Omg if you value your peace of mind your confidence in a bank and your money then please stay away from Santander. Staff have no training they have no idea how to "investigate" even the smallest question not to mention the "higher" staff ! I wish I knew what they did but all enquiries have failed. The details of their banks addresses and phone numbers are outdated and no effort has been made to update them. No consideration for their customer care no respect no thought to your welfare and they're "one of them" who are always right that is the mindset of Santander unfortunately. They take no responsibility for issues that go wrong it's your fault never ever theirs and that is the crux of the many problems customers experience. I truly believe they will have to close their offices here in UK customers are beginning to wise up to them thank god. Stay away....