Get an instant answer to your question by viewing frequently asked questions about savings.
To find your savings interest rate you can use our Interest Rate Finder
If you hold a Fast Access, SIPP Fast Access, Special Reserve, Cash ISA (TOISA), Retirement Investment Account (ANRIA), Santander Shareholder Account, Treasurers Instant Saver or Charity Investment Account, details of your interest rates can be found here (pdf)
If you think you may have lost or forgotten about an old savings or bank account, we can help.
An account becomes dormant when you do not make any transactions on your account:
for one year in the case of current accounts or;
for three years in the case of savings accounts
This means that we will stop sending you statements, letters and cards.
To track down any accounts you may have, simply take one of the following steps:
If your account is Dormant, visit any Santander Branch and speak to our team. Please bring any account documentation, such as a passbook or statement. You’ll also need some form of identification, for example a passport or driving licence.
If you are unsure if your account is Dormant, or you have found a passbook or old statement, you can call us on 0800 9 123 123 or visit any Santander branch with identification. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.
If you are aware of a bank or building society holding an account then you should first approach that bank or building society direct to see whether the account is still open.
If it is not, then you can go to http://www.mylostaccount.org.uk to either complete an online request or download a dormant account form from the site, and send it to Santander at:
Santander Savings Correspondence, CST 1 PO Box 1109,Bradford, BD1 5ZJ
You can follow their guidance or use this service to search for a dormant or lost account. This service helps with the search of accounts that are no longer on the live or open part of the bank or building society's customer records and instead are being maintained as part of their record of lost or dormant accounts.
Unclaimed Assets Scheme
We participate in the unclaimed assets scheme established under the Dormant Bank and Building Society Accounts Act 2008. The purpose of the scheme is to enable money in dormant accounts (i.e. balances in accounts that have been inactive or dormant for 15 years or more) to be distributed for the benefit of the community while protecting the rights of customers to reclaim their money.
Under the scheme, we may transfer balances of dormant accounts to Reclaim Fund Ltd (RFL). RFL is a not for profit reclaim fund which is authorised and regulated by the Financial Conduct Authority.
If we transfer the balance of your account to RFL, you will have against RFL whatever right to payment of your balance you would have had against us if the transfer had never happened. However, we will remain responsible for managing all aspects of the customer relationship with you and for handling all repayment claims (which we will do on behalf of RFL). Therefore, you should continue to contact us in the usual way if you have any queries or complaints in relation to your account or balance.
Both we and RFL participate in the Financial Services Compensation Scheme (FSCS). The transfer by us to RFL of your balance will not adversely affect any entitlement you have to compensation from the FSCS.
From 2 April, we no longer accept cash deposits at our branch counters from anyone not named on the account. The change applies to all of our personal banking and savings accounts.
If a third party wants to make a cash deposit and has a Santander account
They can deposit the cash into their own Santander account - then transfer the funds in to your account in any branch or using Online or Mobile Banking
It’s quick, easy and very secure.
If the third party wants to make a deposit and hasn’t got a Santander account
If they have cash they can take it to their own bank or building society and deposit it into their own account - they can then transfer the funds to your account using Faster Payments.
We can still accept cheque deposits into any Santander account at our branch counters.
We're sorry to hear that you are thinking about closing your savings account or cash ISA. Please send a secure message through your online banking, visit your local branch or call 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.
Your bond maturity date can be found on the bond certificate that was issued to you when you opened the account.
The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.
If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.
You can also change it by telephone or in branch.
1. Online Banking (instant):
Log on and update your details instantly from within the "My Details & Settings" tab.
Choose 'Change personal details' from the left hand menu and then click 'Change address'.
Enter your new details (including postcode) and follow the onscreen instructions.
Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.
2. By telephone (for current account and savings customers):
3. In branch:
Complete a change of details form by
Take the form to your local branch together with relevant account documentation:
Your cash card, passbook or certificate and;
Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).
If you would like to discuss our identification requirements please call us on 0800 9 123 123 and we will be happy to help. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.
Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.
* To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free
There are 4 steps you should take before moving abroad.
1. Review your accounts
Moving abroad may have an impact on the accounts you have with Santander, in particular the benefits provided as part of the account and methods of repayments.
The table below lists by product any impact that could affect you by moving abroad.
You may wish to consider booking an appointment in branch for more information and for details of the options available to you.
If you haven't already, please visit Her Majesty's Revenue and Customs (HMRC) website for more information on any change to your tax status whilst you're away, or you can call them on +44 135 535 9022.
