Pay or manage an overdue amount

If you’ve missed a payment, don’t worry, we’re here to help get you back on track.

Answer a few simple questions below and we'll help you get the support you need.
 

Have you missed a payment, or exceeded your credit limit, or are you in an unarranged overdraft?

Thanks for answering our questions.

If you're worried about money, you could complete a financial health check. We’ll give you tips to improve your financial wellbeing.

If you think you may miss your next payment, you can speak to one of our financial care specialists. You can find out how on our money worries page.

Thanks for answering our questions.

If you’ve missed a payment, we’ve contacted you to tell you which account you have an overdue amount on.

If you're worried about your money, take a look at our financial health check to get a tailored review of your finances.

Or if you’d prefer to speak to someone, you can speak to one of our financial care specialists. You can find out how on our money worries page.

What account do you have an overdue amount on?

Thanks for answering our questions.

If you’re a Business Banking customer, we’ve got tailored resources that you might find useful.

If you’d like to speak to someone, please visit our money worries page.

Thanks for answering our questions.

If you’ve missed a payment, we’ve contacted you to tell you which account you have an overdue amount on.

If you're worried about your money, take a look at our financial health check to get a tailored review of your finances.

Or if you’d prefer to speak to someone, you can speak to one of our financial care specialists. You can find out how on our money worries page.

Can you make a payment?

Thanks for answering our questions.

If you know the amount you need to pay to bring your account up to date, you can use the details below to make a payment from your bank account. If you’re unsure, you can check your overdue amount in the Financial Support section of our Mobile Banking app. Or, you can chat to us online or call one of our financial care specialists. Please go to the ‘Ways to get in touch’ section on our money worries page.

Account type – personal
Name/recipient name – your name (account holder)
Sort code – your Santander account sort code (You can find this on your card, or in our Mobile Banking app)
Account number – your Santander account number
Reference – your sort code and account number (no spaces)

It’s important to know that your payment can take a few days to reach us. This means you might be charged interest and we might try to contact you to discuss your account. We share account information with credit reference agencies. Being in an unarranged overdraft will show on your credit file. This is likely to reduce your credit score. To find out more about credit scores, visit our what is a credit score page.

Thanks for answering our questions, please get in touch.

Our Financial Care Specialists can talk you through the options available. You can chat to us online or speak to us on the phone. 

Please go to the ‘Ways to get in touch’ section on our money worries page.

If you’ve got multiple debts or you’re struggling with other essentials bills, electricity or food, speak to an independent third party to get free debt advice. You can find out more information on our independent help and support page.

Can you make a payment?

Thanks for answering our questions, please contact us.

Our financial care specialists can talk you through the different options available. You can chat to us online or speak to us on the phone.

Please go to the ‘Ways to get in touch’ section on our money worries page.

If you’ve got multiple debts or you’re struggling with other essential bills like electricity or water we’d suggest that you speak to an independent third party to get free debt advice. You can find out more information on our independent help and support page.

Which type of account is it?

Thanks for answering our questions.

If you know the amount you need to pay to bring your account up to date, you can use the details below to make a payment from your bank account. If you’re unsure, you can check your overdue amount in the Financial Support section of our Mobile Banking app. Or, you can chat to us online or call one of our financial care specialists. Please go to the ‘Ways to get in touch’ section on our money worries page.

The details you need to make the payment are different depending on the type of mortgage you have. You can find your mortgage account number on any letters we’ve sent you.

If your mortgage account number starts 091586, use these details to make a payment:
Account type – personal
Name/recipient name – your name (mortgage account holder)
Sort code – 09-00-85
Account number – 20007437
Reference – last 8 digits of your mortgage account number

 
If your mortgage account number starts 0905, use these details to make a payment:
Account type – personal
Name/recipient name – your name (mortgage account holder)
Sort code – your full mortgage sort code (starting 09-05, followed by two more numbers)
Account number – your 8-digit account number 
Reference – your 8-digit mortgage account number

It’s important to know that your payment can take a few days to reach us. This means we might try to contact you to discuss any missed payments on your mortgage. We share account information with credit reference agencies. Missed payments will appear on your credit file. This is likely to reduce your credit score. To find out more about credit scores, visit our what is a credit score page.
 

Thanks for answering our questions.

If you've held an Alliance & Leicester mortgage before, your account has been moved to Santander. You'll have got a letter from us confirming your new mortgage account number. The details for you to make a payment have also changed, you can find them below.

If you know the amount you need to pay to bring your account up to date, you can use the details below to make a payment from your bank account. If you’re unsure, you can check your overdue amount in the Financial Support section of our Mobile Banking app. Or, you can chat to us online or call one of our financial care specialists. Please go to the ‘Ways to get in touch’ section on our money worries page.

Account type – personal
Name/recipient name – your name (mortgage account holder)
Sort code – 09-00-85
Account number – 20007437
Reference – last 8 digits of your mortgage account number

It’s important to know that your payment can take a few days to reach us. This means we might try to contact you to discuss any missed payments on your mortgage. We share account information with credit reference agencies. Missed payments will appear on your credit file. This is likely to reduce your credit score. To find out more about credit scores, visit our what is a credit score page.

Can you make a payment?

Thanks for answering our questions, please contact us.

Our financial care specialists can talk you through the different options available. You can chat to us online or speak to us on the phone.

Please go to the ‘Ways to get in touch’ section on our money worries page.

