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Investments

Why invest?

Investments have the potential to produce a better return than savings accounts over the medium to long term. However unlike savings accounts the value of investments can go down as well as up and you may get back less than you invest, so depending on your circumstances investing may not be right for you.
 
As with savings, you can choose to keep some money inside or outside of an ISA. Our stocks and shares ISA is a tax efficient way of investing inside an ISA and we also have an Investment Account if you’ve used up your annual ISA allowance.
 
At Santander you can choose to make your own investment decisions or to seek investment advice.

Is investing right for you?

It is important to consider whether investing is right for you. The right investments for you will depend on:

  • Your financial objectives.

  • How much money you have to invest and how long you can leave it untouched.

  • How much risk you are willing to take with your money for the potential of a greater return.

Explore how other customers have approached investing, the important considerations and how to keep risk vs reward in mind when investing.

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Start investing for yourself

Our Investment Hub offers an online service with a wide range of investment options to meet your needs:

  • Select how you want to invest based on your own decisions, without receiving financial advice.

  • Invest from £20 per month, or a £100 lump sum.

  • Buy, sell and manage your investments when it’s convenient for you.

  • Transfer in investments you have elsewhere.

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

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

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Get advice on investing

Our Financial Planning Service is available to customers who want investment advice and:

  • Can invest over the medium to long term typically for at least 5 years.

  • Have at least £50,000 to invest, or

  • Have a minimum of £25,000 to invest in addition to existing Santander investments, which will result in at least £50,000 invested.

With this service you pay an additional fee to receive advice from Santander UK plc and your investments will be set up for you.

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See our savings options

If investing is not right for you , we offer a wide range of savings options to meet your needs, including cash ISAs, fixed term bonds, instant access savings and children's savings accounts.

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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.