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Savings & Investments

When it comes to saving and investing, everyone's situation is different

We offer a range of savings accounts and investments.


eSaver (Issue 11)

An online savings account with instant, penalty-free access

  • Unlimited deposits and withdrawals.

  • Save from £1 up to £2 million.

  • Online or mobile access.

Find out more

Everyday Saver

Everyday Saver

A straightforward savings account with instant, flexible access

  • 0.50% gross/AER (variable) interest.

  • Save from £1 up to £2 million.

  • Online, mobile, branch or telephone access.

Find out more

Instant Saver

An instant access branch based account, offering a passbook

  • 0.10% gross/AER (variable) interest.

  • Save from £1 up to £2 million.

  • Online, mobile, branch or telephone access.

Find out more

Fixed Term Bonds

Fixed Rate Bonds

A guaranteed interest rate for a fixed term

  • Choose from 1 and 2 year terms.

  • Save from £500 up to £2 million.

  • No additional deposits, withdrawals or account closures permitted. 

Find out more

Children's savings

Protecting your money

A savings account just for children

  • 0.50% gross/AER (variable) interest.

  • Save from £1 up to £2 million.

  • Branch access.

  • Account can be open in Trust or in a child’s name (aged 7+).

Find out more


Our Financial Planning Service is available to customers who:

  • Can invest over the medium to long term typically for at least five years.

  • Have at least £50,000 to invest, or

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

No investment is risk free. The degree of risk and likely level of return will vary depending on how you invest your money. 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.

Find out more

Want to save tax efficiently?

Check out our range of ISAs.


Compare all cash ISA and Savings accounts

See all of our cash ISA and Savings accounts side by side for easy comparison.


Compare all accounts

Frequently asked questions

  • To find your savings interest rate you can use our Interest Rate Finder.


    If you hold a Fast Access, SIPP Fast Access, Special Reserve, Cash ISA (TOISA), Retirement Investment Account (ANRIA), Santander Shareholder Account, Treasurers Instant Saver or Charity Investment Account, details of your interest rates can be found here (pdf).

  • We're sorry to hear that you are thinking about closing your savings account or cash ISA. Please call 0800 9 123 123. Lines open 7am to 11pm Monday to Saturday and 8am-10pm on Sundays.

  • Your bond maturity date can be found on the bond certificate that was issued to you when you opened the account.

  • 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.

    If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.

    You can also change it by telephone or in branch.

    1. Online Banking (instant):

      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.

    1. By telephone (for current account and savings customers):
      • Call our Telephone Banking line on 0800 9 123 123. Lines open 7am to 11pmMonday to Saturday and 8am to 10pmSundays.
    1. In branch:
      • Complete a change of details form by

        • Printing off and completing the Change of details form (pdf) *

        • Requesting a copy of the form by calling us on 0800 9 123 123. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.

        • Collect a form from your local branch.

      • 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 0800 9 123 123 and 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.

    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free

  • From 6 April 2015 you can get your interest paid gross (without tax deducted) if your income for the tax year is £15,600 or less. Even if you total income is higher than £15,600, you may still be able to get back some of the tax you have paid on your interest. For more information and to check if you’re eligible to register for gross interest go to


    To register for gross interest, simply visit your local branch or log on to online banking – you can manage this under the 'My Details & Settings' tab. Alternatively call 0800 328 3280, lines are open Mon to Sat 7am -11pm, Sun 9am -10pm.

  • Can't find what you are looking for? More help can be found at on the Savings FAQs page.

AER explained

AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.


Gross rate explained
The gross rate is the interest rate we pay before income tax is taken off.

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