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Santander Bank Review
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Reviews 545
Santander
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Santander
Santander
Poor
Reviews 545
Michael Graw
Nov. 15, 2022
2 min read
Michael Graw
Santander summary
Santander Bank blends both traditional and online banking. The bank has more than 2,000 ATMs across the Northeast and Florida and a capable mobile app that supports check deposits, bill pay, and instant transfers. Santander offers competitive interest rates on savings accounts, and provides users with credit cards and loans in addition to online bank accounts.
Pros
  • Over 2,000 ATMs and 575 branches
  • $25 minimum deposit
  • Competitive interest rates
Cons
  • Branches and ATMs are mostly in the Northeast and Florida
  • High overdraft fees

Santander at a glance

4.4
Editorial score

Fees?

Low fees, waivable
4.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Early morning, evening and weekend phone service
3.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities
5.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits
5.0

Santander Santander Visit Site

Advantages Over Traditional Banks

Santander Bank is a traditional bank with a number of online banking services. You can manage your accounts, deposit checks, pay bills, and transfer money all through the online portal and mobile app (for iOS and Android). On top of that, Santander offers a range of services, including loans, credit cards, and retirement investing accounts. 

Cutting-Edge Banking Services 

Santander Bank makes it easy to manage your finances through the mobile app. For example, you can deposit checks instantly from anywhere using your smartphone, or transfer money to friends and family using Zelle. The online bill pay center enables you to handle all of your bills—including the ones that can’t be paid electronically—from a single mobile-friendly portal. 

Traditional Banking Services

Santander Bank started as a traditional bank before moving into the online banking sphere. It has more than 575 branches and 2,000 ATMs, although most of these are in the Northeast. Santander offers several rewards credit cards, lending programs for mortgages and personal loans, and retirement investing accounts. Santander also has a commercial banking arm that offers banking and lending for small businesses. 

Interest Rates and Fees

Santander has several checking and savings accounts with different fees and benefits.

If you’re interested in checking, you can choose between four account types:

  • Basic: The Basic account has a $3 monthly fee that can’t be waived and requires $25 to open.
  • Simply Right: The Simply Right account is similar to the Basic account, except that it has a $10 monthly fee that’s waived as long as you make one transaction per month.
  • Premier Plus: The Premier Plus account is an interest-earning account that reimburses ATM fees. It requires a minimum deposit of $50 and has a $25 monthly fee, which is waived if you have a $25,000 balance or at least $4,000 in direct deposits each month.
  • Select: The Select account is similar to the Premier Plus account, but requires a $150 minimum deposit and has a monthly fee of $75, which is waived if you have $150,000 in assets with Santander Bank.

For savings, your options are Savings, Money Market, Premier Plus, and Select. Santander’s Savings account has a $1 monthly fee and the Money Market account has a $10 monthly fee. These fees are waived if you have a Santander Bank checking account. You can only open a Premier Plus or Select savings account if you have a Premier Plus or Select checking account.

All Santander Bank savings accounts start out with 0.15% APY. You can earn up to 0.25% APY if you have a balance greater than $100,000.


Mo. Fee
How to Waive Fee
Key Benefits
Basic Checking
$3
None
No transaction requirements
Simply Right Checking
$10
Make one transaction per month
Waive account fee
Premier Plus Checking
$25

$25,000 balance

$4,000 direct deposits

Earn 0.15% APY 

Reimburse ATM fees

Select Checking
$75
$150,000 balance across Santander accounts

Earn 0.15% APY

Reimburse ATM fees

Savings
$1
Link any checking account

Earn 0.15% APY

Money Market Savings
$10
Link any checking account

Earn 0.15% APY

Premier Plus Savings
$0
None

Earn 0.15% APY 

Select Savings
$0
None

Earn 0.15% APY

Customer Service 

You can get in touch with Santander Bank by phone from 8:00 AM to 8:00 PM ET, 7 days a week.

Mobile App

Santander offers a mobile app that enables you to access all of the bank’s services. You can easily check your balances and transfer money between accounts. The mobile app also gives you access to the bill pay center, so you can monitor your payments and add bills on the go.

Learn more about Satander’s mobile app below:

Security

Santander Bank uses advanced digital controls to keep all of your accounts safe. All of your data is encrypted with 256-bit AES when you log into your account. You can easily lock your debit or credit cards through your online account if they’re ever lost or stolen. On top of that, Santander uses text and email alerts to let you know right away if there’s suspicious activity in your accounts. 

Summary

Santander Bank offers a mix of traditional and online banking that could work for you if you’re in need of a new bank. The bank offers helpful features like mobile check deposits and online bill pay. Plus, if you live in the Northeast and Florida, you can access Santander’s more than 575 locations and 2,000 ATMs. We also like that Santander’s savings accounts offer 0.15% APY and the monthly fees for most accounts are easy to waive. 

