Access from Abroad

Below are the most commonly asked questions about accessing your account and using our services abroad. Please click here to see how certain products you may hold will be impacted by your move. It is important that you take time to review this information and consider whether other products may now be better suited to your needs.

How do I?

> How do I set up account alerts?

> Change to an overseas address?

> Move to a UK address from overseas

Using your account abroad

> What should I do before I move abroad?

Review the account or product you hold
Sign up for online and telephone banking
Register for text message or email alerts
Update your contact details with us

> What useful contact details are there for when I'm abroad?

> How can I manage my account abroad?

> How do I find my IBAN number?

> Can I use my card abroad?

> What if I have problems with Santander Secure when I'm abroad?

What should I do before I move abroad?

Review the account or product you hold

You should take the time to read the information below to see how any product(s) you may hold could be impacted by your move abroad. You may wish to consider booking an appointment in branch for more information and for details of the options available to you.

If you haven't already, please visit Her Majesty's Revenue and Customs (HMRC) website for more information on any change to your tax status whilst you're away, or you can call them on +44 135 535 9022. You may be eligible for gross interest on banking, savings and fixed rate bond products, subject to completing and returning form R105 to us which is available on the HMRC website.

Current Accounts
123 Current Account	Cashback will only be earned on Direct Debits in the UK to institutions on our Eligible Originators Classifications Listing©.
Reward, Travel Reward, Family Reward, Premium, Premier 50, Student (accounts opened between 5 July 2010 and 8 January 2012), Premier and Premier Direct with Travel Insurance	If you hold any of these products, you will not be eligible for the insurance and assistance benefits on your account. We recommend talking to us to review your account options. For joint accounts, if one of you moves abroad they will no longer be eligible for the benefits. The other account holder will continue to be eligible.
Savings Accounts, Fixed Rate Bonds, ISAs and Investments
Fixed Rate Bonds	We will continue to write to you at least 14 days before your bond matures with details of the options available to you. If you do not contact us before your bond matures, your money will be transferred into an instant access account at maturity.
Cash ISAs, Investments ISAs and Investments	You can't open or add to an existing ISA or Investment when you cease to be a resident in the UK for tax purposes. The exception to this is for Crown employees working overseas (or the spouse or civil partner of a Crown employee working overseas) who can open or add to an existing ISA (but not an Investment). You can keep your ISA or Investment and continue to put money in it when you become a resident in the UK for tax purposes again (subject to the normal annual ISA limits). For more information please visit HMRC's website.
Personal Loans
Personal Loans	We can't accept Direct Debits from overseas bank accounts. Direct Debit payments will need to continue to be made from a UK bank account.
Insurance
Insurance	It is important that you refer to your insurance policy document which will contain details of who you should contact to notify of your change in circumstances.
Mortgages
Mortgages	We can't accept Direct Debits from overseas bank accounts. Direct Debit payments will need to continue to be made from a UK bank account. Please let us know if you decide to rent out your UK home.
Credit Cards
Credit Cards	If you hold any of our credit cards, you may not be eligible for associated benefits on your account if moving abroad. We recommend talking to us to review your credit card account options. We can't accept Direct Debits from an overseas bank account. Direct Debit payments will need to continue to be made via a UK bank account.
123 Credit Card	Cashback will only be earned on purchases in the UK to retailers within eligible Merchant Category Codes.

Sign up for online and telephone banking

Before you leave you should sign up for telephone and online banking as both will help you manage your account remotely when you are no longer able to access a branch (see the 'How can I manage my account abroad' section below).

If you're not registered for Online Banking, please click here for more information on how to register.

Please note that our online and telephone banking services are not available for all products.

Register for text message or email alerts?

In order to register for our Alerts service, you need to be able to log on to Santander Online Banking.

If you're already registered for our Online Banking Service, you'll find details on how to set up your alert service in the 'Account Services' Tab.

Update your contact details with us

It is important that you make sure your contact details, especially your mobile telephone number, are up to date, so that Santander can contact you while you are abroad should we suspect fraudulent activity on your account.

The easiest way to do this is to send us a secure message via Online Banking, visit your local branch, or call:

- Debit cards - 08459 724 724 (+44 1908 237 963) ^

- Credit cards - 08456 021 582 (+44 1512 648 725) ^

What useful contact details are there when I move abroad?

Transaction	Number^	Opening hours (GMT)
Current Account, Investments and Savings Queries (including Cash ISAs, Investments [with exception of Premium] and online banking registration)	+44 1908 237 963	Mon-Sat 7am-11pm and Sun 8am-1pm (Investments Mon-Fri 8am-6pm and Sat 8am-4pm)
Premium Investments	+44 1908 698 253	Mon-Fri 8am-8pm and Sat 9am - 5pm
Credit Card Queries (including online banking registration)	+44 1512 648 725	Mon-Sun 7am-11pm
Mortgage Queries (including online banking registration for Flexible off set mortgages)	+44 1908 719 108	Mon-Fri 8am-7pm and Sat 9am-2pm
Insurance Queries	Please refer to the specific policy document	Please refer to the specific policy document
Personal Loan Queries	+44 1908 719 137	Mon-Fri 8am-6pm and Sat 8am-4pm
Online Banking and Santander Secure Support	+44 1908 238 013	24 hours a day
Telephone Banking Services	+44 1908 237 963	Mon-Sat 8am-8pm and Sun 8am-4pm
Making a Complaint	+44 1908 375 039	24 hours a day
Lost or Stolen Cards	+44 1908 237 963 (Debit cards) +44 1512 648 725 (Credit cards)	24 hours a day
Typetalk	+44 151 494 1260 (followed by the relevant number above when requested by an operator)	As above for relevant number

(Please bear in mind that international calls will often incur a charge from your operator)^

How can I manage my account abroad?

