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Help and support

We're here to help you

Whether you have a question about our accounts or services, or need help when you're abroad, you can find all you need here.

Get in touch

Call us any time
You can call our dedicated telephone support team 24 hours a day, 7 days a week on 0800 032 3323. We're on hand to talk you through any queries you may have.

Support when you're abroad

Exclusive benefits when you travel
You could get fee-free cash withdrawals and purchases as well as emergency help when you’re abroad, whether you're working or on holiday.

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International Payments

Transferring money abroad should be fast and simple
Send money abroad using Santander’s One Pay FX app, Online or Telephone Banking or in branch.

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Changes to Unarranged Overdraft fees

From 10 July 2018, we’re making changes to the amount of Unarranged Overdraft fees we charge, including removing Unarranged Overdraft fees altogether from some accounts.

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Changes to your Santander Current & Savings accounts

Find out more about changes to your Santander Current & Savings accounts.

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Changes to your Santander Credit card

Find out more about changes to your Santander Credit Card.

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1|2|3 Current Account with Gold Visa debit card (no longer available)

Information for customers who hold a Gold Visa debit card on their 1|2|3 Current Account. Please note this is no longer available for new customers.

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Ways to bank

Stay in touch with your finances
With a 24/7 support team at the end of the phone, Relationship Managers in over 300 branches across the UK and Online and Mobile Banking available 24/7, you can manage your finances wherever you are.

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Help managing your accounts

Online demos and guides to help you get more from your banking
We have a range of demos and guides to walk you through many of our products and services.

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Online security

Keeping you safe online
Your security is paramount to us. From our online security commitment to information on staying safe and extra software to protect your communications with us, you can find it all here.

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Branch locator

Face to face banking
When you're out and about, your banking can be taken care of by a friendly face at one of our many branches across the country.

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Help, guides and more

Let us help put things right
We're sorry if we haven't provided you with the service you expect. Please call us on 0800 032 3323 so that we can understand your experience and help put things right for you. Alternatively, you can visit any of our branches.

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Frequently asked questions

  • As a Santander Select customer if you have a 1|2|3 Current Account you can request an exclusive 1|2|3 Gold Visa debit card (for no additional cost) by calling
    0800 032 3323. There is no extra charge for the card and it gives you additional features including:

    • fee-free cash withdrawals from Santander branded cash machines abroad when you choose the local currency (except in Poland)

    • a £750 daily cash machine withdrawal limit, and 

    • emergency cash within 24 hours if your card is lost or stolen abroad. 

  • To qualify for Santander Select you must have a current account with Santander and meet one of the following criteria:

    • Pay your main income of at least £5,000 per month into a Santander current account (excluding transfers from other Santander accounts), or

    • Maintain £75,000 in any Santander investments, savings or current account; or

    • Have a property worth at least £500,000 with a Santander mortgage.

    For eligibility questions, please call 0800 032 3323, available 24 hours a day, 7 days a week.

  • Yes, as a Santander Select customer when you use your Santander 1l2l3 Credit Card for transactions abroad you will not be charged a fee when you select the local currency option 

  • Withdrawing cash from a bank or cash machine or buying foreign currency or travellers cheques in a currency other than sterling.
    You will be charged a non-sterling transaction fee of 2.95% of the value plus a non-sterling cash fee of 3% of the value (at least £3).


    Making purchases abroad or online in a currency other than sterling.
    As a Santander Select customer you will be not be charged the non-sterling transaction fee of 2.95% of the value of the transaction.

  • Yes, you can use your Gold Visa debit card abroad and you also benefit from these additional features:

    • fee-free cash withdrawals when you use Santander branded cash machines in Spain, Portugal, Germany, Argentina, Chile, Mexico, Puerto Rico, Uruguay, the USA and when you use Santander cash machines in Brazil which display the 'Cirrus' and 'Plus' brands.  

    We'll waive the 2.75% foreign exchange fee when you use these cash machines, as well as the £1.99/ 1.5% cash handling fee. Some cash machines will ask you if you'd like to transact in Sterling or the local currency. To make the withdrawal fee-free please make sure that you choose the local currency. 

    • you have a higher daily cash withdrawal limit of £750. Not all cash machines will allow you to withdraw £750 in one transaction so you may need to take out your money in multiple transactions. 
    • emergency cash if your Gold Visa debit card is lost or stolen abroad, we can arrange with Visa for funds to be available to you within 24 hours. Visa will find the most convenient Western Union or other suitable pick-up location, confirm the amount needed in the local currency and will let you know the opening hours for your desired location. In most cases you'll need to provide photo ID to collect the cash. If this has also been lost or stolen, Visa will discuss available options with you.
  • Call us immediately on 0800 032 3323.
    If you're abroad dial +44 1908 216 674.

  • If you're a Santander Select customer, you have access to the exclusive Gold Visa debit card on your 1|2|3 Current Account, the below information applies to this card:

    Scenario  Fees or charges
    Making a purchase

    Making a purchase abroad or online in a currency other than sterling to buy goods or services

    You will be charged a non-sterling transaction fee of 2.75% of the value plus a non-sterling purchase fee of £1.25 for each transaction
    Withdrawing money (foreign currency) and buying traveller's cheques

    Withdrawing cash abroad (either in a bank or at a cash machine), or buying traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Visa sign) in a currency other than sterling

    No fees will be charged by Santander when you withdraw cash in the local currency from a Santander branded cash machine. For all other transactions, you will be charged a fee as follows:


    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 purchase fee Non-sterling cash fee Total cost
    Debit card purchase € 100^ 2.75%  £1.25  n/a   £81.25
    £77.86^ £2.14  £1.25  £0 
    Gold Visa debit card cash withdrawal from a non-Santander branded cash machine € 100^ 2.75%  n/a  1.5% (min £1.99)   £81.99
    £77.86^ £2.14 £0 £1.99
    Gold Visa debit card cash withdrawal at Santander branded cash machine in the local currency (except in Poland) € 100^ n/a  n/a n/a   £77.86
    £77.86^ £0 £0 £0

     ^Visa exchange rate of €1 = £0.778561 as at 1 June 2016


    The exchange rates reflect the rate applicable when the payment scheme (Visa) processed the transaction and not the date on which the transaction took place.


    If you are given the option of paying in either local currency or sterling, please make sure you choose local currency unless you are certain that the exchange rate is more favourable. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a conversion fee, a foreign usage fee, or both.


    When you use your debit card to buy goods or services in a currency other than sterling, we will convert the amount into sterling using the exchange rate set by Visa on the date the transaction is charged to your account, together with any applicable foreign usage fees as set out in the table above.


    The exchange rate used may differ from the rate that applied on the actual date of the transaction as exchange rates vary on a daily basis. The exchange rate used when the transaction is processed and the amount of the transaction in sterling after the application of the exchange rate will be detailed on your statement.    Visa exchange rates available at:   


    All main adult bank current accounts (those which are credited with at least £500 per month) can benefit from free cash machine withdrawals in Spain at a Santander branded cash machine


    For the Gold Visa debit card a daily cash withdrawal limit of £750 applies.


    If you don’t have a Gold Visa debit card, visit the Frequently Asked Questions page for information about using your debit card abroad.

  • Can’t find what you are looking for? Find more on our main FAQs page








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