Legal information

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

Who we are and how to contact us

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk is a site operated by Santander UK plc. Telephone 0330 9 123 123. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.
 

By using our site you accept these terms

By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

If you do not agree to these terms, you must not use our site.

We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy which can be found at: https://www.santander.co.uk/personal/support/customer-support/legal-information. See further under the paragraph headed “How we may use your personal information” below.

Users of our online banking services will be subject to our online banking terms and conditions as detailed on our site.

If you purchase goods and services from our site, our terms and conditions applicable to such goods and services will apply as detailed on our site.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time. These terms were most recently updated on 29 July 2024. 

We may make changes to our site

We may update and change our site from time to time to reflect changes to our products, our regulatory requirements, our users' needs and our business priorities. We do not need to give you notice of this.

We may suspend or withdraw our site.

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation.
 
Our site is only for users in UK
 
Our site is directed to people residing in the UK other than for the purpose of accessing USA Patriot Act certifications. Products advertised on these pages are only intended for sale to UK residents and mortgages are only available on properties in the UK. We do not represent that content available on or through our site is appropriate for use or available in other locations.

How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any pages from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site. This includes using (or permitting, authorising or attempting the use of):

• Any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the site or any data, content, information or services accessed via the same.
• Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of The Copyright, Designs and Patents Act 1988.
 
This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
 
Do not rely on information on this site

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. We are not liable for any damage or losses caused by your reliance on the content of our site. 

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by Third Parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

We accept no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. We accept no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.

The use of Third Parties is in line with their terms and conditions. Third Party content and services aren’t in our control. We can’t accept any responsibility for services you get from them.

We might need to share data with Third Parties. If we need to, we’ll do so using the appropriate legal basis. We may need your consent for this. Please see our Privacy Policy for details. 

We provide links to third-party websites to make services easy to use. We have no control over those sites. We don’t control any content, products or services available on Third Party sites. We don’t guarantee that the sites or services will be available.

Third Party sites might have different privacy, security and access standards. When you visit a Third Party site, we suggest that you check their terms and conditions, Privacy Policy and security policy. 

We’re not liable for services, or parts of the services, provided by Third Parties or parties they work with.

We’re not responsible for any financial products shown to you by any Third Party.

“Third Party” or “Third Parties” means the third parties we work with to provide services.

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user:

• We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
• Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our terms and conditions of supply as available on our website.

If you are a business user:

• We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
  • loss of profits, sales, business, or revenue;
  • business interruption; 
  • loss of anticipated savings; 
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user:

• Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
• We will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
   

How we may use your personal information

We will only use your personal information as set out in our Privacy Policy which can be found at: https://www.santander.co.uk/personal/support/customer-support/legal-information.

Users' responsibility for information security
 
We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for updating and securing your technology systems, software and platforms from which you access our sites and applications. You should use your own fully updated anti-virus software to protect you from any potential threat.
 
You must not misuse our site by knowingly introducing any malicious or technologically harmful pieces of code or software. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately. 

Rules about linking to our site

You may link to our home page, provided you do so in a way that complies with the following conditions and is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not misrepresent your relationship with us nor present any other false information about us.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

You must not remove, distort, or otherwise alter the size or appearance of any images or logos.

You must not use any trademarks displayed on the site without our express written permission.

You must not have any content on your website that is distasteful, defamatory, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

We reserve the right to withdraw linking permission without notice.

Which country's laws apply to any disputes?

These terms of use, their subject matter and their formation, are governed by the laws of England and Wales. You and we both agree that the courts of England and Wales will have exclusive jurisdiction in respect of any dispute arising hereunder except that if you are a resident or incorporated in Northern Ireland proceedings may also be brought in Northern Ireland, and if you are resident or incorporated in Scotland, proceedings may also be brought in Scotland.

Financial services compensation scheme

Santander UK plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. This replaces previous compensation schemes. For further information please contact us or visit the Financial Services Compensation Scheme website at: www.fscs.org.uk.
 
The Standards of Lending Practice

Santander UK plc in the UK adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

We are Santander UK plc, the data controller. You can contact our Data Protection Officer (DPO) at 201 Grafton Gate East, Milton Keynes, MK9 1AN if you have any questions. 

This is our Privacy Policy which explains how we obtain, use and keep your personal data safe in relation to the Santander website (santander.co.uk), Santander Online Banking website and Santander mobile app(s) for Personal, Business and Corporate customers, Santander Investing website (https://www.santander.co.uk/personal/savings-and-investments/investments) and Santander Investment Hub website (investmenthub.santander.co.uk). 

