Flip the switch.

Give your money a fresh start.

Get £200 when you switch to an eligible current account using the Current Account Switch Service.

Switch your account

 

Within 60 days, complete the full switch, set up 2 Household Direct Debits and pay in £1,500. Sorry we can't offer this if you held a current account with Santander on 1 January 2025 or if you've previously received a Santander switcher incentive. Offer may be withdrawn at any time. T&Cs apply.

 

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‘Your Mortgage’ Best Online Mortgage Lender 2025 - 2026

Whether it’s your first home, a new move, or remortgaging to us, you can count on us to get things sorted.
Why not get the ball rolling today?

You may lose your home if you don't keep up with your mortgage payments. Applications are subject to status and lending policy.

Start my decision in principle

Juggling credit cards can be messy. Transferring the balance to us isn’t.

With our balance transfer credit cards, you could save by moving balances you’ve got on credit cards elsewhere.

24.9% to 29.8% APR representative (variable) depending on the credit card. Fees may apply. Credit is subject to status.

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Sip, snack, save!

Get a £5 e-voucher when you get a quote for home insurance to spend at Costa Coffee, Starbucks, Deliveroo or Just Eat. 
Cover provided by Aviva. T&Cs apply​. Offer can be withdrawn at any  time.

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Support for Personal customers

Simplify your finances

Credit card, store card or loan balance elsewhere?  We have loans from £1,000 to £25,000. Find out if you're eligible using our checker in as little as 5 minutes.  Credit subject to status.

Planning your next holiday?

As a Santander customer you can get 30% off travel insurance when you apply online. Leaving you with more money to spend on some of those holiday treats.
Arranged, administered and underwritten by Chubb European Group SE (CEG).

Help when you need it

We're here if you need tips on budgeting, have missed a payment or are struggling to keep up.

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Find out how you can access cash in your local area

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Independent service quality survey results

Personal current accounts (GB)

Published August 2025

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Take a look at the latest published results

Overall service quality scores from customers in Great Britain who were asked how likely they'd be to recommend their personal current account provider to friends & family. Rankings: 1. Monzo, 82%; 2 = Chase, 78%; 2 =. Starling Bank, 78%; 4. first direct, 75%; 5. Nationwide, 70%; 11. Santander, 58%

Personal current accounts (NI)

Published August 2025

As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 12 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Take a look at the latest published results

Overall service quality scores from customers in Northern Ireland who were asked how likely they'd be to recommend their personal current account provider to friends & family. Rankings: 1 Monzo, 81%; 2 Nationwide, 78%; 3 Starling Bank, 76%; 4 Chase, 71%; 5 HSBC UK, 66%; 7 Santander, 63%;

Authorised push payment (APP) scams rankings in 2023 

 

Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account.

These charts use data given to the Payment Systems Regulator by major banking groups in the UK in 2023.

You can read the full report by visiting www.psr.org.uk/app-fraud-data

Share of APP scams refunded 

This is the proportion of total APP fraud losses that were reimbursed, ranked out of 14 firms.

 

Share of APP scams refunded. This is the proportion of total APP fraud losses that were reimbursed, ranked out of 14 firms. Rankings: 1 TSB, 88%; 2: Nationwide, 87%; 3: HSBC/First Direct, 76%; 4: Natwest/Royal Bank of Scotland/Ulster Bank, 76%; 5: Santander, 73%. That’s a 15% increase since 2022. Ranking higher is better.

 

 

APP scams received per £million transactions: smaller UK banks and payment firms

This is the amount of money received into the scammer’s account from the victim, ranked out of all UK banks and payment firms. For example, for every £1 million received into consumer accounts at Skrill, £18,550 of it was APP scams.

 

APP scams received per £million transactions: smaller UK banks and payment firms.This is the amount of money received into the scammer’s account from the victim, ranked out of all UK banks and payment firms. For example, for every £1 million received into consumer accounts at Skrill, £18,550 of it was APP scams. Rankings: 1 Skrill, £18,550; 2: Zempler Bank, £4,523; 3: PayrNet, £2814; 4: PPS, £2512; 5: Modulr, £1210. Ranking higher is worse.

 

APP scams sent per £million transactions

This is the amount of money sent from the victim’s account to the scammer, ranked out of 14 firms. For example, for every £1 million of Santander transactions sent in 2023, £162 was lost to APP scams.

APP scams sent per £million transactions. This is the amount of money sent from the victim’s account to the scammer, ranked out of 14 firms. For example, for every £1 million of Santander transactions sent in 2023, £162 was lost to APP scams. Rankings: 1 Metro Bank, £266; 2: TSB, £266; 3: Lloyds/Bank of Scotland/Halifax, £228; 4: Nationwide, £219; 6: Santander, £162. That’s a 50% decrease since 2022. Ranking higher is worse.

 

 

APP scams received per £million transactions: major UK banks and building societies

This is the amount of money received into the scammer’s account from the victim, ranked out of all UK banks and payment firms. For example, for every £1 million received into consumer accounts at Santander, £41 of it was APP scams.

 

APP scams received per £million transactions: major UK banks and building societies. This is the amount of money received into the scammer’s account from the victim, ranked out of all UK banks and payment firms. For example, for every £1 million received into consumer accounts at Santander, £41 of it was APP scams. Rankings: 9 TSB, £408; 10: Metro Bank, £319; 12: Virgin Money/Clydesdale Bank, £285; 13: Starling Bank, £239; 20: Santander, £41. That’s a 7% decrease since 2022. Ranking higher is worse.