Santander Santander Visit Site

Methodology

This review is based on information from Santander Bank’s website, as well as from online resources and customer reviews posted on third-party websites.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about Santander
Santander
Poor
Reviews 545
on
Excellent
7%
Great
1%
Average
1%
Poor
3%
Bad
88%
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chris
15 days ago
I just want to give a big shout out to…
I just want to give a big shout out to your Pudsey branch. I have very elderly parents, they suffer with dementia and hearing difficulties. I took them to your Pudsey branch to deal with some ( for them ) very important matters. Initially they were shouting at each other because of their circumstances. One of your service desk representatives said we would have to leave the branch if they didn't lower their voices. This could have easily heave been a one star review, fortunately someone from the back office had processed the situation and serviced their requirements in a private office with a sympathetic appreciation of their circumstances which turned the situation round. I was still angry that the initial front of desk person had said she was going to ask my elderly parents to leave..... however after our business had been conducted, the front of desk person had also had chance to process the situation and upon leaving apologised... This was much appreciated by me and my parents... Thank you for this. When you have parents with these conditions, it's such a challenge for them to do anything and I really hope this review is passed to your Pudsey branch. Thank you
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kat
14 hours ago
Beware of switching accounts to…
Beware of switching accounts to Santander offering a cash incentive. Buried in the small print and not in their advertising headlines, you have to deposit a minimum of £1000. How long are these organisations going to get away with this aka PPI and Plevin? We need a consumer protectionist government to clean them all up.
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fucksantander
2 days ago
This bank is horrible
This bank is horrible. Once a month your card will decline regardless of what you’re buying, or how much is in your account. Also the people who work customer support are clueless this lady was asking me the questions about how Apple Pay works lol. Recently had something for $33 pop up on my account and was a recurring bill from Apple. Called Santander they recommended closing my card and ordering new one ok no biggie. Call Apple they say it’s something I purchased months ago and for some reason Santander declined it but it went through on my end. I was charged $33 for 4 different purchases of $4.99 but combined into one purchase. At first I called Santander to cancel my card because there is nothing from Apple that is a recurring bill and cost $30. So I Call Santander back to tell them what Apple told me. Cards still blocked have to wait for new one to come in I don’t carry cash ever have to get gas on my way home from work. I can’t because I’m 3-11 and my cards blocked and they can’t undo the cancellation. Looks like I’m sleeping in my car at work thanks Santander ! Will be switching soon.
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pankaj mankad
4 days ago
Absolutely useless service
Absolutely useless service. Suggest you use other banks for whatever financial need you have, savings, mortgage, loan, overdraft etc. This bank has one of the worst customer services, delay after delay, (oxford comma required here!) and, to top that, they don't care even if you lodge a formal complaint.
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eda bulgan
7 days ago
my first car loan and its completely…
my first car loan and its completely disappointed... I am trying to pay off my car and their agents are liar... to tell the lie consumers one of your shamelessness... never work with them...
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randy clark
8 days ago
These people suck
These people suck. I got a refund when I paid off my car and they put it on a prepaid debit card that has no atm access. I am sure some how someway this makes them money. I am so glad I refinanced my car after on y a month with them .......
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emma cogzell
9 days ago
Partner had opened a savings account…
Partner had opened a savings account due to the a higher interest and moved a significant amount of money in there. However login details to access the account took weeks to arrive. As a result the interest rate then fell short of what was on offer nationally so he requested I have it moved and to close the account a few months after opening. This proved to be a difficult experience as the fraud team were contacted, despite him verifying his account as standard. As a result he was unable to close the account over the phone and had to go to a bank in person in order to have it closed, with the closest bank being in our city centre. Furthermore, when speaking to a colleague at the bank they were unsympathetic to the issues he’d experienced and appeared unprofessional and unmotivated in the front facing role.
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michael bourque
10 days ago
This is the worst bank I have ever done…
This is the worst bank I have ever done business with. If you have a serious problem, don’t expect any meaningful help. Run from this bank.
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julia murphy
10 days ago
I have a mortgage with this company and…
I have a mortgage with this company and have had to speak to their customer service over the phone a few times recently. Can I say, I’ve never dealt with a more lack lustre unhelpful, unempathetic bunch of awful people in all my life. If I could give 0 stars I would. If I could take my business elsewhere, I’d never deal with these cowboys again. If you need help and advice about your mortgage and payments, just don’t bother as there is no help available from this company. I’m not even in arrears so it’s not like I’m in a battle with them, just wanted some friendly advice after losing my job over night. Where are you getting your staff from, nightclubs at 5am ????
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norman atkinson
16 days ago
What customer service ?
My on line access to my account has been blocked since 15th Dec 2022 and is still blocked at 20th Jan 2023. I tried to make a payment to a Company whom they decide was suspect. I accepted this and obviously would not try again with this Company. They blocked the account and I cannot draw money and if I contavt them they ask what I propose to do with it as only esential payments can be made eg. buying food ?? This is my money and all they can say is it is being investigated no time scale is promised. Obviously I will be changing my account as soon as possible. MY MONEY NOT THEIRS. In competant.
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cm
17 days ago
Don't bother dealing with them
no customer closing offices left ,right and centre. Anything you want to do in an office they suggest "do it online" and leave them on the dole queue. bank online is rubbish. if I wanted to bank online I would open an account with ING direct
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maggie mich
17 days ago
People at this banker are very sneaky…
People at this banker are very sneaky and they are giving different rates to different people at their own discretion.
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richard burgess
18 days ago
This so called bank needs closing down
This so called bank needs closing down. Your an absolute disgrace. I phoned you twice to tell you i was traveling down to Surrey to purchase a car and didn't want any issues when purchasing it through a reputable dealer. I told you the date, time, location and dealership name and the amount I was spending but low and behold on the day you blocked it and had the stupidity to phone my home 260 miles away thinking i was home when i told you I'd be in Surrey. 3 and a half weeks later you tell me you did nothing wrong. What? Honestly i wish you would disappear off the face of the earth with all the rude staff that have dealt with my case.
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jeremy betrand
21 days ago
GET HELP NOW!!
Hey guys I also had issues with the same company and lost a ton of my money but then I stumbled across the website who hot it back form me in assetrecoup. com helped me get my money back and helped put this fraud company to justice!!
