Absolutely awful bank - completely disjointed, intrusive, inefficient, and appalling quality of service: 1) they blocked my account once 2 years ago, preventing my Paypal direct debits from going through causing me bigf issues. When I called them, they said that it was PayPal's fault - after workign through it with PayPal it was clear it was nothing to do with them. It took me insisting to an agent at Santander that they were the ones blocking the account for her to finally uncover a note on the account saying they wanted additional documents from me to continue operating the account - they never sent me any communicaiton to let me know this was the case, they just blocked my account! 2) I live abroad and earn my income abroad, pay taxes abroad. And I have rarely sent money back into the UK. And certainly nothing to Santander. Yet they continuously pester me to find out what my net worth is and how much money I have in my foreign bank accounts. I understand if I send money into my UK account they need proof of funds, but this level of intrusion when I have not remitted money into Santander is beyond intrusive and not justifiable 3) I have a mortgage through them - but their departments do nto talk to each other - so if I need to update a mailing address, I need to update each department separately. When they do annual account checks - they ask me questions and for documentation on the rental income from my property and on my mortgage - even though they are the ones administering the property mortgage and have all this information. 4) I tried to make payments to buy goods from Amazon - hardly a small dodgy retailer - using my debit card. I tried both to verify the transaction by using the app and by using an OTP and after confirming them each time, Santander then rejected the transactions for no reason (there were plenty of funds int he account). I tried to resolve but in the end gave up and just used another account... They really are truly appalling with zero care for the inconvenience they cause or the lack of minimal service they provide...