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Online Banking

Open whenever you need us

Your money, your way - banking when it suits you
 
Online Banking is here to help you with most of the transactions you need to make in your day-to-day life. Wherever you are, whatever time it is, as long as you have an internet connection, you can log on and manage your accounts.
 
You can use Online Banking across your current accounts, credit cards, savings, Cash ISAs and Flexible Offset Mortgages. Log on any time to:

And so much more.

What’s more, we want to make Online Banking easy to use, so in the ‘How to use Online Banking’ section you’ll find comprehensive instructions on how exactly to navigate to where you need to go to do what you need to do.

Whether it's 1pm or 1am, you can manage your money when it’s convenient for you without leaving your house, with secure Online Banking.
 
You can manage your current accounts, credit cards, savings, Cash ISA and Flexible Offset Mortgage online. The more accounts you have with us the more you can do - depending on your accounts and products you can:
 
View

  • Check your balance, interest rates and fees

  • See what you've done in your online session

  • View and download an ‘Account Summary’ for current accounts which shows all the information you need to complete a tax return

Transact

  • Make payments to people and companies and transfer money between your accounts

  • Check payments due to go out of your accounts and change or cancel them

  • Make lump sum payments, pay more, pay less, withdraw money or request a payment holiday on your Flexible Offset Mortgage

  • Register for Paym, a mobile to mobile payment service that lets you pay people securely using just a mobile number

Manage

  • Set up free email or text alerts and savings goals for your current account and request and manage your overdraft

  • Go paperless

  • See how much of your ISA allowance you have left

  • Order new chequebooks, cards, PINs and statements

  • Ask us about any of your accounts using Secure Messaging

Stay safe

  • Update your phone number, address and other personal details

  • Update your security settings (password, security number, image, phrase and PINs)

  • Find details of how to report lost or stolen cards

You're safe

To keep you secure, we use industry-standard security and encryption, plus lots more.

  • You choose a unique image and phrase
    You see this every time you log on to reassure you that you're on our genuine site.
  • One Time Passcode for extra security
    When you do certain transactions - such as new payments or changes to your personal details - we text you a code (known as a One Time Passcode or OTP) for you to enter online. This lets us know it's you with no need for a separate card reader.
  • Security software, Santander Secure and much more
    To learn more about what we do and what you can do to give your Online Banking maximum protection, take a look at our security factsheet or find out more about our free security software.

Resetting your log on details
If you need to reset your password, passcode, security number or registration number, call us on 
08459 724 724. We’re open 7am to 11pm Monday to Saturday and 9am to 6pm on Sunday.
 
Your questions answered
If you have a question, check our Online Banking frequently asked questions below or call our dedicated Online Banking helpdesk on 0845 600 4388. It’s open 7am to 11pm Monday to Saturday and 9am to 9pm Sunday.

View our call charges

If you have a current or savings account you can register:

Online
You’ll need your card details handy.
Register for Online Banking

By phone
Call us on 08459 724 724. We’re open 7am to 11pm Monday to Saturday and 8am to 10pm on Sunday and you’ll need your security details handy.

In a branch
Bring along your debit card or passbook and some identification. If you’d like to book an appointment please phone 08459 724 724Find your nearest branch
 
If you just have a credit card
Register for Online Banking by calling 0845 602 0350. We’re open 7am to 11pm Monday to Saturday and 9am to 9pm on Sunday.
 
If you just have a Flexible Offset Mortgage
Register for Online Banking by calling 0845 600 0346 and selecting option 6. We’re open 8am to 7pm Monday to Friday and 9am to 2pm on Saturday.
 
View our call charges 

How to use Online Banking

  • To help make Online Banking as easy to use as possible it is separated out into identifiable ‘tabs’ along the top of the screen, such as ‘Payments and Transfers’, ‘Account Services’ and ‘My Details’.
     