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ngoc lan
a month ago
Horrible Customer service
My mother can't paralyzed. Can't speak much English. She want me call them for her. she just need to banking online. After verify anything then they keep hand up on us multiple times. if anyone have the same situation like me. please take your business to the other bank.
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brad taylor
a month ago
Avoid using Santander at all cost I got…
Avoid using Santander at all cost I got scammed out of money on a phone call from them iv reported it to the fraud team and got declined so iv lost out on a lot of money do NOT use this bank if you want to keep your money I’m absolutely fuming
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michael bourque
a month ago
Avoid this bank at all cost
Avoid this bank at all cost. I deposited a check and it bounced. The fraud unit got involved and froze my account. This is week 5 and they still can’t tell me when their review will be complete.
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lucia letren
a month ago
I wish I had read the reviews before…
I wish I had read the reviews before switching from barclays to santander. The worse account and online banking service.
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cheng wu
a month ago
A terrible bank that behaves like a hustler
A terrible bank that behaves like a hustler. They tried every way to squeeze money out of you without proving proper transparency. Real life experience: 1) they charged me a fee for a service which they could not provide me the evident that I did order such service. They simply replied me that I ordered it. 2) they said please let me know if you a prolonged deadline on providing requested documents. And I did request for an extension in time. But they did not reply me in time on purpose. So my original contract got changed, and they can charge me higher interest rate. 3) in order to get our of my ridiculous contract, I asked for the total amount I have to pay back. They said they will provide the amount with breakdown to me in written. At the end, I paid this 10 EUR fee for a letter that provide me 3 items of cost only ( the debt, the penalty, and this service fee 10 EUR) what kind of break down is this ? And most importantly is that this is a wrong amount of money. 4) So, I figured this bank is definitely a hustler. I paid the exact amount of money they asked for, and I requested for a clarity about this calculation. And the bank replied me and charged me another 6 EUR. And still there is no break down, and they bank said I paid too much to pay back (and I did not know why it happened at the first place simply they never wanted to reveal the calculation) 5. Hotline service always said they cannot do much on the phone. And the bank only reply your email/request by postal letter which comes very late on purpose. 6. Again, they provide no clarity on purpose. It is a modern-time hustler.
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jd
a month ago
Your Account Will Switch Automatically And Nothing Can Go Wrong Can Go Wrong Can Go Wrong
Using the switch system, I moved my account from my old bank to Santander but I wish I hadn't. The switch guarantee said it would be over and done in 7 days. I was sent a card and on-line access, but after 10 days my account still hadn't transferred. I received a letter telling me to go into the branch and when I went into the branch they told me they couldn't do anything and that I should call the number at the top of the letter and when I called the number and selected the help option I needed it rang out for more than 20 minutes before cutting off. And now some 30+ days later they have sent me a letter saying I should go into the branch and I have a feeling I would get some sort of Groundhog Day experience by repeating it all again. I will never use this bank again.
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helen o
a month ago
Such a terrible bank!!
Such a terrible bank!!! I had a student overdraft loan and was told I wouldn’t pay any interest. They started charging me overdraft interest even after paying back the loan. I DO NOT recommend them for students
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scott c
a month ago
Santander debit card chip failure. None of my cards with a chip have lasted over 6 months. The required signature does not resemble one's own without a fine point permanent marker. Class action?
Offer Santander debit cards that don't fail easily. Take responsibility for bad customer service experiences.
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colin johnson
a month ago
Hopeless
Hopeless, absolutely hopeless! Santander froze my account for I not know why? Maybe because I tried to move a large sum of money the day after opening the account! Then absolute nightmare trying to get my money out!!!
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charlie cachia.
a month ago
Got Badly scammed.
Got scammed. Badly needed help to get my funds Back got No sympathy or compassion whatsoever, I've been with them since the age of 18 now 67. I feel totally let down and violated by what they said to me from the fraud department, just twisted everything I was saying after keeping me waiting ages for some helpful assistance. Absolutely Devastated with their lack of care and consideration, or even the opportunity to negotiate some of my losses back, shameful!!
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greg
2 months ago
they could not fix the problem of no…
they could not fix the problem of no online banking. So used switch service to join First Direct bank. Now I have online banking
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ola szczepanik
2 months ago
I wish I read the reviews before…
I wish I read the reviews before opening my back account.... Simply AVOID!!!! (specially if you have disability or special needs) Terrible customer service, useless app and not knowable or skilled workers at the brach.
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cheryl wood
2 months ago
I have been trying to get my car loan…
I have been trying to get my car loan statements emailed to me and I have no way to get through to the Santander site. They said I'm in bankruptcy and not allowed to use the site. WHY THE HELL NOT????? I ALMOST HAVE MY CAR PAID OFF AND WANT MY STATEMENTS SO I KNOW WHAT I OWE. THIS BANK SUCKS AND I WOULD NOT RECOMMEND IT TO ANYONE EVER. I WANT MY STATEMENTS SENT TO my email that is on file.
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soyfroy vlog
2 months ago
Do Not Finance a Car with this bank…
Worst bank ever ever, my dealership financed me through this bank. My credit wasn’t that good that was fine however, I was hit with extremely high, interest-rate and fees, and worst of all worst of all I get penalties for paying more. I tried paying off my loan more than three years ahead of time and not only I won’t save any money they actually add 300.00 fee to the whole amount. You are better off using those, buy here pay here, dealerships. At lest with buy here pay here you can get out of the loan and save hundreds and even thousands of dollars
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shannon paquette
2 months ago
Please do not take a loan out with this…
Please do not take a loan out with this establishment. I paid a loan off on a vehicle ahead of schedule, received the title and a bank card with the over payment amount on for paying ahead months ago. They just filed another delinquency claim on my credit report knocking my score down over 60 points. Customer service passes you around, and tells you to call back to different departments.
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s mehrez
2 months ago
Almost always difficult to get…
Almost always difficult to get international money transfers out of the account . Transactions can be successful at the time but after a few days you may find that it has not been processed with lots of inconveniences and disruption of your finances.Tried to phone the bank before making the transfer as well , not helpful .If this is a concern for you do not use that bank.
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clinton green
2 months ago
Worst Bank & Legal Fraudulent Bank
Worst Bank! Lack of Customer Services Legal Fraudulent Bank I opened an account for 5 years and ended up selling my car and recieved a payment inwhich I tried to return as I couldn't return the money back to sender and Santander kept the money in the IPA as the profiting agenda. They have also blacklisted me and I can't open any account anywhere.
