Get an instant answer to your question by viewing frequently asked questions about savings & investments.
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.
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
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
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 www.gov.uk/taxfreesavings.
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 0845 609 0014, lines are open Mon to Sat 7am -11pm, Sun 9am -10pm.
There are 4 steps you should take before moving abroad.
1. Review your accounts
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|| |
|Credit Cards|| |
|123 Credit Card|| |
2. Sign-up for Online Banking and Telephone Banking
Before you leave you should sign up for Online and Telephone Banking as both will help you manage your account remotely when you are no longer able to access a branch.
Go to Register for Online Banking for more information on Online Banking and how to register.
Please note that our Online and Telephone Banking services are not available for all products.
3. Register for Account alerts
In order to register for our Account alerts service, you need to be able to log on to Santander Online Banking.
If you're already registered for our Online Banking Service, you'll find details on how to set up your alert service in the 'Account Services' tab.
4. Update your contact details
It is important that you make sure your contact details, especially your mobile telephone number, are up to date, so that Santander can contact you while you are abroad should we suspect fraudulent activity on your account.
The easiest way to do this is to send us a secure message via Online Banking, visit your local branch, or call:
08459 724 724 (+44 1908 237 963). Lines are open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.
08456 021 582 (+44 1512 648 725). Lines are open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.
Santander UK, as with other UK banks is covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors, including most individuals and small businesses, are covered by the scheme.
In respect of deposits, including cash ISAs, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank, including their share of any joint account and not to each separate account.
For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website www.FSCS.org.uk or call the FSCS helpline on 020 7741 4100 or 0800 678 1100.
For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website www.FSCS.org.uk or call the FSCS on 020 7741 4100 or 0800 678 1100. Please note only compensation related queries should be directed to the FSCS.
Santander UK plc is an authorised deposit taker and accepts deposits under the Santander and cahoot trading names. In the unlikely event of a claim, the maximum compensation levels above would apply to the combined total of all deposits held with Santander UK plc (including cahoot).
If you think you may have lost or forgotten about an old savings or bank account, we can help.
An account becomes dormant when you do not make any transactions on your account:
for one year in the case of current accounts or;
for three years in the case of savings accounts
This means that we will stop sending you statements, letters and cards.
To track down any accounts you may have, simply take one of the following steps:
If your account is Dormant, visit any Santander Branch and speak to our team. Please bring any account documentation, such as a passbook or statement. You’ll also need some form of identification, for example a passport or driving license.
If you are unsure if your account is Dormant, or you have found a passbook or old statement, you can call us on 08459 724 724 or visit any Santander branch with identification. Lines open 7am to 11 pm Monday to Saturday and 8am to 10pm Sundays.
If you are aware of a bank or building society holding an account then you should first approach that bank or building society direct to see whether the account is still open.
If it is not, then you can go to http://www.mylostaccount.org.uk to either complete an online request or download a dormant account form from the site, and send it to Santander at:
Santander Savings Correspondence, CST 1 PO Box 1109,Bradford, BD1 5ZJ
You can follow their guidance or use this service to search for a dormant or lost account. This service helps with the search of accounts that are no longer on the live or open part of the bank or building society's customer records and instead are being maintained as part of their record of lost or dormant accounts.
Unclaimed Assets Scheme
We participate in the unclaimed assets scheme established under the Dormant Bank and Building Society Accounts Act 2008. The purpose of the scheme is to enable money in dormant accounts (i.e. balances in accounts that have been inactive or dormant for 15 years or more) to be distributed for the benefit of the community while protecting the rights of customers to reclaim their money.
Under the scheme, we may transfer balances of dormant accounts to Reclaim Fund Ltd (RFL). RFL is a not for profit reclaim fund which is authorised and regulated by the Financial Conduct Authority.
If we transfer the balance of your account to RFL, you will have against RFL whatever right to payment of your balance you would have had against us if the transfer had never happened. However, we will remain responsible for managing all aspects of the customer relationship with you and for handling all repayment claims (which we will do on behalf of RFL). Therefore, you should continue to contact us in the usual way if you have any queries or complaints in relation to your account or balance.
Both we and RFL participate in the Financial Services Compensation Scheme (FSCS). The transfer by us to RFL of your balance will not adversely affect any entitlement you have to compensation from the FSCS.
Charges apply when you use your cash card abroad.
|Scenario||Fees or charges|
|Withdrawing money (foreign currency) and purchasing traveller's cheques |
Withdrawing cash abroad (either in a bank or at a cash machine), or purchasing traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Cirrus/Plus signs) in a currency other than Sterling
|You will be charged a non-Sterling transaction fee of 2.75% of the value plus a non-Sterling cash fee of 1.5% of the value (at least £1.99)|
Illustrative cost examples based on a €100 (Euro) transaction
|Transaction||Transaction value||Non-Sterling transaction fee||Non-Sterling purchase fee||Non-Sterling ?cash fee||Total cost|
|Debit card and Cash card cash withdrawal ||€100*||2.75%||n/a||1.5% (min £1.99)||£90.33|
^Visa exchange rate of €1 = 0.859801 as at 03 June 2013
The exchange rates reflect the rate applicable when the scheme processed the transaction and not the date on which the transaction took place.
When you use your cash card abroad in a currency other than Sterling, we convert the amount to Sterling using the exchange rate set by Visa or MasterCard (subject to card type) on the date the money is taken from your account. Visa exchange rates can be found at www.visaeurope.com and MasterCard exchange rates can we found at www.mastercard.com
Daily cash withdrawal limits apply. See Interest Rates and Fees Information for full details.