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Investments

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Find answers to common investments questions here, along with guides and other useful information.

 

If you can't find the answer to your query, just give us a call. The best telephone numbers to contact us on for investment queries are below.

Frequently Asked Questions

  • Once you have registered for the Investment Hub, we’ll send log on details to your registered email address. Once you receive these you’ll be able to log straight on to the Investment Hub. Then from there if you are;

     

    An existing Santander Customer with Online Banking credentials
    Within 24 hours of registering, the Investment Hub will be on your list of Santander accounts.
    When you click on the Investment Hub link it will open in a new window, and keep your Online Banking page open, until you sign out of either page.

     

    New to Santander
    Your Investment Hub registration will generate your Santander Online Banking log on details, which you will receive in the post within 5 working days.

     

    In the meantime you can log on here using the username and password issued to you when you registered for the Investment Hub.

  • You can view your total investment holding on Santander Online Banking and further details of the investments you hold in your Investment Hub. This will reflect the latest prices we have for the different investments you hold. 

     

    Twice a year we’ll issue a statement showing the value of your investment. It’ll also include details of any money that you’ve paid in or taken out during the statement period. 

  • You can pay in a lump sum or make regular monthly payments.
    Lump sum payments:

    • The minimum is £100 per fund.

    • There is no maximum amount. 

     

    Regular payments:

    • The minimum is £20 per month, paid by Direct Debit.

    • There is no maximum amount. 

     

    You can choose to make your regular payments on any day of the month from 1st to 28th inclusive and you can stop or change your regular payments, including amounts and dates, at any time. You can’t set up regular payments into a Structured Investment.

     

    Please note if you are investing into a Stocks and Shares ISA on the Investment Hub you can only invest up to the ISA limit for the current tax year. 

  • Yes. Each account you hold on the Investment Hub must have at least £100 worth of investments and cash in it. This means that if you want to withdraw partial amounts from an account, you must keep at least £100 invested. Any money removed from an ISA will lose its tax efficient status.

  • There is a fee for using the Investment Hub, this is called the Platform Service Fee (payable to Santander ISA Managers Limited ) for administering and servicing your account. This fee is based on the total value of funds you hold through us, so the more you invest through us, the lower the percentage fee you pay.
    If you invest in a Structured Investment there is a one-off Platform Service Fee, which is taken within three days prior to the commencement date of the investment.

     

    For Investment Funds there is a charge (known as the annual management charge) taken by the respective Fund Provider to cover the management of your chosen Fund.  In addition there will be other costs associated with the running of the fund. The total estimate of both of these costs is known as the Ongoing Charge Figure (OCF), an industry standard measure which helps you compare charges on funds, and is displayed and explained on a Fund’s Key Investor Information Document (KIID). 

     

    For the details of the charges, please read the Santander Investment Hub – Key Features Document, and for details of the Platform Service Fee, please read the Santander Investments Hub - Fees, Charges & Interest rates leaflet

  • Yes, you can invest by moving in investments you hold with other providers (this is known as re-registration). 
    The advantage of this is that you don’t need to sell the investments you hold for cash, which might result in additional costs and tax implications for you.

     

    However you should check a number of important things first before you consider this:

    • Will your current provider charge you to re-register with us?
      We won’t charge you for this.
       

    • Is this investment available to hold on the Investment Hub?
      Please contact us on 0800 328 1328 to check this. If the Hub doesn’t offer your investment, we can’t accept it. 
       

    • Are the charges you pay less in the Investment Hub?
      You should check if you’ll be better off by moving into the Investment Hub. This may depend on the value of the funds you are moving into the Investment Hub.

  • Yes, any money you’ve saved in previous tax years in another ISA can be transferred into our Stocks and Shares ISA, subject to your current provider’s terms and conditions. This doesn’t count towards this tax year’s ISA limit.
    You can also transfer all of the money you’ve paid in during the current tax year, which does count towards this tax year’s ISA limit. Please note that the transfer must be completed before you make a contribution to our Stocks and Shares ISA.

     

    However you should check a number of important things first before you consider this:

    • Will your current provider charge you to transfer to us?
      We won’t charge you for this.

    Please note that if the markets move before the transfer is complete, or while your money is held as cash, then you may not benefit from growth that you might have experienced had you not transferred your ISA.

     

    • Are the charges you pay less in the Investment Hub?
      You should check if you’ll be better off by moving into the Investment Hub. This may depend on the value of the funds you are moving into the Investment Hub.

     

    If you remove any cash from your ISA without making the proper arrangements to transfer, you’ll lose the tax-efficient status of that money. 

     

    Please note: If you’re transferring money you paid in to an ISA with flexible features in the current tax year you must transfer all of it. Your existing ISA provider will tell Santander how much of your ISA allowance you have left.

Contact us

  • Call us on 0800 085 1644 to arrange a meeting.
    Lines are open Monday to Friday 8am to 6pm and Saturday 8am to 4pm.

     

    Our Financial Planning Service is available to customers who want investment advice and who are looking to invest over the medium to long term, typically for at least 5 years or more in an attempt to maximise returns on their money and have:

    • at least £50,000 to invest, or

    • have a minimum of £25,000 to invest which, in addition to existing Santander investments, will result in at least £50,000 invested. 

    If you feel investing isn't right for you, or you don't meet the eligibility criteria, you might be interested in our savings accounts with instant access for flexibility, or a fixed term for a guaranteed rate of interest.

  • To apply for the Investment Hub:

    • You must be UK resident. (We accept non-UK nationals resident in the UK for tax purposes but not US nationals.)

    • You must be are 18 years of age or over.

    No financial advice is provided with this option and you’ll need to make your own investment decisions. If you are unsure, see our Financial Planning Service.

     

    Apply

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