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Investments frequently asked questions

Answers to your questions

Answers to your questions about investments

Get an instant answer to your question by viewing frequently asked questions about investments.

Frequently Asked Questions

  • Once you have registered for the Investment Hub, we’ll send log on details to your registered email address. Once you receive these you’ll be able to log straight on to the Investment Hub. Then from there if you are;

     

    An existing Santander Customer with Online Banking credentials
    Within 24 hours of registering, the Investment Hub will be on your list of Santander accounts.
    When you click on the Investment Hub link it will open in a new window, and keep your Online Banking page open, until you sign out of either page.

     

    New to Santander
    Your Investment Hub registration will generate your Santander Online Banking log on details, which you will receive in the post within 5 working days.

     

    In the meantime you can log on here using the username and password issued to you when you registered for the Investment Hub.

  • You can view your total investment value in Santander Online Banking. In your Investment Hub you’ll be able to see more detail of the investments you hold, which will include the latest prices we have for them. 

     

    You’ll also receive a quarterly statement showing the value of your investment which will include details of money that you’ve paid in or taken out during the statement period.

  • You can pay in a lump sum or make regular monthly payments.
    Lump sum payments:

    • The minimum is £100 per fund.

    • There is no maximum amount. 

     

    Regular payments:

    • The minimum is £20 per month, paid by Direct Debit.

    • There is no maximum amount. 

     

    You can choose to make your regular payments on any day of the month from 1st to 28th inclusive and you can stop or change your regular payments, including amounts and dates, at any time. You can’t set up regular payments into a Structured Investment.

     

    Please note if you are investing into a Stocks and Shares ISA on the Investment Hub you can only invest up to the ISA limit for the current tax year. 

  • Yes. Each account you hold on the Investment Hub must have at least £100 worth of investments and cash in it. This means that if you want to withdraw partial amounts from an account, you must keep at least £100 invested. Any money removed from an ISA will lose its tax efficient status.

  • The fee for using the Investment Hub is called the Platform Service Fee. It’s payable to Santander ISA Managers Limited and is for administering and servicing your account.

     

    The Platform Service Fee is the same, irrespective of which fund is invested in. The actual amount you pay half yearly will vary as the value of your investment funds changes on a daily basis due to market movements, further investments and any withdrawals you make.

     

    The current fees are, expressed as annualised amounts:

     

    Value of Investment Hub % p.a. on this slice
    The first £50,000 0.35%
    Above £50,000 to £500,000 0.20%
    Above £500,000 0.10%

     

    The percentage fee applies to the amount in that band. So, for example if the total amount invested in funds is worth £200,000, the annualised total fee is calculated as follows:

     

    Example
    Value of Investment Hub % p.a. on this slice

    Platform Service Fee on this slice for year

     The first £50,000  0.35%  £175 (0.35% x £50,000)
     Above £50,000 to £500,000  0.20%  £300 (0.20% x £150,000)
     Above £500,000  0.10%  £0 (0.10% x £0)
     Total Platform Service Fee per year: £475 

     

    The Platform Service Fee is collected on 1 May and 1 November, and deducted from your Cash Only Account.

     

    No fee is charged on any money held in your Cash Only Account or on any cash held in either the Stocks and Shares ISA or the Investment Account.

     

    The Platform Service Fee covers the cost of providing your Investment Hub services including:

    • Payments to the technology supplier, who supports the systems that underpin the Hub.
    • Payments to others for arranging the purchase and safekeeping of funds.
    • The costs of running our Investments Centre Helpline.
    • Other costs in operating and managing Santander ISA Managers Limited.

     

    There are other charges associated with investing with the Investment Hub which aren’t taken by Santander ISA Managers Limited. For more information, please refer to the relevant Key Investor Information Document or Key Information Document for any funds in which you invest.

     

    For the details of the Platform Service Fee and charges, please read the Santander Investment Hub Key Features Document, this document includes fees, charges & interest rates and best execution policy.

  • Yes, you can invest by moving in investments you hold with other providers (this is known as re-registration). 
    The advantage of this is that you don’t need to sell the investments you hold for cash, which might result in additional costs and tax implications for you.

     

    However you should check a number of important things first before you consider this:

    • Will your current provider charge you to re-register with us?
      We won’t charge you for this.
       

    • Is this investment available to hold on the Investment Hub?
      Please contact us on 0800 328 1328 to check this. If the Hub doesn’t offer your investment, we can’t accept it. 
       

    • Are the charges you pay less in the Investment Hub?
      You should check if you’ll be better off by moving into the Investment Hub. This may depend on the value of the funds you are moving into the Investment Hub.

  • Yes, any money you’ve saved in previous tax years in another ISA can be transferred into our Stocks and Shares ISA, subject to your current provider’s terms and conditions. This doesn’t count towards this tax year’s ISA limit.
    You can also transfer all of the money you’ve paid in during the current tax year, which does count towards this tax year’s ISA limit. Please note that the transfer must be completed before you make a contribution to our Stocks and Shares ISA.

     

    However you should check a number of important things first before you consider this:

    • Will your current provider charge you to transfer to us?
      We won’t charge you for this.

    Please note that if the markets move before the transfer is complete, or while your money is held as cash, then you may not benefit from growth that you might have experienced had you not transferred your ISA.

     

    • Are the charges you pay less in the Investment Hub?
      You should check if you’ll be better off by moving into the Investment Hub. This may depend on the value of the funds you are moving into the Investment Hub.

     

    If you remove any cash from your ISA without making the proper arrangements to transfer, you’ll lose the tax-efficient status of that money. 

     

    Please note: If you’re transferring money you paid in to an ISA with flexible features in the current tax year you must transfer all of it. Your existing ISA provider will tell Santander how much of your ISA allowance you have left.

  • 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.

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