Current Accounts

Below are the most commonly asked questions about Bank Accounts, if you can not find the answer to your question, you can contact us either by phone or email.

> How do I check the progress of a recent Current Account application?
> How do I order a new PIN?
> How do I order duplicate statements?
> Why should I move my current account to Santander?
> How do I transfer my Current Account to another type of Santander account?
> How do I close an account?
> How do I dispute a cash machine or Card transaction?
> How do I find my IBAN number?

To help us respond to your call more efficiently, please call the most appropriate number from the list below.

*Call charge information

For general enquiries, you can also contact us by email. Please remember not to include any account related information for security purposes.

How do I order a new PIN?

To order a new PIN, please call us on 08459 724 724* (international number 00 44 1908 237 963*). We're open Monday to Saturday from 7am to 11pm. Once you receive this PIN it's important that you 'unlock' it (you will find this under the PIN services menu at any Santander cash machine). If you prefer, you can change it to one that’s easier to remember.

If you use our online banking service, once you've ordered a new PIN you won't be able to access your accounts online until the next working day. And if you use our Automated Telephone Service, you’ll need a new Telephone Registration Number (TRN).

How do I order duplicate statements?

You can order duplicate statements† for a Current Account either online, via our online banking service††, or by calling us on 08459 724 724. We’re open Monday to Saturday from 7am to 11pm.

Or you can write to us at: Santander; PO Box 1109; Bradford; BD1 5ZJ

†If the details you require include transactions that are more than 14 months old, or relate to anything above the last 200 transactions, then give us a call first. If the transaction details have been archived, we’ll need to order them separately, and there’s a charge of £10. You can choose to pay the fee by sending us a cheque or giving us permission to debit your Santander Current Account.

††If you have a Santander Visa Debit, or Cash Card, you can register for our online banking service by either calling us on the above number, or visiting a branch with some identification.

Why should I move my current account to Santander?

If you're usually in credit we offer one of the highest rates of credit interest on the high street: 5.00%/4.89% gross AER (fixed) for the first 12 months on balances up to £2,500. This is 50 times more interest than some other banks. After the first 12 months the rate changes to 1.00% gross/AER (variable) on balances up to £2,500. To be eligible for this great rate you must pay in a minimum of £1,000 each month.  Rate changes to 0.10% gross/AER (variable) on balances over £2,500 or if required credits are not made.

If you tend to use your overdraft we offer an interest free overdraft for 12 months. And after the 12 months the rate is still one of the lowest in the market at just 12.90% EAR (variable).
To be eligible for this rate you must be over 18 years of age, switch to an Santander account using our Account Transfer Service and credit at least £1,000 monthly.

How do I transfer my Current Account to another type of Santander account?

If you are an existing Santander current account customer you may wish to transfer your existing account to a new account, for example changing to a student account if you are about to go to university or from a Preferred In-Credit Rate Account to a Preferred Overdraft Rate Account if your account usage changes.

Depending upon the type of account you are transferring from may need to collect some additional information from you before we can process the transfer (employment and financial details), for example if you request additional facilities on your new account such as an increased authorised overdraft or different type of card. 

If you make more than one transfer in a 12 month period between Preferred In-Credit Rate Account and Preferred Overdraft Rate Account this will incur a £10 fee.

For some types of accounts there is further specific information we will need to see:
Student and Post Graduate Account - If you are transferring to a student account you will need to provide proof of the course you are studying (this can be a letter from UCAS or your university confirming that you have place on the course)
Graduate account – if transferring to a graduate account you will need to bring along proof of employment.

Please note that for some accounts you are automatically transferred to the next product in our range, this happens for 11 – 15 into 16 – 18 and 16 – 18 into an adult Current Account.

To transfer your accounts please visit your local Santander branch. You can find your nearest branch using our branch finder

How do I upgrade my Current Account to a Reward Current Account?

To upgrade to a Reward Current Account you need to already have a Preferred In-Credit Rate Account or Preferred Overdraft Rate Account (you can check this by looking at any recent statement or at a Santander ATM). You can upgrade your account by completing a short application form in the Reward Current Account page or while you are logged into Online banking.

How do I close an account?

We’re sorry to hear that you are thinking about closing your Bank Account. If your existing account is not meeting your needs, please pop into one of our branches to discuss this with an advisor in more detail. We may have an alternative account that will be more suitable for you – please visit your local branch to find out more and one of our advisors will be happy to help. Find your nearest Branch

To close a Bank Account by post, please write to the following address:

Santander
PO Box 297
BRADFORD
BD1 4YR

If writing to Santander, please enclose the following:

• Your address
• Your telephone number
• The number of the account you wish to close
• Instructions for repayment of any credit balance still on the account once closed (i.e. by cheque to registered address or into another Santander account)
• Any cards held on the account (the cards should be cut in half for security purposes)
• Cheque books held on the account

If you have any direct debit mandates (used to pay bills) arranged on the account, you must give written authority for us to cancel them and make alternative arrangements for future payments, with the companies they are payable to.

Please allow 14 days for the closure to take effect

If you have any further queries, please don't hesitate to contact us.

Closing an account if you are abroad

The normal procedure for closing a bank account is for you to return all cards, passbook, etc relating to the account to a Santander branch.

If this isn't possible we would accept written instructions sent to us by fax.

Please destroy all cards relating to the account you wish to close, by cutting them in half.

Photocopy your passport showing the page that includes your photograph and signature.

Write down the following details:

• Your present address and contact telephone number
• The number of the account that you wish to close and the address detailed on the account
• Your personal fax number, if you have one
• Confirm that you have destroyed all cards relating to the account.
• State how you would like the closing balance to be paid to you; e.g. cheque in sterling, currency draft (charge £10), telegraphic transfer in sterling (charge £25), telegraphic transfer in currency (charge £25).
• Details of the receiving account if to be paid by telegraphic transfer.
• Please fax all the details written down plus the photocopies of your passbook and passport to + 44 1274 368 635*.
  

How do I dispute a cash machine or Card transaction?

If you’d like us to investigate a Card or cash machine transaction, contact us on the relevant number below:

- If you requested some money from a cash machine, but did not receive part or all of the amount requested, or have a general query about a cash machine transaction showing on your account call 08459 724 724 *. (Open Monday to Saturday from 7am - 11pm.)

- If you believe there are cash machine transactions showing on your account that are a direct result of fraudulent activity call 08459 724 724 *. (Open Monday to Saturday from 7am - 11pm.)

- If you disagree with a card transaction showing on your account and your card is in your possession call 08459 724 724 *. (Open Monday to Saturday from 7am - 11pm.)

- If you suspect a fraudulent card transaction - 08459 724 724 *. (Open Monday to Saturday from 7am - 11pm. Saturday 9am to 1pm)

Alternatively, visit your local branch 

How do I find my IBAN number?

Your IBAN number is printed on the first page of your monthly statement under ‘your account summary’, but you can also get it by calling us on 0845 972 4724*. We're open Monday to Saturday from 7am to 11pm.