I have been telephone phone banking with Santander for a number of years and I have always been more than happy with it and consider it first class. Carrying out transactions on auto is easy, if you don't find it so then there is always a knowledgeable helpful person to speak to on the other end of the 'phone. Yesterday I transferred a large amount of money to each of our eight grandchildren and choose to do it by speaking to customer service. A lovely man with an Australian/NZ accent answered and patiently and meticulously took me through the eight transactions which took some time. I couldn't have wished for better service and his manner and expertise were very reassuring. I am confident that should I have a problem with my banking help is at hand and it can soon be dealt satisfactorily. If you are like me and of a certain age and want telephone banking I can't recommend them high enough.