Your personal data is data which by itself or with other data available to us can be used to identify you. 

We're committed to keeping your personal information safe in accordance with applicable data protection laws.

The types of personal data we collect and use

The types of personal data we capture and use will depend on what you are doing on the website or mobile apps. We’ll use your personal data for some or all of the reasons set out in this Privacy Policy. If you become a customer we’ll also use it to manage the account, product or service you’ve applied for and we’ll provide you with a separate data protection statement specifically in relation to that as part of the online application journey. Some of the information relevant to that is included in this Privacy Policy for consistency. Examples of the personal data we collect and use in relation to our website and mobile app may include: 

• Full name and personal details including contact information (e.g. home address and address history, email address, home and mobile telephone numbers); 
• Date of birth and/or age (e.g. to make sure that you are eligible to apply for a product or service); 
• Financial details (e.g. salary and details of other income, and details of accounts held with other providers if you apply for a product or service with us); 
• Records of products and services you’ve obtained or applied for, how you use them and the relevant technology used to access or manage them (e.g. mobile phone location data, IP address, MAC address); 
• Information from credit reference and fraud prevention agencies, electoral roll, court records of debt judgements and bankruptcies and other publicly available sources as well as information on any financial associates you may have if you apply for a product or service with us; 
• Family, lifestyle or social circumstances if relevant to the product or service you apply for (e.g. the number of dependants you have); 
• Education and employment details/employment status for credit and fraud prevention purposes if you apply for a product or service with us; and 
• Personal data about other named individuals as required. Where you provide the personal data of others you must have their authority to provide their personal data to us and share this Privacy Policy and any related data protection statement with them beforehand together with details of what you’ve agreed on their behalf.
• Special category data, including data about your health and biometric data (e.g. facial ID,  fingerprints, keystrokes, and voice recordings for Touch ID and voice recognition); 

Providing your personal data

We’ll tell you if providing some personal data is optional, including if we need to ask for your consent to process it. In all other cases, if you fail to provide the requested personal data, we may be unable to process or respond to your application, query or service request. We’ll collect this personal data directly from you when you use this website. Where you go through an application process with us, we may collect some of your personal data indirectly, from other sources. We will tell you about the sources of the personal data in the data protection statement relevant to the specific product. If you provide personal data about another individual, you must have their authority to provide their personal data to us and you must share this Privacy Policy and any related data protection statement with them beforehand together with details of what you’ve agreed on their behalf. 

Monitoring of communications

Subject to applicable laws, we’ll monitor and record your calls, emails, text messages, social media messages and other communications in relation to your dealings with us. We’ll do this for regulatory compliance, self-regulatory practices, crime prevention and detection, to protect the security of our communications systems and procedures, to check for obscene or profane content, for quality control and staff training, and when we need to see a record of what’s been said. If you take out an account or service with us, we may also monitor activities on your account/service where necessary for these reasons and this is justified by our legitimate interests or our legal obligations.

Using your personal data: the legal basis and purposes

We’ll process your personal data: 
1. As necessary to perform your contract with you for the relevant account, product or service: 

a) To take steps at your request prior to entering into it;

b) To decide whether to enter into it;

c) To manage and perform that contract;

d) To update our records; and

e) To trace your whereabouts to contact you about your account.

2. As necessary for our own legitimate interests or those of other persons and organisations, e.g.: 

a) For good governance, accounting, and managing and auditing our business operations;

b) To search at credit reference agencies at your home and business address (if you are a business customer) if you’re over 18 and apply for credit;

c) To monitor emails, calls, other communications, and activities on your account;

d) For market research, analysis and developing statistics;

e) To trace your whereabouts to contact you about your account, and to recover debt you owe us; 

f) For establishment and defence of legal rights; 

g) for the prevention, detection and investigation of financial crime, including fraud, money laundering, and terrorism financing; and

h) To send you marketing communications and for marketing to you in-branch, including automated decision making relating to this. 

3. As necessary to comply with a legal obligation, e.g.: 

a) When you exercise your rights under data protection law and make requests;

b) For compliance with legal and regulatory requirements and related disclosures

c) For establishment and defence of legal rights;

d) For activities relating to the prevention, detection and investigation of crime;

e) To verify your identity, make credit, fraud prevention and anti-money laundering checks; and

f) To monitor emails, calls, other communications, and activities on your account. 