Impact of moving abroad on accounts
|123 Current Account|| |
|Debit Cards|| |
|Premier and Premier Direct Current Accounts with European Travel Insurance|| |
|Savings Accounts, Fixed Rate Bonds, ISAs and Investments|
|Fixed Rate Bonds|| |
|Cash ISAs, Investments ISAs and Investments|| |
|Personal Loans|| |
|Credit Cards|| |
|123 Credit Card|| |
2. Sign-up for Online Banking and Telephone Banking
Before you leave you should sign up for Online and Telephone Banking as both will help you manage your account remotely when you are no longer able to access a branch.
Go to Register for Online Banking for more information on Online Banking and how to register.
Please note that our Online and Telephone Banking services are not available for all products.
3. Register for Account alerts
In order to register for our Account alerts service, you need to be able to log on to Santander Online Banking.
If you're already registered for our Online Banking Service, you'll find details on how to set up your alert service in the 'Account Services' tab.
4. Update your contact details
It is important that you make sure your contact details, especially your mobile telephone number, are up to date, so that Santander can contact you while you are abroad should we suspect fraudulent activity on your account.
The easiest way to do this is to send us a secure message via Online Banking, visit your local branch, or call:
0800 9 123 123 (+44 1908 237 963). Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.
0800 9 123 123 (+44 1512 648 725). Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.
Santander UK plc is an authorised deposit taker and accepts deposits under this name and the cahoot & Santander Corporate and Commercial Bank trading names. Your eligible deposits are protected by the Financial Services Compensation Scheme, the UK's deposit protection scheme.
The FSCS protects most depositors, including individuals, companies and small local authorities. On 30 January 2017 protection was increased from £75,000 to £85,000 per customer. This means that two individual customers with a joint account will have protection of £170,000.
Some links to literature items on this website will still state the previous compensation limit of £75,000. We’re doing our best to update this as soon as possible, but please be reassured eligible deposits will be protected up to £85,000.
If you’d like some more information about the compensation scheme, please take a look at the Financial Services Compensation Scheme pages or read the Protecting your Money FSCS Leaflet (pdf). To view this document, you may need to download Adobe Reader. You may like to save or print this for your records and future reference.
Charges apply when you use your cash card abroad.
|Scenario||Fees or charges|
|Withdrawing money (foreign currency) and purchasing traveller's cheques |
Withdrawing cash abroad (either in a bank or at a cash machine), or purchasing traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Cirrus/Plus signs) in a currency other than Sterling
|You will be charged a non-Sterling transaction fee of 2.75% of the value plus a non-Sterling cash fee of 1.5% of the value (at least £1.99)|
Illustrative cost examples based on a €100 (Euro) transaction
|Transaction||Transaction value||Non-sterling transaction fee||Non-sterling cash fee||Total cost|
|Visa cash card cash withdrawal ||€100||2.75%||1.5% (min £1.99)||£92.41|
|Cirrus cash card cash withdrawal ||€100||2.75%||1.5% (min £1.99)||£92.50|
^Visa exchange rate of €1 = 0.880049 as at 1 June 2018
^^Mastercard/Cirrus exchange rate of €1 = 0.88086 as at 1 June 2018
The exchange rates reflect the rate applicable when the scheme processed the transaction and not the date on which the transaction took place.
When you use your cash card abroad in a currency other than Sterling, we convert the amount to Sterling using the exchange rate set by Visa or Mastercard (subject to card type) on the date the money is taken from your account.
Take a look at Visa's exchange rates
Take a look at Mastercard's exchange rates
Daily cash withdrawal limits apply. General Terms and Conditions
The Account Summary makes it simpler for you to complete a tax return.
This document details the interest paid and tax deducted for personal savings and current accounts you hold with Santander.
The Account Summary is automatically available to you in Online Banking by the end of May for the previous tax year.
To ensure you can view the Account Summary register for ‘Online Banking’ at santander.co.uk/register
Once registered, simply select 'e-Documents' from the left-hand menu from the ‘My Accounts & Transactions’ tab.
To find your Account Summary quickly and easily, search ‘Account Summary’ using the advanced search facility within e-Documents.
The Account Summary is also available in branch or by telephone on 0800 9 123 123 on request.
Tax Deduction Certificates are also available if you specifically require one (e.g. if there has been a change of ownership on your account). This can be requested online, in your local branch or by calling 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.