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What happens after I’ve applied for my current account?
 
For online applications
If your application is successful we’ll email you within 5 working days to let you know either that:

  • your account is open (we'll include your account details and then issue your card and PIN within 7-10 working days), or
  • we need extra ID - we'll explain how you can send it to us.

If we've opened your account we'll also include a form which you can use to order a chequebook if you want one.

If you're not already registered for Online Banking you'll receive log on details in the post 4-6 working days later. 
 
For phone applications
If we were able to confirm your identity when you called us
we'll open your account and let you have your account details straight away. We'll follow up your phone call with a letter confirming the information we spoke to you about.

If we told you that you had to send extra ID we'll send you a letter explaining what to send and where.


If your application is unsuccessful
We'll write to you to confirm we can't offer you a current account.  
 

Checklist


Why am I being asked for further ID?
By law, we must check the identity of each new applicant, even if you're already a Santander customer.
We can often ID you electronically. Sometimes though, for instance if you've recently moved house or aren't on the electoral roll, we'll need to ask you to provide documents (such as passport, drivers licence etc) that prove your identity.

What ID do I need to send?
Here's a list of the types of ID we accept. You'll need Adobe Reader to open it, you can download it from Adobe's website

What's the freepost address for sending ID? 
Freepost RRTL-RXRL-JUEA,
Santander Account Openings
9 Nelson Street
Bradford
BD1 5AN

Remember to:

  • Send photocopies, not originals 
  • Photocopy the front and back of documents 
  • Write your reference number, name and date of birth on each photocopy.

Why can't you offer me a current account?
We credit score your application using the information you've given us in it, any information we already hold about you and information we get from Experian, a credit reference agency. We decide whether to let you have an account based on your credit score and whether you meet our criteria. Unfortunately if you don't meet the conditions we're unable to offer you a current account.

See what information is held about you at the credit reference agency we use
If you’d like to see the information the credit reference agency we use has about you, you can apply for a Statutory Credit Report from Experian. You'll have to pay a small fee.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.