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habtamu wondawek
2 months ago
I don't why there is no negative star…
I don't why there is no negative star option atleast for Santander and it's customer service. The customer service is treat you as if they are on war. They don't what a customer service means and what is expected from them. They hang up the phone on me intentionally and the reason I called was because I get an invoice for the loan I didn't take 😂. That's Gross and rubbish. Anyways I don't recommend anyone even the devil to be Santanders customer.
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alessandro
2 months ago
Santander are well beyond a joke like…
Santander are well beyond a joke like most banks that control OUR money. Would not allow me access into MY account even though I put my right pin code. I now have to wait 4- 6 days to get access to MY account. They have to send it via post. With all the technology today Santander have to send via post. Just pathetic & what's even more pathetic is the excuses that are made regarding security. I have been investing in crypto for 3 years now. DeFi crypto is the way to go. Media & bast**ds like big banks want people to believe crypto is a scam because they are worried they won't be able to control OUR money any longer. Hopefully that will be soon
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nel
2 months ago
Do not rely on them if you are a sole traveller
I told Santander I would be travelling to Cambodia in advance to avoid having my card blocked. They have blocked my card after I tried to buy a bus ticket. I’m a sole female traveller in rural Cambodia. I managed to access some poor WiFi and communicated with an individual over the app chat function. The only option was for me to call a number to try and get them to unblock and allow the transaction. Even after I could describe the transaction and I was contacting them via my secure app they refused to do anything or escalate the issue. (Except to a complaints team that would get back to me in 3 days!)I explained that I had no access to phone calls. They refused to assist me. Completely inflexible. They said it’s for ‘security’ yet seem to think it is fine to disregard my personal safety and leave me without the ability to use my card. I’m now having to try and contact friends and family over WiFi to try and assist me. The bus ticket transaction was for only £15 and they allowed a payment for the same company a week ago.
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сергей халандачёв
2 months ago
Moje konto zostało zablokowane w piątek…
Moje konto zostało zablokowane w piątek wieczorem bez żadnego powiadomienia. Nie mogę kupić jedzenia, kupić biletu autobusowego, ale mam wystarczająco dużo pieniędzy na koncie. dzięki Bogu zapłaciłem za internet. Support powiedział, że bank ma 15 dni na informację zwrotną i dalsze działania. Oddziały banków nie działają w sobotę/niedzielę, aby zrozumieć, co się stało. Mówisz poważnie ? Jak mogę zapłacić czynsz, otrzymać pensję, kupić jedzenie. Ukradłeś moje pieniądze. Lekceważenie klientów. Nie polecam nikomu tego banku My account was blocked on Friday evening without any notification. I can not buy food , buy a bus ticket but I have enough money on my accounts. thank god i paid for the internet. Support said that bank has 15 days for feedback and next actions. Bank branches do not work on Saturday/Sunday to understand what happened. Are you serious ? How can I pay rental , get salary , buy food. You stole my money. Disregard for customers. I do not recommend this bank to anyone Location Poland/Warsaw
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joris vd
2 months ago
Na wat onderzoeken en observeren...
Na wat onderzoeken en verschillende reviews te bekijken. Ben ik tot de conclusie gekomen dat -Deze bank te vertrouwen is. - Spaarrekening en rekening niet hetzelfde zijn. Wat dus betekent dat de APP niet compatibel is met een spaarrekening. Veel mensen lijken dit niet te snappen en geven dus een barslechte 1 omdat ze niet ingelogd geraken. Al bij al geef ik een 4. De spaarrekening doet wat het moet doen, geld ontvangen en geld terug storten met een zeer interessante interest en geen verborgen kosten.
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ga
2 months ago
Amazing experience!
Amazing experience! I have recently been the victim of a text scam where the fraudster sent me a text purporting to be my son needing help with a rushed payment for a recent private operation. To cut a long story short I sent the payment, then immediately realised that this was indeed a scam. Santander have been really great in helping me with this massively worrying problem and I can't thank them enough. Also I would like to add that we recently moved house and the help that I received in-branch at Santander was first class. Thank you Santander.
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luis pascual iii
2 months ago
This morning at 7:53am I attempted to…
This morning at 7:53am I attempted to withdraw $900 from the Santander ATM at 700 Main St. Waltham, MA 02451. I withdrew $600 with a surcharge of $7.50. I was going for the last $300 when the machine decided to let me know my card was corrupted and kept card, mind you I have a picture of my two daughters on the card. The card is not from Santander. So, I decided to take whole lunch break to drive back, which takes 20 minutes each way, to retrieve my NetSpend card. The woman in charge of operations from India told me it's not in the machine and and if she found it she would shred it. I would like to know why? Why do I have to pay for a new card and why I am being treated like this when Santander always charges for withdrawing with other bank cards. I feel genuinely misunderstood and neglected because I don't have your bank card.
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shannon
3 months ago
T.G Plaistow branch
T. G. from the Plaistow Branch went above and beyond for myself and my husbands account. He is always extremely friendly, kind and helpful every time we go there. He took the time to make us aware of a better account that we could sign up for that would benefit us. He was looking out for our best interest, and we appreciated that.
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gerard hayes
3 months ago
Grim customer experience
I just cannot understand how a major UK bank can get away with such an awful level of customer service.
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chris davis
3 months ago
Dishonest and worst customer service I…
Dishonest and worst customer service I have ever dealt with. Taken more money from my account than they should, then when I approached them, they apologised for their mistake and said I would get a refund. The refund never arrived. Then I rang them again, they said they were wrong and they owe me nothing. When I gave them the evidence, they just put the phone down. We will be taking them to our legal representatives for sure. Never experienced this terrible service in my life.
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dmac
3 months ago
Even after >3 hours, Santander could not move money from one account to another
I spend a total of >3 hours on the phone to them simply trying to move money from my current account into my mortgage account to clear my mortgage balance. I spoke to 5-6 people. Nobody could help. Nobody knew anyone who could help. After >3h the line went dead, nobody called me back, nobody has contacted me since. I'm leaving Santander. I have had enough.
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manda nicole
3 months ago
Poor bank for auto loan
I have an auto loan through them and I pay on the account weekly and they tell me that is really doing nothing to my account by paying weekly although i make great payments they blow my phone up now reporting my account to the credit bureau. If my payments are not good enough when I pay a significant amount each week then let them take the car and repocess it. They act like my account is months behind. Use them at your own risk most horrible bank ever and rude too when i told them I was working when they called they told me I should not be answering my phone like they pay my bills or something
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robert wewer
3 months ago
I wouldn't even give this back one star…