    Within each tab, a left-hand-side menu helps you navigate to specific tasks. If you have several accounts, just select the account you want to work on using the drop down menu in the middle of the home screen.

  • Check your rates and fees, go paperless, find details such as your IBAN and BIC numbers, see what you’ve been doing in Online Banking and get information on your existing balances, statements, cheques and credit cards.
     
    Set up alerts to keep up to date with transactions in your accounts.

    Check your accounts (current accounts, savings accounts and credit cards as well as ISA and Flexible Offset Mortgage) between dates over the last 7 years.

    • Go to the My Accounts & Transactions tab

    • Go to ‘View transactions’

    • Use the dropdown menu to select the account you’d like to view transactions for

    • You can also view transactions by amount or type using the ‘advanced search’ link in the middle of the page. To view transactions between specific dates use the date boxes next to ‘View transactions’

    Check out how much you’ve put into your Cash ISA at any given time.

    • Click on your ISA account from the Online Banking homepage

    • ‘Contributions to date’ are detailed at the top of the screen

    • You can also see how much you can still put into your ISA, under ‘Contributions remaining’

    Set up free text and email alerts to let you know when your balance goes above or below specified amounts, get weekly balance alerts and a reminder when your credit card payment is due.

    • Go to the ‘Account services’ tab

    • ‘Account alerts’ is in the left hand menu

    • Clicking this link will take you to a screen where you can register for alerts, or use the drop down menu to amend or cancel your alerts

    • You will need your registered mobile phone to hand as, for security reasons, we’ll send you a One Time Passcode

    Let us know if you have a new phone number, mobile number or email address.

    • Go to the ‘My Details & Settings’ tab

    • Click the link on the left hand menu, ‘Change personal details’

    • Go to the ‘Change contact details’ link

    Make sure you still get any post from us if you move house.

    • Go to the ‘My Details & Settings’ tab

    • Click the ‘Change personal details’ link in the left hand menu

    • Click the ‘Change your address’ link

    Get in touch so that we can put your new name on your accounts and communications from us.

    • Go to the ‘My Details & Settings’ tab

    • Click the link on the left hand menu, ‘Change personal details’

    • Click the ‘Change your name’ link. For security reasons you’ll need to download and print a form and bring it into a branch with proof of your identity. Print the form now

    These are your Bank Identifier Code and International Bank Account Number - often required for international transactions.

    • Click on the ‘Account Services’ tab

    • Go to ‘Account requests’ on the left hand menu

    • ‘View details’ (BIC and IBAN)

    Request an overdraft, an extension or reduce your overdraft. You will need your registered mobile phone to hand as, for security reasons, we will send you a One Time Passcode for these transactions.

    • Go to the ‘My Accounts & Transactions’ tab

    • Go to ‘Manage Overdraft’ in the left hand menu

    • You can now select the account you’d like to manage the overdraft for and request a new overdraft limit

    • We’ll give you an instant online decision and send a confirmation letter to your registered address

    Check what charges your accounts carry.

    • Go to the ‘My Accounts & Transactions’ tab

    • Click ‘View charges’ in the left hand menu

    Go green and view your statements online instead of on paper. You will need your registered mobile phone to hand as, for security reasons, we’ll send you a One Time Passcode.

    • Go to the ‘My Accounts & Transactions’ tab on the left hand side of the page

    • You will see ‘e-Documents’ near the end of the menu

    • Click on the ‘change your paperless settings’ link

    • You can also use this page to switch back to paper later if you need to

    Check your electronic versions of paperwork from us, including statements.

    • Go to the ‘My Accounts & Transactions’ tab

    • Click ‘e-Documents’

    See what you have available to spend on your credit card as well as details of any Direct Debits, your repayment options, recent statements and transactions.

    • Go to the ‘Credit Cards’ tab

    • Your summary page is displayed, you can get back to this summary from any other page within the credit cards tab by clicking ‘View credit card summary’ in the left hand menu

    Check your card’s balance, Direct Debits, repayment options, activation status, type, expiration date and many other details.