4. Based on your consent, e.g.: 

a) When you request us to disclose your personal data to other people or organisations such as a company handling a claim on your behalf, or otherwise agree to disclosures;

b) When we process any special categories of personal data about you at your request (e.g. your racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, data concerning your health, sex life or sexual orientation); and

c) To send you marketing communications where we’re required to ask for your consent to do so. 

You're free at any time to change your mind and withdraw your consent. The consequence might be that  we can’t do certain things for you. To the extent that action has already been taken based on your consent, withdrawal of your consent will not apply to the processing of your personal data that has already occurred, based on your consent.

Sharing of your personal data

Subject to applicable data protection law we may share your personal data: 

• with the Santander group of companies* and associated companies in which we have shareholdings; 
• with sub-contractors and other persons who help us provide our products and services; 
• with companies and other persons providing services to us; 
• with our legal and other professional advisors, including our auditors; 
• with fraud prevention agencies, credit reference agencies, and debt collection agencies at account opening and periodically during account or service management; 
• with other organisations who use shared databases to do income verification and affordability checks and to manage/collect arrears; 
• with law enforcement bodies; 
• with government bodies and agencies in the UK and overseas (e.g. HMRC who may in turn share it with relevant overseas tax authorities and with regulators e.g. the Prudential Regulatory Authority, the Financial Conduct Authority, the Information Commissioner’s Office); 
• with courts, to comply with legal requirements, and for the administration of justice; 
• with the Financial Services Ombudsman and the Business Banking Resolution Service; 
• with other banks and financial institutions for the prevention and detection of financial crime, including fraud, money laundering, and terrorism financing
• in an emergency or to otherwise protect your vital interests; 
• to protect the security or integrity of our business operations; 
• with other parties connected with your account (e.g. guarantors and other people named on the application); joint account holders will see your transactions; 
• when we restructure or sell our business or its assets or have a merger or re-organisation; 
• with market research organisations who help to improve our products or services; 
• with payment systems providers (e.g. Visa or MasterCard) if we issue cards linked to your account; they may transfer your personal data to others to process transactions, resolve disputes and for statistical purposes, including by sending your personal data overseas; this is necessary to operate your account and for regulatory purposes; and 
• with anyone else where we have your consent or where we have another lawful basis for doing so.

International transfers

In some instances your personal data may be transferred outside the UK and the European Economic Area. While some countries have adequate protections for personal data under applicable laws, in other countries additional steps will be necessary to ensure appropriate safeguards are in place to protect your personal data. These include imposing contractual obligations to ensure these safeguards are put in place or requiring the recipient to subscribe to or be certified with an ‘international framework’ for the protection of personal data. More details can be found in our 'Using My Personal Data’ booklet (PDF - 140 KB)

Online applications 

If you apply for an account online, before you enter any personal details into the online form, we'll tell you how your information will be used in our data protection statement relevant to that account, in the 'Using My Personal Data’ booklet (PDF - 140 KB) and sometimes in the relevant terms and conditions. You’ll be asked to confirm that you have read these and you’ll be asked to agree to our terms and conditions before your application can proceed.

The data protection statement, in conjunction with the 'Using My Personal Data’ booklet (PDF - 140 KB), includes details of the uses we may make of your data, the legal bases we are relying upon to carry out that processing, and who we may share your personal data with. For instance, for credit account applications like loans and bank accounts, we may pass your details to a recognised credit reference agency to help process your application.

We may occasionally send you information about accounts and services which we think would be of interest to you but only where we have your consent or if this is within our legitimate interests (see above for more details about lawful bases). You can choose to stop receiving information at any time by contacting us.

Contacting us by phone

Contact us 

To help us improve our service we may record or monitor phone calls, as explained in the monitoring of communications section, as necessary to comply with any legal obligations and for our legitimate interests.

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Contacting us by email

When you contact us, we may need to collect some personal details like your name, address and phone numbers. Email isn't 100% secure so you shouldn’t send personal data such as your account information using normal email. Please consider another method, such as using chat in Online Banking or calling us, if you need to share personal information.

Emails are stored on our standard internal contact systems which are secure and can't be accessed by external parties. We store this information to identify trends, and for the purposes set out in the monitoring of communications section, as necessary to comply with any legal obligations and for our legitimate interests. For more information on the criteria we use to determine our retention periods, see below.

Automated decision making and processing

We may automatically process your personal information, without human intervention, to evaluate certain personal aspects about you (known as profiling).

