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?

Please visit our credit card repayments page to find a variety of tips, guidance and tools to help you. 

International payments

Please see our international payments page to find out how to send or receive payments and much more. 

Cryptocurrency

To help protect yourself from scams and fraud, before making any cryptocurrency payments, visit our cryptocurrency page.

Mobile Banking

Paying a bill or person for the first time

Simply log on to Mobile Banking and follow these 3 steps.

1

Tap on ‘Pay’ at the bottom of the screen and choose the account you want to make the payment from

Mobile Banking home screen

2

Click the ‘To’ box. Click the plus sign for Android or ‘Add a new payee’ for iOS and enter their details

A screen in Mobile Banking to add a new payee.

3

Add the amount, a reference and when to make the payment

A screen to check the details you added are correct before paying an external recipient.

Need more help to make a payment in Mobile Banking? Take a look at our step-by-step mobile banking demos that show you how to use the app.

If you’re already using Online Banking, download our mobile banking app for your phone or device. Then you can log on with the same details you use for Online Banking and you’re ready to go.

You can download our app on your smartphone or device from the iOS App Store or the Google Play Store. Just click on one of the logos below to get started. We don’t ever recommend downloading apps from other third-party sites.

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If you haven’t signed up for Online and Mobile Banking yet, you can get started today. 

Can’t log on to your account? Visit our trouble logging on page for help and tips.

Online Banking

Paying a bill or person for the first time

  1. Log on to Online Banking
  2. Go to the ‘Payments and Transfers’ tab at the top of the page.
  3. Click ‘Set up a new payment’.
  4. Choose the account to make the payment from and click ‘Continue’.
  5. Add payee details. You’ll need their account number, sort code, the account holder’s name, and the type of account (personal or business).
  6. Add the amount, what the payment is for, 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.

Trouble logging on?

Visit our Trouble logging on to Online Banking page for help and tips.

Mobile Banking

Simply log on to Mobile Banking and follow these 3 steps.

1

Tap on ‘Pay’ at the bottom of the screen and choose the account you want to make the payment from

Mobile Banking home screen

2

Click the ‘To’ box and choose who to pay from the list of people you’ve paid before

A ‘Pay to’ screen in Mobile Banking with a list of this account’s saved payees.

3

Add the amount and when to pay, then choose the ‘Payment purpose’. You can also change the reference

A screen to check the details you added are correct before paying an external recipient.

Need more help to make a payment in Mobile Banking? Take a look at our step-by-step mobile banking demos that show you how to use the app.

If you’re already using Online Banking, download our mobile banking app for your phone or device. Then you can log on with the same details you use for Online Banking and you’re ready to go.

You can download our app on your smartphone or device from the iOS App Store or the Google Play Store. Just click on one of the logos below to get started. We don’t ever recommend downloading apps from other third-party sites.

app store badge google play badge

If you haven’t signed up for Online and Mobile Banking yet, you can get started today. 

Can’t log on to your account? Visit our trouble logging on page for help and tips.

Online Banking

  1. Log on to your Online Banking
  2. Go to the 'Payments & Transfers' tab.
  3. Click 'Pay existing payee'.
  4. Choose 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.

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’ll be 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.

Trouble logging on?

Visit our Trouble logging on to Online Banking page for help and tips.

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

Mobile Banking

Simply log on to Mobile Banking and follow these 3 steps.

1

Tap on ‘Transfer’ at the bottom of the screen

Mobile Banking home screen

2

Choose the accounts you’d like to move money from and to 

A screen in Mobile Banking where you can transfer money from one account into another you own.

3

Add the amount and when to make the transfer

A screen to check the details you added are correct before transferring money from one account into another you own.

Need more help to make a payment in Mobile Banking? Take a look at our step-by-step mobile banking demos that show you how to use the app.

If you’re already using Online Banking, download our mobile banking app for your phone or device. Then you can log on with the same details you use for Online Banking and you’re ready to go.

You can download our app on your smartphone or device from the iOS App Store or the Google Play Store. Just click on one of the logos below to get started. We don’t ever recommend downloading apps from other third-party sites.

app store badge google play badge

If you haven’t signed up for Online and Mobile Banking yet, you can get started today. 

Can’t log on to your account? Visit our trouble logging on page for help and tips.

Online Banking

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

Making this payment regularly? You could benefit from setting up a standing order instead.

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

Trouble logging on?

Visit our Trouble logging on to Online Banking page for help and tips.

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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