    • Go to the ‘Credit Cards’ tab

    • Go to ‘View card details’

    Check the details for any extra cards you may have on your credit card account.

    • Go to the ‘Credit Cards’ tab

    • Go to ‘View additional cards’

    Get an extra statement to check what you have spent on your credit card.

    • Go to the ‘My Details & Settings’ tab

    • Go to ‘Other Services’ in the left hand menu

    • Click the ‘Order a duplicate credit card statement’ under the ‘Credit card services’ heading

    Request a new chequebook for your current account simply and easily online.

    • Go to the ‘My Details and Settings’ tab

    • Go to ‘Other Services’ in the left hand menu

    • Go to the ‘Request chequebook’ link

    Check out what you’ve done in your online session in case you’ve forgotten anything.

    • Go to the ‘My Details & Settings’ tab

    • Go to ‘Other Services’ in the left hand menu

    • Go to ‘Online services’

    • Go to ‘View online activity’

    Your Account Summary makes it easy to fill in your tax return, giving you details of interest paid and tax deducted for your current account, savings, cash ISAs and bonds in a tax year.

    • Go to the 'Account Services' tab

    • Go to eDocuments

    • You will see a list of Account Summary options

    Let us know if, for example, you become a non-registered taxpayer.

    • Go to the 'My Details & Settings'

    • Click on 'Change personal details'

    • Click on 'Change your tax status'

    Track your progress towards achieving your savings goals: let us know what you’re trying to save for and your target date for the goal and we’ll help you keep tabs on how close you are.

    • Go to the ‘My Accounts & Transactions’ tab

    • Go to ‘Savings goals’ in the left hand menu

    • Click the ‘Set up a new savings goal’ link to add a new target

    • If you already have goals set up check how you’re doing with the progress sliders and view, amend, delete or transfer money to a particular goal using the dropdown menus

  • Be paid easily, pay others easily. As well as viewing payments you have made, you can schedule new payments, set up or cancel Standing Orders and Direct Debits and register for Paym.

    Pay people or companies easily online: when you have set someone up they will be stored as a payee for the next time you need to pay them.

    • Go to the 'Payments & Transfers' tab

    • Go to 'Set up a new payment'

    • You can either 'Pay a new bill' or 'Pay a new person'

    • If you would like to make regular payments use the 'Set up a Standing Order' link

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

    If a company or person is already set up as a payee on your account you can pay them through Online Banking whenever you like. If you want to amend a payee you will need your registered mobile phone to hand as, for security reasons, we’ll send you a One Time Passcode.

    • Go to the 'Payments & Transfers' tab

    • Go to 'Pay or view existing payees'

    • You will be able to view which people or companies you have set up as payees, see their details and amend or delete payments

    Move money between your different Santander current and savings accounts.

    • Go to the 'Payments & Transfers' tab

    • Click the 'Transfer between my accounts' link

    • Alternatively, use the 'Quick Transfer' box on the left hand side of the page and select the accounts you want to transfer between. Add the amount and hit 'Go' and your quick transfer is complete

    Securely send and receive payments from other Paym users through your mobile phone with no need for account numbers and sort codes.

    • Click on the 'Account Services' tab

    • Click the 'Register to receive Mobile Payments today' link to register to receive payments

    • To send mobile payments you will need to download the Santander Mobile Banking app to your device if you haven't already, then enrol following the steps on screen

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

    Transfer a balance from another card onto your Santander credit card.

    • Go to the 'Credit Cards' tab

    • Go to 'Balance transfer' in the left hand menu

    • You will be able to select the card you want to transfer the balance to, and input details of the card you're transferring the balance from

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

    Pay money into your credit card from another account with Santander or any other UK bank.