In particular, we may analyse or predict (among other things) your economic situation, personal preferences, interests or behaviour. This could mean that automated decisions are made about you using your personal information. For example, we might analyse certain customer demographics, account holdings and account behaviours (such as Direct Debits you have set up on your accounts including those which identify accounts and products such as credit cards and store cards which you hold with other providers/elsewhere) and look at details of transactions relevant to your accounts. We may also analyse events such as the maturity dates of your accounts and opening anniversaries.

In some instances we’ll use automated processing and decision making, where relevant, to decide which of our other products or services might be suitable for you, as well as to produce a personalised price for insurance products, to provide an indication of the price prior to an application being made (please note, publicly available information about you and information about you from third party data sources such as, credit reference agencies, will also be used to provide you with an indication of the price). The personalised price would be presented to you in marketing communications and during contacts with Santander that might be suitable. We’ll look at the types of accounts that you already have with us, as well as your age, where this is relevant to the product, we think you might be interested in. We’ll also conduct behavioural scoring, including by looking at the accounts and products you already have with us and how they are being used, such as account turnover, arrears and other indications of financial difficulties. Where searches are carried out against publicly available data sources and credit reference agencies, these searches may appear on your credit report, but they will not affect your ability to get credit.

You may have a right to certain information about how we make these decisions. You may also have a right to request human intervention and to challenge the decision.

For some insurance products we may use automated decision making to assist the insurer in determining your final insurance premium. The insurer will use an automated underwriting engine to process your personal information and to better assess insurance risk which will generally provide a more accurate price that is relevant to your individual circumstances and needs. The automated underwriting engine will use information including personal information that you provide as well as other information about you held by us, the insurer and other parties. Where the insurer is carrying out any automated decision making it will do so on the basis that is necessary in order for the insurer to enter into the insurance contract with you. You have the right to contest that decision, express your point of view and ask for a human review. Where we carry out any automated decision making for your insurance product, we will ask for your consent during the application process to allow us to do so. You may withdraw your consent at any time by contacting us. Further details can be found in the 'Using My Personal Data’ booklet  (PDF - 140 KB)

Using our calculators, decision tools, guides and budget planners

To use our range of calculators, tools, guides and budget planners, you'll have to give us details of your financial situation and needs. The information we ask for will depend on what type of product or account you're interested in. By providing any personal data you do so on the basis of your consent. You’re free at any time to withdraw your consent but if you do you won’t be able to use these services. 

When you use a calculator, guide, decision tool or budget planner all of the details you provide are anonymous - and once you leave we never store your details, unless, for example, you decide to save a quote.

Using our video services

You can apply for some of our products and services using a video session from your mobile device where you see and hear your Santander adviser in high quality two-way video.

If you use our video services, both the images and the audio will be recorded and may be used for training and monitoring purposes. We’ll use any personal data captured about you for the performance of a contract or/with a view to entering into a contact with you as well as for our legitimate interests for good governance, accounting, managing and auditing our business operations, and to monitor emails, calls, other communications in relation to your dealings with us. Please see the monitoring of communications section for more information and the criteria for retention periods section for more information on the criteria we use to determine our retention periods.

You’re entitled to record your video session only for your own personal use, and you should avoid sharing any footage with third parties or posting it on any websites. For your own privacy and protection, please ensure that your location doesn't include items and images that you don't wish to be recorded.

Using your personal information for direct marketing

We’ll tell you if we intend to use your information for marketing purposes and we'll give you the opportunity to opt out if you want to (unless we need a consent to use your information for marketing purposes – if we do we’ll seek one). If you receive marketing emails and don't want to in future, please use the unsubscribe link within the email and we’ll remove you from future campaigns. Ways to opt out of marketing communications that we send you via other channels, can be found in the 'Using My Personal Data’ booklet (PDF - 140 KB)

Surveys and competitions

We'll treat any survey or competition information you provide with the same high standard of care as we do all other customer information, using any details provided strictly within the terms of the competition and this Privacy Policy.

Cookies

Cookies are small text files placed on your computer, smartphone or other device and are commonly used on the internet. We use cookies and similar technologies to:

• collect information that will help us understand visitors' browsing habits on our website;
• compile statistical reports on website activity, e.g. number of visitors and the pages they visit;
• temporarily store any information which you may enter in tools, such as calculators or demonstrations on our website; and
• in some cases, remember information about you when you visit our site. We may need to do this to provide some of our services e.g. if you use the 'Remember my ID' tool when logging on to Online Banking.

