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eSaver Issue 11

Access your money anytime

Earn a rate of 1.00% gross/AER (variable) for the first 12 months from when you open the eSaver.

You can save from £1 to £2 million.

You manage the account using online, mobile or telephone banking.

Anyone who is a UK resident and is aged 16 or over can open an eSaver account.

Please read full product details and terms & conditions before applying.

Interest rates and payments

You can have your interest paid into your account monthly or annually on the anniversary of account opening. You'll get 1.00% gross/ AER (variable) interest for the first 12 months from when you open the eSaver savings account. 

There is no cash card, certificate or passbook with this account. The account can be linked to an existing Santander card for use at Santander cash machines.

A 14-day cancellation period applies.

The eSaver (Issue 11) and its interest rates are subject to availability. Rates are variable and effective from 23 July 2013.

What happens after 12 months?

After 12 months the account will become an Everyday Saver account currently paying 0.50% gross /AER (variable) on balances from £1.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more.

Mobile Banking
Bank from anywhere using our apps or by using
Text me the app

Telephone Banking
24/7 banking by phone. Speak to us during the day and in the evenings or use our automated service any time of day. Call us on 0845 609 0014.

Free text and email alerts
You don’t have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. By setting up the alerts you want in Online Banking we can send you a text or email when it happens – such as when your balance goes above or below a certain amount.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Account Alerts

If you are applying for an eSaver online we recommend you save and/or print the documents below. You'll need Adobe Acrobat to view them.

We will always notify you in writing if your Terms and Conditions change. The documents below are the current versions.

Please make sure you read the product terms and conditions, including the product Key Facts Document, before you apply.

You can apply for the eSaver (Issue 11) savings account if you:

  • are at least 16 years of age

  • are a UK resident

  • have at least £1 to deposit when you open your account

Apply online- it takes just 5 minutes

Apply now



Apply by phone
Call 0800 032 4264.

Lines are open 8am to 9pm Monday-Friday and 8am to 4pm Saturday.

How long will it be before your account is open?
If you already bank online with us, your account will be open and you'll be able to see it in Online Banking within 48 hours of submitting your application.

If you need to register for Online Banking, your account will be open within 48 hours and we'll register you for Online Banking automatically. You will have access to your eSaver savings account when you've received all your Online Banking log on details which usually takes about 1 week.

Rates and information correct as at 23 July 2013.

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 or Charity Investment Account, details of your interest rates can be found here.


    If you hold an online savings account, opened with Bradford and Bingley, you can find rate information here.

  • We're sorry to hear that you are thinking about closing your savings account or cash ISA. Please call 08459 724 724. 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.


    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.

    2. By telephone (for current account and savings customers):

    • Call our Telephone Banking line on 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.


    3. In branch:

    • Complete a change of details form by

      • Printing off and completing the Change of details form *

      • Requesting a copy of the form by calling us on 08459 724 724. 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 08459 724 724 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 


  • If you are eligible for gross interest because you are a non-taxpayer, then registering for gross interest is simple. Simply speak to a member of staff by visiting your local branch or calling 0845 609 0014.

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.

Net rate explained
The net rate is the interest rate we pay after deduction of income tax at the rate specified by law (currently 20%). Interest is paid net of basic rate income tax unless you register to receive interest gross.

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