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Investing without advice

The Santander Investment Hub - a convenient way to invest without advice.
The Investment Hub puts you in control, allowing you to manage your investments at any time online.

You can buy and sell a wide range of investments from Santander UK plc, Santander Asset Management UK Limited and from across the market, to suit your needs and circumstances.

You can also transfer investments currently held elsewhere to the Investment Hub so that you can see and manage your investments in one place.

You can

  • Buy, switch or sell investments when it’s convenient for you.

  • Choose from a range of investments from Santander UK plc, Santander Asset Management UK Limited and around 2,000 funds from the market.

  • View a summary of your investments and look at the detail of what they’re invested in and how they’re performing.

  • View your statements and all documents connected to your investments in your document library.

  • View all your Santander accounts alongside your investments, through Santander Online Banking.

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

If you're not sure about the your investment options, you should speak to a financial adviser. You may want to consider Santander’s Financial Planning Service.
 

Make your money work harder
The right investments for you will depend on your financial objectives and how happy you are taking risks with your money for the potential of greater returns. You may be looking for a regular income, or to grow a lump sum and there are different types of investments available that will do different jobs for you.

The Santander Investment Hub gives you the convenience of buying and selling a wide range of investments and, seeing the value of them when you want, all in one place. You can also move investments you have elsewhere into the Investment Hub.

The Investment Hub offers 2 accounts, designed to hold your different investments;

Stocks and Shares Individual Savings Account (ISA)
For tax efficient investing 
Investment Account
For all your non-ISA investments
Please note that the tax treatment of your investment depends on your individual circumstances and may be subject to change in the future. If you're investing for particular goals you can open several Investment Accounts and name them for different purposes.

The Investment Hub also has a Cash Only Account where the Platform Service Fee for investment funds will be taken from without affecting your investments as long as there is sufficient money available. For details of the Platform Service Fee, please read the Santander Investments Hub - Fees, Charges & Interest rates leaflet

If you'd like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

Buy and manage investments from different providers.
With the Investment Hub you have the convenience of being able to buy and manage a wide range of investments.

The Investment Hub offers 3 ways to invest;

Structured Investments from Santander UK plc.
 
Fund range from Santander Asset Management UK Limited A range of funds from the UK market place
For investors who want investments from Santander UK plc which have a fixed term and capital protection. These investments are subject to availability. Administered by Santander ISA Managers Limited. For investors who want to choose from the full range of funds from Santander Asset Management UK Limited. To help you, each fund has been risk rated by Santander ISA Managers Limited. For investors who want to choose from around 2,000 funds.
To help you, this range only contains funds that meet Santander ISA Managers Limited's selection criteria.
Providing a return of capital after the end of a fixed term with returns based on the stock market index performance. Investing in government bonds, corporate bonds, equities and cash or a combination of asset classes. Including funds specialising in bonds or equities, multi asset funds, country specific funds, tracker funds, property and specialist funds.

You can hold any combination of investments from the ranges above on the Investment Hub. A complete list of investments available can be found on the Investment Hub once you have registered.

You can hold your investments in the 2 accounts available on the Investment Hub:

  • The Stocks and Shares ISA, for tax efficiency. Please note that the tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.

  • The Investment Account, for all your non-ISA investments, with the option of opening a number of accounts for a number of different goals.

     

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

To apply to invest using the Santander Investment Hub you must be:

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

  • 18 years of age or over.

The Investment Hub will allow you to:

  • Buy, switch or sell investments when convenient for you.

  • Choose from a range of investments from Santander UK plc, Santander Asset Management UK Limited and around 2,000 funds from the market.

  • Consolidate investments held elsewhere so everything is in one place.

  • View a summary of your investments and look at the detail of what they’re invested in and how they’re performing.

No financial advice is provided with this option and you’ll need to make your own investment decisions. If you’re unsure, take a look at our Financial Planning Service.

Register

If you’d like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.
 

The value of investments and any income from them can go down as well as up and you may get
back less than the full amount you invest.

 

Important information
Investments should be held for the medium to long term, typically for at least 5 years or more (unless there is a fixed term that applies).

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 credentials, which you will receive in the post within 10 working days.
    In the meantime you’ll be able to use 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.

Important information
Investments should be held for the medium to long term, typically for at least 5 years or more (unless there is a fixed term that applies).

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