Digital Investment Adviser

Quick and simple online advice to make your money work harder

Investment Hub

What you can get

  • Personalised advice for £20, at a time that suits you
  • Invest from £20 per month
  • Invest lump sums from £500 to £20,000
  • Use your ISA allowance
  • Check your investment performance through Online Banking
  • 4 funds managed by Santander Asset Management

Eligibility

  • You're 18 years of age or over
  • You're a UK resident

 

Santander Asset Management has €178bn under management for customers in ten countries. Benefit from their expertise through our investment funds.

You don’t need any experience in investing to use the Digital Investment Adviser. It will ask you some simple questions to understand your attitude to risk. Depending on your answers it may recommend one of our 4 multi index funds and show you how your money may perform in the future. You can invest from £20 a month.
 
If at any point the Digital Investment Adviser doesn’t think investing is right for you it will let you know. When you’ve answered the questions, and if you decide to buy your Suitability Report it will tell you which funds we recommend you invest in and give you your projection showing the potential return of your investment at your target time. 
 
You’ll receive your recommendation in your personalised Suitability Report which you can choose to buy for £20 at the end of the questions. You can check how your investment is performing whenever you like with 24/7 access. 

How to use the Digital Investment Adviser

You can only use it through our Investment Hub, it’s free to register for the Hub but you’ll need your National Insurance number to hand. 

Investment management fees

Your investments will be held and managed in the Investment Hub. We charge you a service fee based on the value of your investments, it’s payable every 6 months. Read more about our fees

These are the 4 funds the Digital Investment Adviser can recommend within the Suitability Report. They’re managed by Santander Asset Management. They invest in a range of index-tracking funds and have varying levels of risk.

Fund name and factsheet

About the fund

Multi Index fund 1

To invest predominantly in passive, index tracking collective investment schemes. The fund’s exposure to global equities will never exceed 30%.

Multi Index fund 2

To invest predominantly in passive, index tracking collective investment schemes. The fund’s exposure to global equities will never exceed 50%.

Multi Index fund 3

To invest predominantly in passive, index tracking collective investment schemes. The fund’s exposure to global equities will never exceed 70%.

Multi Index fund 4

To invest predominantly in passive, index tracking collective investment schemes. The fund’s exposure to global equities will never exceed 90%.

If you haven’t used any of your annual ISA allowance the Digital Investment Adviser will recommend a stocks and shares ISA as this gives you a tax efficient way to invest. 
 
If you have fully or partially subscribed to your ISA, the Digital Investment Adviser will instead recommend an Investment Account

View your investments 

Check how your investments are performing alongside your other Santander accounts through Online Banking. Just click on Investment Hub.

Already registered for Investment Hub?

Log on now

Your Online Banking will show you your total investment value, then when you click through to the Investment Hub you’ll also be able to see: 

  • what investments you have
  • how they’re performing
  • the latest prices we have for them

 
We’ll also send you quarterly statements showing your investment value.

Fees, charges and key documents

Learn more about investing

Investing not for you?

Want to invest more than £20,000?

For investments over £20,000, our team of Financial Planning Managers may be able to offer you investment advice. Our experts give you personalised advice and recommendations based on your situation.

Choose your own investment

Our Investment Hub makes it simple to open our Stocks and Shares ISA or an Investment Account. Choose from a wide range of investment funds and start with either a lump sum or monthly payments. No advice is provided.

Why choose Santander?

Investment Life & Pensions Moneyfacts Award 2018
Investment Life & Pensions Moneyfacts Award 2019