Santander are terrible! The customer service is unbelievably bad! My card was stolen yesterday and I need to dispute some payments - unfortunately there's no way to do this online. I've spent HOURS on hold (both days) and I still haven't got through to the right department. The most recent call I finally got through to someone on the main switchboard (because they don't give a direct number for the fraud/security dept??) and he put me in the queue for security, 1 hour and 35 minutes later I finally got through and they told me I was through to the wrong department (the helpdesk put me in the queue for bill fraud and i needed card fraud) so she had to put me back in the right queue. Definitely changing banks and very close to just giving up on having the payments investigated