When you move abroad, you will no longer have access to a branch. The table below explains some of the transactions that can be carried via our Online and Telephone Banking services.

Transaction	Via Online Banking	Via Telephone Banking
Request a Replacement Card	Yes*	Yes*
Request a New Pin	No	Yes*
Activate new Debit/ Credit Card	Yes	Yes
Register for Telephone and Online Banking	No	Yes
Request Replacement Chequebook	Yes*	Yes*
Order Duplicate Statements	Yes	Yes
Setup/ Pay/ Amend/ Cancel Bills, standing orders, direct debits and transfers	Yes	Yes
Set up Account Alerts	Yes	No
Switch to Paperless	Yes	Yes

Whilst abroad, your post will be sent to your new address as normal*. However, it is possible to switch to paperless so you can receive your statements and summaries online. Bear in mind, we will still need an up-to-date contact address so that other items, for example new cards, can be sent to you whilst you are away*.

You will also be able to access ATM machines whilst abroad, though for most accounts this will incur a transaction fee. Click here for more information on using your card abroad. Alternatively, see the question below.

Whilst abroad, as you are unable to access a UK branch, there may be certain transactions that you cannot carry out. Please contact us for more information.

* A small number of our customers who move abroad, move to a country that is considered by us as being at 'high risk' of fraud. If this is the case for you, then we may not be able to complete all the actions shown in the table above. In these instances, we will write to you.

How do I find my IBAN number?

There are a number of ways you can obtain your IBAN number:

In Online Banking: Log on to Online Banking, choose the 'Account Services' tab at the top of the page and select 'Account requests' from the left hand menu. Then click 'View details (BIC & IBAN)'.

On your Paper Statement: It is printed on the first page of your monthly statement under 'your account summary'

By Telephone: Call us on 0845 972 4724^ (+44 1908 237 963). We're available Monday to Saturday from 7am to 11pm and Sunday 8am to 10pm

Can I use my card abroad?

If you're planning a trip abroad, especially outside of the EU, and want to make sure your debit/credit card works just the same as it does at home, it's advisable to discuss your card usage by calling us on 0845 972 4724^ (International telephone number +44 1908 237 963^). We're open Monday to Saturday from 7am to 11pm and Sunday 8am to 10pm.

Can I use my cash card abroad?

You can use your Santander cash card abroad in machines displaying the Cirrus symbol.

You should know that:

- For cash withdrawals, in another currency; you will be charged a non-sterling transaction fee of 2.75% of the value plus a non-sterling cash fee of 1.5% of the value (at least £1.99)

- You are able to make cash withdrawals of up to £300 per day from the Cirrus network

- Only your primary account can be accessed via the Cirrus Network

To find cash machines abroad, visit: www.link.co.uk. Please note, Santander cannot be held responsible for information displayed on other websites.

Can I use my Visa debit card abroad?

You're able to use your Visa Debit Card in the Visa worldwide network of cash machines and with merchants displaying the VISA sign.

You should know that:

- For purchases abroad or online in another currency you will be charged a non-sterling transaction fee of 2.75% of the value plus a non-sterling purchase fee of £1.25 for each transaction

- For cash withdrawals in another currency, you will be charged a non-sterling transaction fee of 2.75% of the value plus a non-sterling cash fee of 1.5% of the value (at least £1.99)

- For adult current account customers paying in at least £500 each month, withdrawals from Santander cash machines in Spain are free of charge.

To search for a VISA cash machine, wherever you are in the world, visit:

http://www.visaeurope.com/personal/findacashmachine/main.jsp

Please note that Santander cannot be held responsible for information displayed on other websites.

Can I use my Santander Credit Card abroad?

You should know that:

- For purchases abroad or online in another currency you will be charged a non-sterling transaction fee of 2.95% of the value of the transaction

- For cash withdrawals, in another currency, you will be charged a non-sterling transaction fee of 2.95% of the value plus a non-sterling cash fee of 3% of the value (at least £3.00)

Please note there is no interest free period on cash withdrawals and interest will be charged from the date of withdrawal

What if I have a Santander Zero credit card?

You are charged absolutely no foreign exchange fees - so what you see is what you pay. This will be the £ Sterling equivalent, depending on the exchange rate at the time of the transaction.

Find out more about using your debit/credit card abroad.

What if I have problems with Santander Secure when I'm abroad?

If you experience any problems registering or using Santander Secure then call the following numbers:

- If your sort code is 09-01-3x then call: 0844 561 9736^ (+44 1908 238 013)

- For any other sort codes then call: 0845 600 4388^ (+44 1908 238 013)

^Call charge information