Santander UK at a glance

Our business model is focused on building customer loyalty, through being digital first with a human touch.


  • We provide high quality, seamless service across our branch network, digital and telephony channels

  • 14 million

    active UK customers

  • 444


  • £206.7bn

    customer loans

  • £193.6bn

    customer deposits

  • c.19,800

    full time equivalent employees

  • 7 million

    digital customers

  • We offer innovative products and services to help people and businesses prosper                                                    

  • Our aim

    To be the best open financial services platform, by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities.

  • Our purpose

    To help people and businesses prosper.

  • Our how

    Everything we do should be Simple, Personal and Fair.

  • We manage our business through three customer business segments, supported by the Corporate Centre

  • Retail & Business Banking

    Retail & Business Banking provides UK mortgage lending and banking services and unsecured lending to individuals and small businesses.

  • Corporate & Commercial Banking

    Corporate & Commercial Banking provides banking products and services to SMEs, midsized and larger corporates.

  • Consumer Finance

    Consumer Finance provides prime auto consumer financing for individuals, businesses, and automotive distribution networks.

Our business model

What we do

We provide financial products and services 

Mortgages, consumer auto finance, unsecured loans, credit cards, banking and savings accounts, investment and insurance products for individuals and growth-focused support and services for companies.


Our competitive advantages

Scaled and established bank in the UK

Scale in our core banking businesses combined with an innovative mindset. 

Part of a global banking group

Synergies from Banco Santander’s expertise, operating model and technology.

Strong balance sheet with a prudent approach to risk

High asset quality across all portfolios and capital metrics well above regulatory requirements.

A talented and motivated team

A highly engaged team with the right skills.

Our strategic priorities

Be customer centric and increase customer activity

Focus on simplification, automation and digitalisation

Create value and be disciplined with capital allocation

Become a more sustainable and responsible bank




At Santander, we collaborate with over 1,300 suppliers and intra-group companies who support us in running our business effectively. Together, we work towards achieving our purpose to help people and businesses prosper in a simple, personal, and fair way.

Learn more about our commitment to our suppliers.


We believe that our business performance should not be considered separately from the prosperity of all our stakeholders and sustainability of the wider environment

See our sustainability microsite for more information.


We want to help people and businesses prosper and aim to do so by being Simple, Personal and Fair in everything we do


We aim to deliver a long-term, sustainable return for our shareholders while helping people and businesses prosper


We aim to create a thriving workplace that attracts, retains and rewards talented and committed people. Our culture promotes inclusion and diversity, prioritises wellbeing and develops the skills of our people


We support and invest in communities across the UK to foster sustainable economic growth