We’ve made some changes to how you bank and shop online as a result of new regulation which affects the whole banking sector.
1. Online Banking has a new look
When you log on, you'll notice that the Online Banking log on screens look different to before. We've got a new design and we've made it easier for you to log on.
You'll now only need your Security Number and Personal ID to log on. You won't need Image and Phrase anymore.
2. Extra security when you shop online and for some transactions
If you use our mobile app, you'll be directed to it to authorise purchases using Face ID or Touch ID for iOS users, Fingerprint for Android users, or if you're not set up for biometrics, your Security Number.
If you don't have our mobile app, you'll still be able to authorise purchases using an OTP that we'll send to your registered mobile phone number.
3. New Strong Customer Authentication (SCA)
New regulation asks us to add an additional check to confirm it's you when logging on to Online Banking. You can do it in one of two ways:
By having our mobile banking app
When you log on to Online Banking you may be referred to the mobile app, which will simply ask you to use your fingerprint, face or Security Number as the additional check that it's you. You can then continue to use Online Banking as you normally do.
By using One Time Passcode (OTP)
If you don't have our mobile banking app, we'll send you an OTP to your mobile phone as the additional check that it's you.
Whichever way you choose, we're only using the mobile banking app or the OTP to help confirm it's you. You can continue to use Online Banking as normal once the check has been done.
If you haven’t already, download our mobile banking app and follow the instructions to get started.
- If you have an Apple device go to the App Store and search ‘Santander Mobile Banking’.
- If you have an Android device go to Google Play and search ‘Santander Mobile Banking’.
- Or click the links below.
Once you have the app, you may find that Mobile Banking is another convenient way for you to bank. Lots of our customers use both Mobile and Online Banking.
What you should do if you can't download the app?
To download our app, your device needs to be running iOS 11 or above for Apple and Nougat 7 or above for Android.
If you don't know what your device is running, you can find out on our mobile banking page in the 'Is your device supported?' section.
Don't worry if you can't download the mobile banking app as you can still continue to use Online Banking as normal. We'll send you an OTP as the additional check to confirm it's you. Make sure we have the right number for you
How does Mobile Banking compare to Online Banking?
You have more options to take care of your cards and accounts in our mobile app. You can also sign up for My Money Manager, which looks at what you do in your Santander accounts and sends you helpful 'insights' to help you be smarter about your spend.
|Features||Mobile Banking||Online Banking|
|Make payments and transfers|
|View, cancel or set up standing orders|
|View or cancel Direct Debits|
|Pay your credit card|
|Report your card as lost or stolen|
|View your PIN|
|Mastercard card controls (freeze/unfreeze, gambling, international, contactless and online blocks)|
|My Money Manager spending and insights tool|
|Update your personal details|
We're committed to helping you understand the importance of these changes and how they impact you. Here are some of the questions customers are asking us about the new banking regulation.
Will I be able to use Online Banking without using a mobile device?
Using a mobile phone to authenticate certain things you do in online banking is an option, you can find out more about our mobile banking app here. If mobile phone is not an option for you then talk to us about alternatives.
Why do I need to enter my full Security Number rather than a few numbers?
We've listened to your feedback and made the decision to revert back to full entry of Security Number coupled with the mobile app or OTP to make it easier to log on going forward.
What happens if I'm also a Business Banking customer?
The changes will affect both personal and business customers.
If you need to get in touch with us log on to Online Banking and use our chat service or call us on 0800 917 9170.