I wouldn't even give this back one star but I have to give it one star. This bank is horrible. I deposited a certified check for a little over $9,000 in the usa. Certified check certified check tell her tells me funds will be available second day just like always and they have been whenever I deposited other checks but for some crazy reason they decide to hold it for a whole week and I still don't know what they're doing so this Bank stay away from this Bank stay away from this bank!
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vladimir shvartsman
3 months ago
Worst bank
Worst bank . I cannot make mobile deposit for no reason and nobody in bank can help and know reason why demobilized deposit doesn’t work .
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tony fisher
3 months ago
Santander opened my account but stopped…
Santander opened my account but stopped my switch for the Queen’s funeral. I spoke to a nice man who had to re apply to start the switch again. This was duly done and correctly, I have the letter. Come to incentive time an Santander deny they did a switch to their 123 lite account, so no incentive. It’s called 123 because you get cashback at those rates, but apparently my account doesn’t get this, even with the providers they list, they don’t know why and can’t fix it. So that’s right I have a 123 cashback account with no cashback and they have no clue why. I’ve never done an incentive before and never will again. I need a pair of those scammer pants Ant and Dec offer on TV to protect me from Santander. So I’m back to Lloyds where money is boring but it’s safe.
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doc
3 months ago
Dreadful Will not even try it - AVOID
Dreadful Will not even try it. AVOID Opened the account and uploaded my documents got email back 3 weeks later to submit my documents, uploaded those, then went to Branch in Hayes, London they uploaded the documents, guess what got email back 3 weeks later to submit my documents, went to a branch in Liverpool, they uploaded the documents, guess what got email back 3 weeks later to submit my documents. They are not humans, aliens? Now happy with a big Global Bank.
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tom panacz
3 months ago
Useless bank
Useless bank , money gone don't know where Avoid!!!
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annoy
3 months ago
An absolute joke
An absolute joke. Just transferred 24k from ‘my’ own Lloyds account to Santander UK than, I was block twice to transfer them back to my own Lloyds account. Rang them serval times to try to get it unblocked then have it blocked again. And it take unbelievable 48hrs. I was also subject a long lecture session about scam and interrogated with questions about the reason of moving that sum of money. They are beyond a joke and my belief it’s running a retail bank in UK not in Nigeria, it’s no way I will even put my cash in this bank ever again. Santander is a scam itself holding up my money!
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david
3 months ago
Awful
Awful They stopped me moving money to a savings account now I have trouble using my two cards online .I gave doesn't over 3 hours on hold in the shop and at home trying to fix this Last attempt this Saturday then I'm changing banks
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christopher sowden
3 months ago
They changed my online banking login…
They changed my online banking login without my consent. they locked me out. they were to send passwords IN THE POST ( During a postal strike). Told they'd be with me in 8 days. After day 8 Ichecked and was told nothing had been sent. What an appalling joke of a bank. Once sorted I will leave. If possible my 1 star rating would be zero. Avoid at all costs.
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jacqui edwards
3 months ago
Absolutely awful customer service 4…
Absolutely awful customer service 4 times I contacted them and nothing done!!.. I made a complaint, I was told complaint was closed when no one even spoke to me. 50 minutes to get through to an awful advisor. Switched account to another bank today.
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john boyle
3 months ago
Awful
No communication is possible. Non existent customer service. Basically bad enough to make you want to eat your own kids.
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paul devey
3 months ago
Blocked my account and now I am on hold…
Blocked my account and now I am on hold to customer services so far 48 minutes . this bank is rubbish Obviously will close my account when I get through stay well away they really are very bad.
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theresa small
3 months ago
Excellent service
I just spoke with Ian you adviser. He was more than helpful. An asset to your company
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fern
3 months ago
Absolutely awful experience
Absolutely awful experience, I’m an existing mortgage customer and the way they treat me is awful, every time I speak to someone I get different advise and they don’t make things clear which I feel they do on purpose so you struggle to get a solid answer. Do not use for a mortgage lender!!!
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david
3 months ago
Awful service
Awful service. Declined transactions whilst abroad despite advising them that I was out of country and had plenty of available funds. Then they managed to lock my account and then were completely uncompromising with their process to regain access. I would have had no access to my account for over two weeks - luckily I have alternative options. Worse banking experience I have been exposed to.
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matthew cangialosi
3 months ago
Closed my accounts with no reason…
Closed my accounts with no reason given, I have been a customer for 27 years. After digging further they said I had too many pay pal transactions and the risk department decided to close account , I play poker online and make frequent deposits and withdrawals. This was done with no prior warning. They lost a ton of business from me and my friends , family and as well as my business. Poorly Run, terrible Customer service .
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ian mackay
3 months ago
Do not touch this bank with a barge pole
As with numerous other reviews on this bank, I can concur that it is one of the most useless and unhelpful organisations I have ever had to deal with. Our Golf Club has had a business account with Santander for some 20 years and we have never ever been in debt. Recently we were asked to submit various pieces of Golf Club documentation for what we assumed was for updating our records. All paperwork was submitted and originals returned. A stamped addressed envelope was included for us to send one other piece of documentation. This was sent immediately but some days later we were contacted by a department saying that they had not received any paperwork. It was pointed out that it must have been received as we had received the originals returned to us. After a prolonged wait and being shifted to different departments someone eventually acknowledged receipt of the said paperwork and all was in order. A few weeks later we went to pay in our weekend takings at the local post office and found we could not access our Santander Account. Phone call was made and we were told that the account was closed and would not tell us the reason. It did not matter who we spoke to at Santander as we were read from the same script by all that the terms and conditions state that the bank can close your account at their discretion. We were told that the some £25,000 in that account would be sent to us by cheque. We have still to receive this cheque and in the meantime we have had to find money elsewhere, at a cost, to pay staff wages. The only piece of satisfaction I have today is reading that Santander profits have fallen 27.5% this third quarter. The sooner this bunch of Flamenco Dancing half wits up sticks from our shores and return to Spain the better.
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robert cox
3 months ago
Increased cash back on energy bills for…
Thank you for increased cash back on energy bills for 123 account
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pete
3 months ago
I've been trying to resolve an issue…
I've been trying to resolve an issue and have been on the telephone for over 3 hours, still in a queue. The customer service is so bad that I am going to shut down my accounts and transfer my hard earned cash to another bank.
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am
4 months ago
Unbelievably bad - stay away!