If you’ve got multiple debts or you’re struggling with other essential bills like electricity or water we’d suggest that you speak to an independent third party to get free debt advice. You can find out more information on our independent help and support page.

Which type of account is it?

Thanks for answering our questions.

If you know the amount you need to pay to bring your account up to date, you can use the details below to make a payment from your bank account. If you’re unsure, you can chat to us online or call one of our financial care specialists. Please go to the ‘Ways to get in touch’ section on our money worries page.

Account type – personal 
Name/recipient name – your name (account holder)
Sort code – 09-00-99
Account number – 0100 0007
Reference – your 16-digit card number (you can find this on your credit card)

It’s important to know that your payment can take a few days to reach your account. While your account has an overdue amount you won’t be able to use your card. You might be charged for a late payment or going over your credit limit. We might try to contact you to discuss your account. We share account information with credit reference agencies. Missed payments or going over your credit limit will appear on your credit file. This is likely to reduce your credit score. To find out more about credit scores, visit our what is a credit score page.

Thanks for answering our questions.

If you know the amount you need to pay to bring your account up to date, you can use the details below to make a payment from your bank account. If you’re unsure, you can check your overdue amount in the Financial Support section of our Mobile Banking app. Or, you can chat to us online or call one of our financial care specialists. Please go to the ‘Ways to get in touch’ section on our money worries page.

Account type – personal
Name/recipient name – your name (account holder)
Sort code – 09-06-41
Account number – 00000000
Reference – your 16-digit card number (you can find this on your credit card)

It’s important to know that your payment can take a few days to reach your account. While your account has an overdue amount you won’t be able to use your card. You might be charged for a late payment or going over your credit limit. We might try to contact you to discuss your account. We share account information with credit reference agencies. Missed payments or going over your credit limit will appear on your credit file. This is likely to reduce your credit score. To find out more about credit scores, visit our what is a credit score page.

Can you make a payment?

Thanks for answering our questions.

If you know the amount you need to pay to bring your account up to date, you can use the details below to make a payment from your bank account. If you’re unsure, you can check your overdue amount in the Financial Support section of our Mobile Banking app. Or, you can chat to us online or call one of our financial care specialists. Please go to the ‘Ways to get in touch’ section on our money worries page.

Account type – personal
Name/recipient name – your name (account holder)
Sort code – your loan sort code (starting 09-03, you can find this on any letters we’ve sent you)
Account number – your 8-digit account number
Reference – your sort code and account number (no spaces)

It’s important to know that your payment can take a few days to reach us. This means we might try to contact you to discuss your account. We share account information with credit reference agencies. Missed payments will appear on your credit file. This is likely to reduce your credit score. To find out more about credit scores, visit our what is a credit score page.

Thanks for answering our questions, please contact us.

Our financial care specialists can talk you through the different options available. You can chat to us online or speak to us on the phone.

Please go to the ‘Ways to get in touch’ section on our money worries page.

If you’ve got multiple debts or you’re struggling with other essential bills like electricity or water we’d suggest that you speak to an independent third party to get free debt advice. You can find out more information on our independent help and support page.

¨¨

Your journey with the Financial Support team

Step 1:

Speak to us as early as you can. Speaking to us won’t impact your credit file. We know this can be difficult, but we're here to help. We offer support specific to you. We share account information with credit reference agencies. Entering an unarranged overdraft, missing payments or going over your credit limit will appear on your credit file. This is likely to reduce your credit score.

Step 2:

Be open and honest when speaking to us. We know some customers have medical or personal situations impacting their ability to manage their finances. We may ask a lot of questions to understand your situation. This might include asking you to fill out a budget planner, because we need to be sure that any outcome we agree is right for you.

Step 3:

We’ll talk you through the options available based on our conversation. These options might include:

  • A repayment plan to reduce what you owe over a few months
  • 30 days breathing space to take free independent advice 

We tailor these options to you once we’ve completed a budget planner.
If we agree an arrangement, we’ll update your account to show it. We’ll share this with credit reference agencies, and it will likely reduce your credit score. It’ll also show lenders that you’re trying to pay back the amount. To find out more, visit our what is a credit score page.

Our customer Kirsty spoke to the financial support team and described her experience below

I went to university, my friends would agree that we all were sort of having to use your overdraft. 

Whilst trying to keep up with rent and bills, my hours were cut for my job and a change in my income was quite detrimental. 

So moving out of London and back in with my parents was the obvious step and allowed me to focus on sorting out some of the debts. 

After that first conversation with Santander, it did feel like a massive weight off your shoulders. 

So having the live chat option was really helpful, made me feel way more comfortable. 

The person on the other end of the chat was warm, and that kind of human aspect really helped.

Once I did the budget planner, we agreed like an affordable repayment plan with me based on my affordability at the time, it was really easy. 

I sent it back the next day, and within an hour or so the payment plan was set up. 

It was a relief to know that I could get things sorted out and see that change so quickly, made me realise people genuinely want to help you. 

And my experience with Santander kind of gave me the confidence to go ahead and tackle some of the other companies as well. 

Financial situation now is a lot more comfortable.

I'm not missing payments, I was able to move out again and build a bit of a safety net. 

I got married a few months ago as well, got a dog now. 

There's so much more I feel like I can do now that my financial situation is back on track.

Need to talk?

We’re here to support you and can help get you back on track
 

Independent help & support

Speak to one of our partners to see if they can give you a helping hand

Financial health check

Our free tool gives you personalised tips to improve your financial health

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