It’s easy to make payments from your current account

You can make single payments online of up to £25,000 from your current account for free. The maximum amount you can make in payments daily is £100,000. Payments usually arrive at the destination as soon as they leave your account, but in some cases they can take up until the end of the next working day.

When you make a new payment you need to enter the account name and other details exactly as they appear on the account. Take a look at our page about making new payments to learn more.

Transfers 

Transfers are when you move money between your Santander accounts, for example from your Santander current account to your Santander savings account. Your transfer will normally arrive instantly. 

Paying your credit card?

Take a look at our credit card repayments page 

Online Banking

Paying a bill or person for the first time:

  1. Log into your Online Banking
  2. Go to the 'Payments & Transfers' tab 
  3. Go to 'Set up a new payment’ 
  4. Choose the account to make the payment from and click continue
  5. Click to add a new payee and enter their details. You'll need their account number, sort code, the name on the account and the type (personal or business)
  6. Add the amount, what the payment is for, a reference and when to make the payment

Mobile Banking

Paying a bill or person for the first time:

  1. Log into your Santander mobile banking app
  2. Click on 'Pay’ at the bottom of the Home page
  3. Choose the account to make the payment from 
  4. Click into the 'To' box 
  5. Click the plus sign for Android or 'Add new payee' for iOS and enter their details. You’ll need their account number, sort code, and the name on their account
  6. Add the amount, a reference and when to make the payment

Payment references

A payment reference helps the person you’re paying know the money is from you. 

If you’re paying a bill, like your credit card bill, the card company will ask you to quote a specific reference (which is usually the long card number on your statement) so they know you’ve made the payment. 

If you’re paying a friend or family, you decide the reference. 

Making regular payments?

If you need to pay someone regularly, say on the 15th of every month, you can set up a standing order so you don’t need to manually make the payment every time.

International payments

Take a look at our dedicated page to learn more about making international payments

Online Banking

  1. Log into your Online Banking
  2. Go to the 'Payments & Transfers' tab 
  3. Go to 'Pay existing payee’ 
  4. Select the account you want to make the payment from
  5. Click on the payee you want to pay
  6. Add the amount and when to make the payment
  7. You’ll be shown the details for your payment and given the opportunity to change your reference before you confirm the payment

Mobile Banking

  1. Log into your Santander Mobile Banking app
  2. Click on ‘Pay’ at the bottom of the home screen
  3. Choose the account to make the payment from 
  4. Click into the 'To' box and choose who to pay
  5. Add the amount, when to pay and select the ‘Payment purpose’
  6. You’ll be shown the details for your payment and given the opportunity to change your reference before you confirm the payment

Changing the reference when you’ve paid someone before

If you’ve previously paid someone and they’re set up in your Online and Mobile Banking but you want to change the payment reference it’s treated like a new payment. So we’ll ask you to check and confirm all the details. So for example changing a reference from ‘Mum birthday’ to ‘Mum groceries’ will mean we ask you to confirm all the details again. You'll need to be sure that the details you’ve got for that person are still correct – in particular that you’ve got the right account number, sort code and the correct name on the account.

 

Moving money between your own accounts with us is called transferring. You can move your money about in a few simple steps.

Online Banking

  1. Log into your Online Banking
  2. Go to the 'Payments & Transfers' tab 
  3. Click the 'Transfer between my accounts' link
  4. Choose the accounts to transfer money from and to
  5. Add the amount and when to make the transfer

Mobile Banking

  1. Log into your Santander mobile banking app
  2. Click on the 'Transfer' button at the bottom of the home page
  3. Choose the accounts to move the money from and to
  4. Add the amount and when to make the transfer

Making this payment regularly? Why not set up a standing order

If you’re paying money into your ISA then there could be restrictions on how much you transfer in. For more information, please visit our ISA page

A payment could be returned for a number of reasons. 

If it’s a newly set-up payment, it may be that:

  • The reference information on the payment is incorrect, for example when paying a credit card the payment reference should be taken from the credit card statement, it’s usually the long number across the front of the card. 
  • The terms and conditions of the account don’t let you pay in what you’re trying to pay in. For example some savings accounts only allow for one deposit per month and some ISAs have a maximum deposit per month.

If it’s an older payment that has been set up on your account for a while, it may also have been returned because: 

  • The sort code or account number wasn’t recognised. 
  • The account could be closed.
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