    • Go to the 'Credit Cards' tab

    • Go to 'Pay Santander Credit Card' in the left hand menu

    • You’ll now be able to select the card you'd like to pay into, using the drop down menu, and input the details of the account you'd like to pay from

    Make regular payments to people from your account. To set up or amend a Standing Order you will need your registered mobile phone to hand as, for security reasons, we will send you a One Time Passcode.

    • Go to the 'Standing Orders' tab

    • Go to 'View Standing Orders' in the left hand menu to check the Standing Orders you already have set up

    • Go to 'Set up a Standing Order' in the left hand menu if you’d like to set up a regular Standing Order between your own accounts or to another UK account

    • To amend or cancel a Standing Order use the dropdown menu next to the one you'd like to change

    View or cancel Direct Debit payments to companies from your current account.

    • Go to the 'Direct Debit' tab

    • Use the dropdown menu next to each Direct Debit to either 'View details' or 'Cancel'

    Use Direct Debits to pay your credit card bill with regular payments or a one-off payment to clear the balance.

    • Go to the 'Credit Cards' tab

    • Go to 'Set up/amend Direct Debit' in the left hand menu

    • Use the drop down menu to select the credit card you'd like to set up or amend the Direct Debit for

    • Fill in the repayment options and bank account details

    To pay people or companies overseas you'll need your registered mobile phone to hand as, for security reasons, we will send you a One Time Passcode. You may also need your IBAN or BIC details depending on the destination of the payment and a fee will be charged for an international payment. See our terms and conditions for current fees for international payments.

    • Go to the 'Payments & Transfers' tab

    • Click 'International payments' in the left hand menu

  • You can manage your cards by requesting replacements, ordering new PINs or activating a new card. Lost or stolen cards must be reported over the phone, using our 24 hour hotlines.

    For security reasons, you cannot report a lost or stolen card online. 

    • For debit cards please phone 0845 972 4724 or +44 1908 237963 from abroad

    • For credit cards please phone 0845 602 1582 or +44 1512 648 725 from abroad

    Lines are open 24 hours a day, 7 days a week.

    Get a new card when you need one.
    For debit cards:

    • Go to the 'My Details & Settings' tab

    • Go to 'Other Services'

    • Go to the 'Order a replacement debit card' link under the 'Debit card services' heading

    For credit cards:

    • Go to the 'My Details & Settings' tab.

    • Go to 'Other Services'

    • Click on the 'Order a replacement credit card' link under the 'Credit card services' heading

    Get your card working once you’ve received it.
    For debit cards:

    • Go to the 'My Details & Settings' tab

    • Go to 'Other Services'

    • Under 'Debit card services' select 'Activate a new debit card'

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

    For credit cards:

    • Go to the 'My Details & Settings' tab

    • Go to 'Other Services' in the left hand menu

    • Under 'Credit card services' select 'Activate a new credit card'

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

    Get a new PIN posted to your registered address if you have forgotten yours.
    For debit cards:

    • Go to the 'My Details & Settings' tab

    • Go to 'Other Services' in the left hand menu

    • Under 'Debit card services' select 'Request a new debit card PIN'

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

    For credit cards:

    • Go to the 'My Details and Settings' tab

    • Go to 'Other Services' in the left hand menu

    • Under 'Credit card services' select 'Request a new credit card PIN'

    • You will need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode

  • If you have a Flexible Offset Mortgage you can view your mortgage statements, balances, interest rates and credit limits in Online Banking.

     

    You can also request a payment holiday, pay in a lump sum, order statements and carry out many more transactions.

    Check the details of the mortgage you have with us.

    • Go to ‘My Accounts’

    • Select your mortgage

    • The ‘Current arrangements' link in the left hand menu will show you what sort of mortgage you have, including amount and interest rate

    Arrange to pay more, less or a fixed amount each month, depending on your circumstances, or deposit a lump sum.