Santander has the worst customer service setup I have ever encountered from a large organisation. The digital experience is something from the early 2000s. I'm unable to check my car finance balance or make payments online (for no good reason) leaving me no option but to call in but.... it's been 20 minutes and counting and I'm still waiting (and it's the same every time). I will never, ever bank with them. It's beyond belief how much contempt they must have for their customers to leave things as poorly set up as this.
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roger
4 months ago
Didn't receive the £175 for switching current account
Phoned up to take the current account switch and receive £175. Appointment was for 19/09/22 and closing date for applications 22/09/22. Santander phoned to re-arrange appointment as they were closed 19/09 for the Queen's funeral with no mention I would no longer be entitled to the £175 if after 22/09. At appointment told I didn't qualify as the date had passed. After raising a complaint was given an unacceptable £100 ex gratia payment. No doubt many other people were affected by the closure on the Bank Holiday but Santander didn't warn customers they would miss out.
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philip
4 months ago
'Santander solves its Customer Service issues - by virtually doing away with it altogether!' - NOW SUCCESSFULLY RESOLVED
A few days ago, I called Santander for what I thought was a simple question, but which I couldn't see answered online. My call lasted 49mins 21 secs at 17.47, and can corroborate this. Most of this time was spent waiting in the queue. But when I was eventually answered, I could not understand what the person at the other end was saying, because, in my opinion, of their poor command of English. The person sounded unhelpful and when I asked the question, they put me on hold for a fair length of time, before coming back to me. I still found it hard to understand them, and get a response from them. My question was simply 'on which day would a newly-opened account pay its monthly interest', hardly rocket-science. The assistant simply didn't appear to be able to give me a definitive answer! To have wasted almost an hour on the phone, I am far from happy! There were sufficient patronising announcements continually apologising for how long I was being kept in the queue. and how important I was as a customer! While I consider Santander's wait-time very poor, if, at the end of it all, you can't understand the person who answers you, then it's a real waste of my time. I decided to complain about this, but it seems that Santander now doesn't have the facility for customers to email Customer Service. Instead you've got to go through their personal direct-messaging system via you online account. I had the immediate automatic response, and promise of a reasonable length to wait for a reply, but I'm still waiting for this! In this broken country of ours, every call centre starts off by saying, 'We're experiencing a higher volume of calls, so the waiting-time will be proportionately longer. It's a vicious circle, because by increasing wait times, and using cheap labour whose first language can't be English, this causes far more customer compaints, which then aggravates customers even more, After hanging on for an unacceptable time, the fact that the assistant sounded completely disninterested, I think - or else didn't understand my ex-teacher's clear and strong voice, Santander might as well not have any Customer Service any more. They know that I'm hardly going to change my personal accounts bank, because it would be such a hassle, so they dont give a toss about customers. Clearly a bank that treats its customers like a nuisance to them, much in the same vein as the present government does, unless you're rich! STOP PRESS! I was contacted by message and a phone call from Vicky - Santander Complaints Team - the very next day. Vicky apologised on behalf of Santander and, having played back the phone conversation I had had, felt that my criticism of the assistant's apparent inability to understand plain English, was fully justified, and she gave me the answer to the question I had tried to ask, in no time at all! Obviously the amount of time I was on the call, was another issue, and, reading other comments on this thread, it would seem that waiting times certainly need addressing, as well as the ability of the person at the other end to communicate in my native tongue. I was very pleased to have been compensated for the amount of time I had wasted, and the fact that I hadn't been given a clear answer when my call was eventually answered. I am pleased to say that Vicky restored my faith in Santander UK, and on the basis of that alone, I would have subsequently revised my rating to 5/5! It's always a real recommendation for the Trust Pilot platform, and its ability to get a much quicker response from a third-party company. So, thank you, Vicky, and Santander, as well as Trust Pilot for giving me the opportunity to complain in the first place - and then to commend, following a mutually acceptable resolution!
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ant thomas
4 months ago
The only bank that will let someone…
The only bank that will let someone draft out of your account when it’s 0$ then charge you a overdraft fee…I’ve switched to Bank of America better overdraft protections and reimbursements.
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tony dang
4 months ago
atm ate my card
So the atm ate my card, asked the staff to open the atm to get my card back they wouldn't.. lazy? Canada waters branch. Or think they are good for the job?
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customer
4 months ago
The worst online banking ever
The worst online banking ever. I tried to set up a new payment. When it got to the one-time-passcode, it failed to arrive. Instead of giving me the option of requesting another code, I had to start the set up all over again - and again - and again!. The online chat does not exist. If you ask to chat with an agent, it just tells you to phone (a number that never seems to be answered).
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bill
4 months ago
Customer non service..the worst yet
Really poor, slow and inefficient customer service.. the member of staff that l talked to on the phone simply didn't listen and made a complete mess of things..he shouldn't be in a customer service role.
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alistair garner
4 months ago
Want to transfer some money and they won't do it.
Twice now I've tried to transfer a fairly substantial amount between Santander and another Bank. Both times, they just haven't done it because they thought it might be fraudulent. Neither time did they advise me, and the best thing is "because you used the mobile app" The first occasion took me a couple of days to realise that the money hadn't transferred when I received a message from the recipient, making me look dodgy myself. Like other customers, it took me well over an hour to get through, then longer to be put through to the Fraud Dept. When I asked why I wasn't informed, they told me sometimes they do, sometimes they don't! The second time took even longer, same nonsense but this time I asked to be put through to the complaints dept. Guess what? I was told there was a long waiting list of people trying to get through, and they could call me back. 3 days later I received an email from them acknowledging that I had called regarding a Bank Transfer and included instructions on how to do this! A further 3 days and a lady called. I explained (politely) that my grievance was them not advising me that they were withholding my money, she admitted than in a few cases the sender isn't informed, sometimes they are (by text) especially if the transfer was made using the mobile app, after all, if the phone was being used fraudulently, sending a text to the same phone wouldn't help. I asked then why they couldn't used the phone like she was doing now. She didn't have an answer. No assurance that it wouldn't happen again. And correct me if I'm wrong, isn't Santander, like all other Banks pushing its customers towards mobile banking? I pointed out that I pay a monthly fee to maintain this account and it's not their decision to refuse to transfer my money. Fell on stony ground, they don't care.
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cherry gwynne
4 months ago
I would not advise anyone to bank with…
