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Start investing for yourself

It's easy to open an Investment Hub account and if you feel able to choose an investment, you can start investing with £20 per month per fund or a lump sum of £100.

You can choose our award-winning Stocks and Shares ISA as a tax efficient way of investing or we also have an Investment Account if you’ve already used up your annual ISA allowance.

Whatever you decide, the Santander Investment Hub offers you a choice of investments and a convenient way to keep track of them all in one place. It also:

  • Gives you the control to be able to move into investments and back into cash when you want 
  • Lets you be as risky or as cautious as you feel comfortable with your investing 
  • Lets you buy and sell a wide range of investment funds 
  • Lets you transfer investments held elsewhere so everything is in one place
  • Allows you to view your total investment values in Online Banking 
  • Gives you online access to see your investments and how they are performing

No financial advice is provided with this option and you’ll need to make your own investment decisions.

Take a look inside the Investment Hub. Watch the short introduction video to the Investment Hub to see how you could start investing today.
 
Find out about our fees in the more details tab.

If you'd like further information
Take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

See our Investment Hub videos for hints and tips on how to make the most of the Investment Hub.

If you're not sure about your investment options
You should speak to a financial adviser or you may want to consider Santander’s Financial Planning Service

Make your money work harder
The right investments for you will depend on your financial objectives and how happy you are taking risks with your money for the potential of greater returns. You may be looking for a regular income, or to grow a lump sum and there are different types of investments available that will do different jobs for you.

The Santander Investment Hub gives you the convenience of buying and selling a wide range of investments and, seeing the value of them when you want, all in one place. You can also move investments you have elsewhere into the Investment Hub.

The Investment Hub offers 2 accounts, designed to hold your different investments;

Stocks and Shares Individual Savings Account (ISA)
For tax efficient investing 
Investment Account
For all your non-ISA investments
Please note that the tax treatment of your investment depends on your individual circumstances and may be subject to change in the future. If you're investing for particular goals you can open several Investment Accounts and name them for different purposes.

The Investment Hub also has a Cash Only Account where the Platform Service Fee for investment funds will be taken from without affecting your investments as long as there is sufficient money available.

For the details of the Platform Service Fee, please read the Santander Investment Hub Key Features Document (including Fees, Charges & Interest rates and Best Execution Policy)

If you'd like further information on whether investing is right for you, take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

See our Investment Hub videos for hints and tips on how to make the most of the Investment Hub.

Buy and manage investments from different providers.
With the Investment Hub you have the convenience of being able to buy and manage a wide range of investments.

The Investment Hub offers 3 ways to invest;

Multi Index Funds from
Santander Asset Management 
Funds managed by
Santander Asset Management
Funds from the UK market

For investors who want the simplicity of choosing from a small range of low cost funds that offer different levels of risk and potential reward, by investing in a mix of passive and index tracking funds.

For investors who want to choose from the full range of funds that are managed by Santander Asset Management. For investors who are comfortable in choosing from a wide range of funds from a large number of fund managers with the reassurance that these funds meet Santander ISA Managers' selection criteria.
Investing in government bonds, corporate bonds, equities and cash or a combination of asset classes. Investing in government bonds, corporate bonds, equities and cash or a combination of asset classes. Including funds specialising in bonds or equities, multi asset funds, country specific funds, tracker funds, property and specialist funds.

You can hold any combination of investments from the ranges above on the Investment Hub. A complete list of investments available can be found on the Investment Hub once you have registered.

You can hold your investments in the 2 accounts available on the Investment Hub:

  • The Stocks and Shares ISA, for tax efficiency. Please note that the tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.

  • The Investment Account, for all your non-ISA investments, with the option of opening a number of accounts for a number of different goals.

     

If you'd like further information

Take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

See our Investment Hub videos for hints and tips on how to make the most of the Investment Hub.

To apply to invest using the Santander Investment Hub you must be:

  • UK resident. (We accept non-UK nationals resident in the UK for tax purposes but not US nationals.)

  • 18 years of age or over.

The Investment Hub will allow you to:

  • Buy, switch or sell investments when convenient for you.

  • Choose from a range of investments from Santander Asset Management UK Limited and a wide range of funds from the market.

  • Transfer investments you hold elsewhere so everything is in one place. Your existing provider may charge you for moving investments to Santander, our charges could be higher than your previous provider's and the Investment Hub may not be able to hold your investment - you can check with us before you move.

  • View all your Santander accounts alongside your investments, through Santander Online Banking.

  • View a summary of your investments and look at the detail of what they’re invested in and how they’re performing.

No financial advice is provided with this option and you’ll need to make your own investment decisions. If you’re unsure, take a look at our Financial Planning Service.

Register

The information in the 'Getting started' tab, will help you get started on the Investment Hub once you have registered.

If you'd like further information
Take a look at our Guide to investing. It will help you explore your needs, goals and investment objectives and your understanding of investment risk.

See our Investment Hub videos for hints and tips on how to make the most of the Investment Hub.

Once you have registered for the Investment Hub, you’ll need to choose whether to hold your investment in a Stocks and Shares ISA or a non-ISA Investment Account or both. Then you’ll be able to choose what to invest in.

Before you start we have a video that will help you navigate around the Investment Hub

Next, choose an account to hold your investments in

  • You can hold your investments inside an ISA in a Stocks and Shares ISA, or outside an ISA in an Investment Account, or both.

  • To open an account simply click on "add a product"

  • Here you can read all relevant key information and considerations about these accounts

  • Once you’ve decided which account to open you can start investing.

Now, choose what investment to put in these accounts

  • Firstly you're asked to enter how much you want to invest each month and/or as a lump sum - don't worry there are plenty of opportunities to change or cancel this later.

  • Then you will have the option to choose which fund range you want to invest your money into.  We have a helpful video which shows the steps to selecting an investment.

  • When you have picked a fund range use the various search and filtering tools to choose a fund that you want to find out more about, and read the Key Investor Information Document (KIID) for that fund.

  • Some funds also have a useful Factsheet. Selecting a fund that is right for you will depend on your financial objectives and the level of risk you can take in return for the potential of greater returns.

  • Once you have chosen your fund(s) and the amount to invest in each, add them to your basket.

  • Confirm your basket selection and proceed to the review and confirm page and if you are happy with your choice, confirm your selection.

  • You may be asked to complete a declaration and after that your investment will then be completed and you are committed to this transaction from that point.

  • The transaction will appear as pending until all aspects are complete. 

Top tips

  • Remember to add your bank account details to the Hub, via the Settings icon so you can add money for investing as a lump sum or regularly.

  • Once you've logged on to the Investment Hub, help is still at hand in the toolbar where you'll find easy access to our collection of 'videos' and 'Guide to Investing'.

The value of investments and any income from them can go down as well as up and you may get
back less than the full amount you invest.

 

Important information
Investments should be held for the medium to long term, typically for at least 5 years or more (unless there is a fixed term that applies).

The tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.

The Investment Hub and the Stocks and Shares ISA are provided by Santander ISA Managers Limited.  Registered in Scotland No. SC151605 at 287 St Vincent Street, Glasgow G2 5NB, United Kingdom.  Telephone 0800 328 1328.  Authorised and regulated by the Financial Conduct Authority.  Financial Services Register number 171448.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.