What happens after I’ve applied for my current account?
For online applications
If your application is successful we’ll email you within 5 working days to let you know either that:
If we've opened your account we'll also include a form which you can use to order a chequebook if you want one.
If you're not already registered for Online Banking you'll receive log on details in the post 4-6 working days later.
For phone applications
If we were able to confirm your identity when you called us we'll open your account and let you have your account details straight away. We'll follow up your phone call with a letter confirming the information we spoke to you about.
If we told you that you had to send extra ID we'll send you a letter explaining what to send and where.
If your application is unsuccessful
We'll write to you to confirm we can't offer you a current account.
Why am I being asked for further ID?
By law, we must check the identity of each new applicant, even if you're already a Santander customer.
We can often ID you electronically. Sometimes though, for instance if you've recently moved house or aren't on the electoral roll, we'll need to ask you to provide documents (such as passport, drivers licence etc) that prove your identity.
What's the freepost address for sending ID?
Santander Account Openings
9 Nelson Street
Why can't you offer me a current account?
We credit score your application using the information you've given us in it, any information we already hold about you and information we get from Experian, a credit reference agency. We decide whether to let you have an account based on your credit score and whether you meet our criteria. Unfortunately if you don't meet the conditions we're unable to offer you a current account.
See what information is held about you at the credit reference agency we use
If you’d like to see the information the credit reference agency we use has about you, you can apply for a Statutory Credit Report from Experian. You'll have to pay a small fee.