I would not advise anyone to bank with Santander. I have been with them for years and they have made a fortune out of me in bank charges. Due to unforeseen circumstances I a currently going through a difficult time. I am working with StepChange to try and resolve my situation. Accidentally my overdraft was considered a debt so Santander have now withdrawn my overdraft blocked my a/c and my card. I have spent hours on the phone trying to reach some sort of resolution. I have logged a complaint and I was told the block on my card would be lifted. What they failed to tell me it would take 5 days. Not one person I spoke to gave me a concise accurate update on my situation. Not one person appreciated I was going through a difficult time. Not one person asked me how I intend to resolve the situation. I am broken, they have no compassion. I own my own house. I have no mortgage but they will not help me. I expect an inheritance in the next couple of months. My a/c will be closed.
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tanya burgess
4 months ago
Wouldn't even give it 1 but can't give…
Wouldn't even give it 1 but can't give a 0.. worst customer service in all the time I've been alive. Waited hours when it was a urgent matter for the guy to put the phone down. Then had to wait over a hour again when my account was locked and couldn't access it. I will be changing bank accounts immediately. The worst bank ever in history.
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mr cater
4 months ago
The worst service
The worst service. No mortgage advisers in branch: the whole mortgage system is managed via the telephone. Can't get through, can't even engage with them via text. Go elsewhere.
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dr john price
4 months ago
A form of virtual torture!
On a previous review - written about an hour ago when I foolishly assumed that my call would be answered soon after the hour mark had passed I was sadly optimistic (if that's not an oxymoron! - Santander and service certainly is!). Coming up to two hours now and I can feel my resolve slipping away. The cruelty as the call pauses and you wait in eager anticipation to hear a real-life person's voice is akin to a form of water torture! The Dalia Lama himself might find this a testing experience in patience and frustration control! May need to pass the customer number on to a masochist's website!
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ariana hannibal
4 months ago
Customer service over the phone and…
Customer service over the phone and branch are never on the same page. I have been getting the run around for 4 days now trying to get a voided check from them. Tried closing my account and they refuse to close it even though there is a zero balance
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mr kruger
4 months ago
Blocked my account because i was paying…
Blocked my account because i was paying my debt and credit cards for no apparant reason. Been on thw phone for 2 hours and no one to answer the phone. How do u expect me to feed my kids tonight with no access to my own money. Shame on you Santander. How must i tell my kids that Santander are not helping me by answering their phones so we can resolve this issue. My poor kids are hungry.
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dorian bakalov
4 months ago
Been customer for 10+ years
Been customer for 10+ years. But progressively they become worse and worse. All the budget cuts led to the bank being know as one of offering poorest services in within the UK
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bpcf
4 months ago
Atrocious and appalling
I have been with the same bank since the old Alliance and Leicester days but these days Santander properly suck. Where do I start? Ok, mortgages: They sold me a crappy interest only mortgage and now pester me for money. The online banking barely works. Websites seen to be down more than up and the banking app doesn't allow you to do basic stuff. Particularly with business banking. Customer service is a joke. Good luck finding a phone number and good luck getting through to someone of you do. Also, be prepared to repeat. "At Santander my voice is my password" 600 times and then still get asked to verify if you do get through. Finally, I pay white a few foreign checks in. You can't do it over the country anymore and have to send them in. I posted them on the 24th July. Money was taken in fees on the 4th August. Despite going to the bank to try and find out some info why it was taking so long they were useless. Checks used to take a week or so. Why the hell is it taking 2 months!
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parvin
4 months ago
Worst bank
Worst bank, I applied for a current account online, they kept asking for documents upload repeatedly even though I went personally to the bank and submitted my documents. It's been 20 days now no reply from the bank about my account status.
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jax
4 months ago
Appalling custimer service
Appalling custimer service. They never answer calls, your just put in a queue, and this queue is hours long, not minutes. Basically you just stay in a queue till you eventually give up. The complaints line is exactly the same. If you think there maybe a time you actually need to contact a bank, avoud these like the plague. Four days now I've been trying.
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tony fink
4 months ago
A total disgrace
I have just read many of the reviews and cannot understand why the Banking Regulator does not step in and investigate. I left Santander years ago due to many of the reasons highlighted by these reviews and consider their Customer Service to be an absolute disgrace.
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needham
4 months ago
Unsatisfactory experience no help.
I don't wright mostly because I am a poor speller, But I have had a very bad experience with santander, and l Ave to tell my experience. My neighbour is 92 and no family, she as bean very hill in Hospital and given up on her home she as gone in to a care home which is very expensive, we tried to set up payments to the home without success ( absolution horrendous). We tried over the phone for hours no good she needs to go to the bank with proof of identity, she couldn't work we got her their in a wheelchair and three types Of id , not successful ,they need more information, so we after do it all again.
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genesis
4 months ago
A terrible experience switching another…
A terrible experience switching another current account over to this mob. They messed it up completely even though I have other accounts with them, and they told me they knew I was an existing customer. I fully expected to find my NEW account listed along with my older ones when signing into online banking. Especially as I had been advised by e-mail that my new account was up and running. But nothing to be seen, nothing at all on the app either. 2.5 hours of phone calls and waiting later, I find that they have opened my new account in a different name. So I now need to wait for them to send me new log-in details before I can access my Shiny new account. Or i need to go to a branch with ID to be able to 'MERGE' the two acconts together. What total confusion. I hope I get my £175.00 incentive to switch payment. But I doubt it, Will keep you all updated.
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francis coulson
5 months ago
Technical processes today can be…
Technical processes today can be confusing especially for old adults. Today we called for help for a new cell phone with your mobile app. The customer service employee was able to setup 5 digit pin to log in, security assessment, explained ease of access and cured our mood from frustration. She was wonderful 6 stars !
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luke rogers
5 months ago
Moved mortgage to this bank from the…
Moved mortgage to this bank from the superb HSBC. Instant regret. Absolute clown bank. Won’t even answer the phone so nothing else I can really say about them.
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mariluz santos
5 months ago
This is the worse bank
This is the worse bank ! I’ve been wating for a check deposit for 4 months now and every time I call nobody knows anything and nobody can help, can’t wait to close this bank account ‘cause honestly I think they are just trying to steal !! Worse bank ever !!!
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laurie jakavick
5 months ago
Never bank at santander