    • Go to ‘My Accounts’

    • Select your mortgage

    • To pay more, select ‘Pay more each month’ in the left hand menu

    • To pay less go to ‘Pay less each month’

    • To pay a fixed amount go to ‘Pay fixed each month’

    • To pay in a lump sum go to ‘Lump sum payments’

    If you have the funds available in your savings pot you can request a payment holiday or underpay, giving you control over your payments.

    • Go to ‘My Accounts’

    • Select your mortgage

    • Click the ‘Payment holiday’ link in the left hand menu

    • We will let you know, subject to your available funds, whether you can take a payment holiday

    Ask for mortgage statements to see your payment and transactions history.

    • Go to ‘My Accounts’

    • Select your mortgage

    • Click the ‘Order statement’ link in the left hand menu

    Take money out of your mortgage if you need to.

    • Go to ‘My Accounts’

    • Select your mortgage

    • Go to the ‘Withdraw money’ link

    • Subject to your credit limit, we’ll let you know on screen whether or not you can withdraw the amount you’ve requested

  • Our customers’ security is paramount to us, that includes making sure you can keep your log on details fresh and change them if you need to. You can change your:

    • Personal ID

    • Security or registration number

    • Password or passcode

    • Image, and

    • Phrase

    We also make sure you’re automatically logged off if your session becomes inactive and give you view only access if you’d like to view Online Banking without being able to make changes.

    • Go to the ‘My Details and Settings’ tab

    • Go to the ‘Change Personal ID’ link

    • You will be asked to confirm any changes you make

    • Go to the ‘My Details and Settings’ tab

    • Go to the ‘Change Security Number’ or ‘Change Registration Number’ link

    • You will be asked to confirm any changes you make

    • Go to the ‘My Details and Settings’ tab

    • Go to the ‘Change Password’ or ‘Change Passcode’ link

    • You will be asked to confirm any changes you make

    Let us know if you get a new phone, or would simply like to change the number you have registered for us to send your One Time Passcodes.

    • Go to the ‘My Details and Settings’ tab

    • Go to the ‘Change OTP service phone number’ link

    • You will be asked to confirm any changes you make

    • Go to the ‘My Details & Settings’ tab

    • Go to the ‘Change Image’ link

    • You will be asked to confirm any changes you make

    • Go to the ‘My Details & Settings’ tab

    • Use the ‘Change Phrase’ link

    • You will be asked to confirm any changes you make

    For security reasons you can block access to your accounts. You can regain access to a blocked account by calling the Online Banking helpdesk on 0845 600 4388.

    • Go to the ‘My Details and Settings’ tab

    • Go to the ‘Block access’ link in the list

    For security reasons you can change your Online Banking settings to ‘view-only’ so that you can see your accounts, but not make any transactions. You can regain access to a blocked account by calling the Online Banking helpdesk
    on 0845 600 4388.

    • Go to the ‘My Details and Settings’ tab

    • Go to the ‘View-only access’ link

  • Secure messages are the safest way for you to get in touch. You can only send a Secure Message when you have entered your security details and messages are encrypted, making them the most secure way of communicating with us.

     

    To quickly send or view a Secure Message just use the contacts box which appears at the bottom left hand side of every screen. You can also click on the 'Help Centre & Contact' tab and you will see links to 'send secure message’ and ‘view secure message'. 

     

    Please make sure you include your name, email address and phone number in any message you send. You can select enquiries and requests from the dropdown menu so that you can:

    • Enquire about new accounts and applications

    • Enquire about balances, statements, cheques and credit cards

    • Enquire about other products

    • Enquire about payments and transfers

    • Get help with Online Banking and our website

    • Change your personal details

    • Make a complaint

    • Make queries about Online Banking or our website

    • Enquire about Mobile Banking

    • Get help with problems accessing your account

    • Switch or transfer your bank accounts

    • Close your account/s

    • Make banking and savings enquiries

    • Make overdraft enquiries

    • Give feedback

       

    We will let you know that we have received your message and will be in touch again as we deal with your request.

Frequently asked questions

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