Get an instant answer to your question by viewing frequently asked questions about loans.
Not necessarily. This is the representative rate we offer to the majority of people we offer loans to of this size.
How your rate is decided
When you apply we do a credit assessment. This will affect the rate we offer you which may be different to the representative rate.
Get an idea of your loan repayments
The loan calculator uses the representative rate to give you a guide as to what your repayments will be.
Find out exactly what we can offer you
You need to apply for a Personal Loan so we can do the credit assessment. This credit search will appear on your credit file. You’re under no obligation to take the rate we offer you.
You can pay a Personal Loan off or make overpayments at any time. Depending on the loan you’ve taken, we may charge you to do this.
Find out how much it would cost to repay your loan in full or make overpayments
Call us on 0845 602 2713 and press option 2, 8am to 7pm Monday to Friday or 9am to 2pm Saturdays.
Please contact our team of specialist PPI complaint handlers on 0845 600 6014. Lines are open 8.30am to 5.30pm Monday to Friday.
It can help to have your PPI policy number to hand but we can find this for you if you don’t have it by using your name, date of birth and address at the time you took the policy out.
We’ll take the details of your complaint and advise you of the next steps.
To help us understand your complaint fully and process it quickly you can download and complete a PPI Questionnaire
If you’re unsure whether you have/had PPI
We can confirm this if you call us on the number above.
The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.
You can also change it by telephone or in branch.
Log on and update your details instantly from within the "My Details & Settings" tab.
Choose 'Change personal details' from the left hand menu and then click 'Change address'.
Enter your new details (including postcode) and follow the onscreen instructions.
Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.
Complete a change of details form by
Take the form to your local branch together with relevant account documentation:
Your cash card, passbook or certificate and;
Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).
If you would like to discuss our identification requirements please call us on 08459 724 724and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.
Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.
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This is a system we use to help us decide whether we can lend you money and is also used by most other banks.
A credit score uses the information in your application, such as:
any financial commitments you have
We'll also take into consideration how you manage any Santander accounts you have and we'll make credit checks with credit reference agencies to find out how you've managed credit before.
There are four steps you should take before moving abroad
Moving abroad may have an impact on the accounts you have with Santander, in particular the benefits provided as part of the account and methods of repayments.
The table below lists by product any impact that could affect you by moving 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 the R105 form to us which is available on the HMRC website.
Impact of moving abroad on accounts
123 Current Account
Premier and Premier Direct Current Accounts with European Travel Insurance
Savings Accounts, Fixed Rate Bonds, ISAs and Investments
Fixed Rate Bonds
|Cash ISAs, Investments ISAs and Investments|| |
|Personal Loans|| |
1|2|3 Credit Card
Debit cards - 08459 724 724 (+44 1908 237 963) Lines open 7am to 11pmMonday to Saturday and 8am to 10pm Sundays.
Credit cards - 08456 021 582 (+44 1512 648 725) Lines open 7am to 11pmMonday to Saturday and 8am to 10pm Sundays.