I deposited cash at a branch atm after hours. The cash got stuck in the machine and returned my card with no receipt. I called customer service at 800 am the next morning and was assured it would be corrected and deposited within 24 hours. That Never happened. I have called three days in a row and was told the exact same thing. 72 hours later, still no deposit. This is absurd. Three days of missing cash with no action. NEVER GO TO SANTANDER BANK!! I also ordered euros for a recent trip. I was told it takes a week to receive them. I took 9 days. Other banks take 24 hours. These guys just don't care. No pride in their business practices.
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barry
5 months ago
Santander are so bad
Santander are so bad, I called them to remortgage my existing mortgage last year but have a second charge for work I had done on the property. I still have 150k equity in my property. They wouldn’t even combine the two so I can have one monthly payment and said this is debt conciliation and said we can’t help. I call them today a year on as my house is now up for sale through choice as I am looking to move into rented accommodation in a better area and can’t afford the mortgage and the rent, so I asked for a freeze for a short period of time until my home sells, guess what they stopped doing that in March. I’ve been with them 10 years plus and never ever missed a payment or been in debt. I have found them to be the most unhelpful bunch of clowns ever. They make me feel like I’m in debt and should speak to their debt team, even though I’m not. I’m changing everything over, they are useless. I only scored them because I had to.
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chris
5 months ago
What customer service??
I had a pcp through Santander which I was looking to clear. I made multiple attempts to contact the customer service desk and even spent 5 1/2 hours on hold trying to get through. Do they even have a customer service team?? Dreadful service. I emailed to complain but no response.
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theresa harding
5 months ago
Lost my loan application
Lost my loan application. Went through to complaints as my signed application was faxed from Santander branch and they still managed to misplace it. When I called i was put through to Ashley who said was so sorry and she would follow it up in the morning and call me back. Well today is the day Ashley, no call, no nothing! Where are you Ashley!! What next with this fiasco ?
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konstantin kogan
5 months ago
Not possible to wire out to external account.
I had no problems with the bank for many years. Problems started when I decided to transfer money from the bank to another institution to get more interest than Santander 0.03%. The bank did not allow to do a transfer on-line, I had to visit a branch, then they delayed my transfer and finally they just cancelled the transfer of my money without any reason. Now I am still fighting with them for my own money. They don't give me contact info of a president or any high level officer. Are their actions legal?
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russ
5 months ago
If only a Review really affected the people it’s reviewed…….
I had to loose 2 hours of my life one afternoon waiting for the call to be answered or put through to the Future Payments Department and no resolution had. My complaint about this was upheld and I was given a sticking plaster bung of £50 to make me go away and told unfortunately I still needed to make contact! Also told the complaint was closed as far as they were concerned but if I disagreed then contact the Financial Ombudsman - no opportunity to talk about it with them. Didn’t call at a booked time for the initial response and then said they couldn’t get hold of me after leaving a message 5 days later. How do you complain about the Complaints Department????? I’ve ticked the box for Santander to see this, I’m not a betting man but I reckon the chances of feedback from them are about the same as my perception of their shower of a service. Keep it under your mattress, and at least you have some input and control of your money compared to what’s on offer with Santander service. God I wish Review’s had some teeth. Avoid these muppets.
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marco
5 months ago
Deze bank is een lachertje
Deze bank is een lachertje. Op 10 augustus vroeg ik een lening aan en direct moest ik online van alles aanleveren en ondertekenen. Helaas is er daarna helemaal niks meer gebeurd en reageert men ook niet op vragen. Ik ben benieuwd wat er met al mijn persoonlijke gegevens is gebeurd.
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rakesh
5 months ago
All the team at santander are helpful…
All the team at santander are helpful and understanding. ( I dont want to give names without consent ), They have been a few members of staff at santander who have been really good and helpful.
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tom littler
5 months ago
Well i was duped by a scam Mountain…
Well i was duped by a scam Mountain Wharehouse site so let the real saga begin day 1 - 2.5 hours making call to fraud or customer service , got to speak to a person who transfered me to another que, tryed the online report service wouldnt accept images in several formats total time wasted 4hrs in total, day 2 followed web site advice printed everything off took it my local branch only to be told nothing they can do they have same number i had, back to the phone again , got an answer within 15 mins then put on hold until i gave up as my life was passing away total time NOT TO RESOLVE AN ISSUE 5HRS 45MINS IM GOING TO LET THE SCAMMERS KEEP MY MONEY AND TRANSFERED MY SAVINGS TO A PROPER BANK
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clive churchward
5 months ago
Held online for 45 minute trying to get…
Held online for 45 minute trying to get a bank statement. I closed the account because the bank seems out of date and I got better interest rates from another bank
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j billington
5 months ago
worst bank anywhere in the world no question
worst bank anywhere in the world . they were rubbish 12 years ago and they are still rubbish today . moved to them for the switch incentive wish i had not it takes 3 months to get it meanwhile your stuck with their appalling service . first time i tried to make a payment online to and existing payee it locked me out of the internet bank and gave me a number to ring 30 minutes later unhelpful women said i had to go to my nearest branch with id to get it sorted . thats 30 minutes away and only open 9.30 till 3pm plus having to pay to park when im normally at work . rung complaints asked for help was told someone would get back as a matter of urgency no one did . WHY WOULD YOU EVER BANK WITH THESE MONKEYS THEY ARE NOT A PROPER BANK .IF YOU CAN WAIT 3MONTHS TO GET THE SWITCH MONEY THEN MOVE TO ANOTHER BANK ASAP
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djc
5 months ago
Abusing customer trust!
So I paid an overdue debt on my brothers behalf, in the process I was screwd out of €200, plus some medical insurance IN MY NAME added to MY account. Never again will I trust this bank, they're crooks and expect us to fix their mistakes, I've just been on the phone for 2 days and didn't get to speak to ANYONE, just some crappy message asking you wait "Just a little longer". Don't waste your time supporting Santander!
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pat leatherland
5 months ago
Worst customer service ever
Worst customer service ever. I would actually be embarrassed working for this company!!
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t b
5 months ago
Stay away from these crooks
Stay away from these crooks . They like to repo cars and tell you to screw . Never gives these crooks your business
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shanliss hughes
5 months ago
Worst Bank
Worst bank for a lot shot. My 82 year old mother was moving money out of Santander to another account to get better rewards and they blocked the account and credit and debit cards. As she has to wait to get someone to bring her in I had to pay various things for her. Rang them and was told she would have to come into branch. My mother told them she was 82, did not drive and has mobility issues and would find it hard to come into branch still they told her she would have to come into branch with ID. She has banked with Santander for years. They do not care.