Think smarter about growing your money

Take the hassle out of investing. Do it your way from as little as £20 per month with our ready-made funds.

Ready-made investments

Capital at risk. Investments should be held for the medium to long term (5+ years). Fees apply.

Can’t wait to buy your own 4 walls?

A £10k deposit could get you the keys to your first home with My First Mortgage.

Exclusions apply. Subject to status and lending policy. You may lose your home if you don't keep up with your mortgage payments.

Explore My First Mortgage
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Get a £25 gift card

Take out an All in One Credit Card and get a £25 Prezzee eGift card. Offer may be withdrawn at any time and only available on our mobile app. T&Cs apply. Credit is subject to status. Monthly fee applies. 29.8% APR representative (variable).

Take me to the offer

Help protect the ones you love

Get £100 cashback on new life insurance policies. Or £150 if you have a mortgage or any current account from the Santander Edge range. T&Cs apply. This offer can be withdrawn at any time. Cover provided by Aviva.

Get a quote

Support for Personal customers

Sip, snack, save!

Get a home insurance quote and get a £5 e-voucher. Spend at Costa Coffee, Starbucks, Deliveroo or Just Eat.

Cover provided by Aviva. T&Cs apply​. Offer can be withdrawn at any time. 


 

Simplify your finances

Credit card, store card or loan balance elsewhere?  We have loans from £1,000 to £25,000. Find out if you're eligible using our checker in as little as 5 minutes.  Credit subject to status.

Help when you need it

We're here if you need tips on budgeting, have missed a payment or are struggling to keep up.

Access to cash

Find out how you can access cash in your local area

Financial support

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Independent service quality survey results

Personal current accounts (GB)

Published February 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Take a look at the latest published results

Overall service quality scores from customers in Great Britain who were asked how likely they'd be to recommend their personal current account provider to friends & family. Rankings: 1. Monzo, 82%; 2 Starling Bank, 77%; 3 Nationwide, 75%; 4. first direct, 74%; 5 Chase, 72%; 12 = Santander, 57%

Personal current accounts (NI)

Published February 2026

As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 12 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Take a look at the latest published results

Overall service quality scores from customers in Northern Ireland who were asked how likely they'd be to recommend their personal current account provider to friends & family. Rankings: 1 Monzo, 81%; 2 Nationwide, 78%; 3 Starling Bank, 75%; 4 HSBC UK, 71%; 5 Chase, 69%; 8 = Santander, 60%

Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Santander’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Report published in February 2026.