We use cookies to enable us to perform our contract with you (e.g. if you apply for a product online or are an Online Banking customer) and for our legitimate interests (e.g. to help us improve our service). We’ll also ask your consent for non-essential cookies. To find out more about all types of cookies and how to control and delete them, including clearing your browsing history, you can read our cookie policy you can read our cookie policy

Criteria used to determine retention periods (whether or not you become a customer)

The following criteria are used to determine data retention periods for your personal data:

• Retention in case of queries. We’ll retain your personal data as long as necessary to deal with your queries (e.g. if your application is unsuccessful) or for a sensible period in order for us to reply to your online query and then deal with queries you raise upon receipt);
• Retention in case of claims. We’ll retain your personal data for as long as legal claims can be brought and defended.
• Retention in accordance with legal and regulatory requirements. We’ll retain your personal data after your account, product or service has been closed or has otherwise come to an end based on our legal and regulatory requirements.

Your rights under applicable data protection law

Your rights are as follows (noting that these rights don’t apply in all circumstances):

• The right to be informed about our processing of your personal data;
• The right to have your personal data corrected if it’s inaccurate and to have incomplete personal data completed;
• The right to object to processing of your personal data;
• The right to restrict processing of your personal data;
• The right to have your personal data erased (the “right to be forgotten”);
• The right to request access to your personal data and information about how we process it;
• The right to move, copy or transfer your personal data (“data portability”); and
• Rights in relation to automated decision making including profiling.

You have the right to complain to the Information Commissioner’s Office. It has enforcement powers and can investigate compliance with data protection law: ico.org.uk.

For more details on all the above you can contact our DPO, view the ‘Using My Personal Data’ booklet’ (PDF - 140 KB) or ask for a copy in branch.

Find your nearest branch or contact us

Data anonymisation and aggregation

Your personal data may be converted into statistical or aggregated data, which can’t be used to identify you. We may share and sell such anonymised data including in an aggregated format, within and outside of the Santander group of companies, for statistical analysis, research and other business purposes. For example, sharing information about general spending trends in the UK to assist in research. The law says this is not considered to be personal information after it has been anonymised and/or aggregated. 

Group companies

For more information on the Santander group companies, please see the ‘Using My Personal Data’ booklet (PDF - 140 KB)

Changes to this Privacy Policy

We’ll notify you if there are any material changes to this Privacy Policy if required by applicable law or where we intend to process your personal data for a new purpose before we start that new processing activity.

Legal statement about this Privacy Policy

This Privacy Policy is not designed to form a legally binding contract between Santander and users of our website or online services.

Links to other websites

Certain hypertext links in this website may lead you to websites which are not under the control of Santander UK plc. When you activate these, you may leave the santander.co.uk website. These links are provided solely for your convenience and do not represent any endorsement or recommendation by Santander UK plc.

We accept no responsibility or liability for the contents of any website to which a hypertext link exists and gives no representation or warranty as to the information on such websites. We accept no responsibility or liability for any loss arising from any contract entered into with any website to which a hypertext link exists.

No liability for unavailability

We accept no liability for any loss that may arise if the goods or services advertised within this website become unavailable.

Contacting us about our Privacy Policy

Contact us, or write to our DPO at 201 Grafton Gate East, Milton Keynes, MK9 1AN if you have any questions.

Customer responsibility

It is your responsibility to ensure that your computer is virus protected. We accept no responsibility for any loss you may suffer as a result of accessing and downloading information from this site.

Easy ways to protect yourself from danger

There are some things you can do to protect your personal information online. It's by no means exhaustive but will help make sure you don't fall foul of Internet fraud:

1. Never share a One Time Passcode (OTP) with another person, not even a Santander employee.
2. Do not log on using a public computer.
3. Always access Online Banking by typing https://www.santander.co.uk into your web browser and logging on via our website.
4. Never enter your Online Banking details after clicking on a link in an email or text message.
5. Do not send confidential information by email as it’s not secure and there is always a risk it could be intercepted.
6.  If you’re logged into any online service, do not leave your computer unattended. Close down your internet browser once you’ve logged off.
7.  Never download software or let anyone log on to your computer or devices remotely, during or after a cold call.

For more information about staying safe online you can visit Fraud & Security

Secure online services

You can easily identify secure websites by looking at the address in the top of your browser which will begin https:// rather than http://.

All information passed between you and Santander when using our online services is sent using secure industry standard encryption.