accounts in Great Britain and Northern Ireland, carried out among approximately 1,000 and 500 customers of the largest providers, respectively, in accordance with regulatory requirements. It also publishes Financial Conduct Authority information on service quality and the 2024 authorised push payment (APP) fraud ranking, together with materials on protection against scams under the slogan Stop, Challenge, Protect.

Location and contact

2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom