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Santander Reviews

1.3 Rating 571 Reviews
8 %
of reviewers recommend Santander

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Santander 2 star review on 12th April 2025
Luis
Santander 1 star review on 10th April 2025
Dalot Pete
Santander 1 star review on 24th March 2025
Christina
Santander 1 star review on 24th March 2025
Christina
Santander 1 star review on 4th December 2024
Verified Buyer
Santander 1 star review on 25th August 2024
Mike
Santander 1 star review on 25th August 2024
Mike
3
Anonymous
Anonymous  // 01/01/2019
Awful Awful Awful. Locked out of account with no warning in the height of Covid 19.Horrible bank.
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Posted 5 years ago
Its ok for Boris to say you will you get 3 months mortgage payment freeze, HOW? if Santander don't answer there phones, at least say on your recorded messages where we are in the queue, i was on hold from 0800 - 1700 yesterday and no one answered, i am now doing the same. I have no work so i have time to do it. I know most people are in the same boat. Should i just stop the mortgage payment going out from my bank? I'm worried it will impact my near perfect credit score.
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Posted 5 years ago
Continual bad experience as a business customer. Frequent locking of account and inability to make payments, wasted hours spent on phone trying to resolve issues with a Customer Service team that are totally incompetent. Avoid at all costs and look elsewhere which is what we will be doing,
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Posted 5 years ago
WARNING!!! WARNING!!! WARNING!!! This small print on Santander Consumer Finance (car finance) terms & conditions section 4.4 states no one else can drive the car unless there on the finance agreement, BE VERY CAREFUL PEOPLE AS THEY WILL PUT A DEFAULT ON YOUR NAME AND ONLY WAY GETTING OUT OF IT IS YOU HAVE TO CLEAR THE FULL SETTLEMENT FIGURE, THERE IS ALSO SOMEONE ELSE HAD THE SAME ISSUE AND COMMENTS ON HERE DATED 9TH OCTOBER WRITTEN BY AMELIA. DONT FINANCE WITH SANTANDER EVEN THOUGH MAYBE A BIG NAME AVOID AT ALL COSTS FOR YOU OWN BENEFIT
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Posted 5 years ago
WARNING!!! WARNING!!! WARNING!!! This small print on Santander Consumer Finance (car finance) terms & conditions section 4.4 states no one else can drive the car unless there on the finance agreement, BE VERY CAREFUL PEOPLE AS THEY WILL PUT A DEFAULT ON YOUR NAME AND ONLY WAY GETTING OUT OF IT IS YOU HAVE TO CLEAR THE FULL SETTLEMENT FIGURE, THERE IS ALSO SOMEONE ELSE HAD THE SAME ISSUE AND COMMENTS ON HERE DATED 9TH OCTOBER WRITTEN BY AMELIA. DONT FINANCE WITH SANTANDER EVEN THOUGH MAYBE A BIG NAME AVOID AT ALL COSTS FOR YOU OWN BENEFIT
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Posted 5 years ago
Locked out of account with no warning and told the only way to rectify is to call them. Called them but they wouldn’t talk to me as they told me my date of birth was not the same as that on my account. Absolutely mystifying considering I supplied a passport etc to open the account and I know the date I was born. This raises major concerns around whether they are complying with their anti money-laundering obligations as if they are not checking the detail of the ID’s provided when opening accounts then how are they verifying and transcribing the personal data contained therein? Where has the incorrect DOB come from? How was this verified by the bank’s internal processes and why has it not been simply checked and rectified against the existing data they already hold? What else have they got wrong and what could be the consequences? If they can’t get a DOB correct from simple documentation provided in support of opening an account, what on Earth are they capable of getting wrong? And not only this, but their shoddy internal practices do nothing to audit, verify or check they have appropriately complied with their legal obligations in transcribing/verifying the information provided. This is somehow left to the customer to do as a “third party that has failed security” by giving the correct information which they are unwilling to verify against their info. Had me questioning my sanity then their customer service constantly slopey shouldered me to various other departments (on hold for over an hour). Was told that they would not speak to me about anything (account, SAR, making a complaint, rectifying the issue with appropriate ID (passport I had to hand)) and that I should take time off to go to a branch to try and resolve it there. I have huge concerns over my personal data and how it is handled at Santander. The accuracy of the data is obviously incorrect and I have contacted the Financial Ombudsman and the ICO about the issue. Santander said that I was asking questions a fraudster would though I didn’t request absolutely any account information (I provided them all that on the phone (Including personal ID numbers, security numbers, pins) but again to no avail). I queried where I had agreed that a DOB (incorrect or otherwise on their system) was to be used as an access authorization given all of the other information I had to hand. I cannot understand how the DOB can possibly differ from the documentation I originally provided in setting up the account or why that data couldn’t be checked. They refused to check the account info against the ID used to set up the account for reasons unknown. Also refused to provide names of who I was speaking to or to take what I was saying seriously. I was only told that if I was locked out of the account (which I have never withdrawn from so it holds a very large sum of money) then I had either: > Entered the pin / passcode incorrectly three times (I have never used a passcode and only use a fingerprint for the app); or > A very large sum of money had been withdrawn from the account. .. I cannot ensure that there has been no fraudulent activity on the account because I have no way of accessing it but they have strongly suggested that my life savings may be gone. Makes for a fun day off work tomorrow trying to sort out their absolutely abysmal mistakes. They also said that it was unlikely that the branch will be able to resolve this kind of issue tomorrow! This is in a large ISA and this kind of ineptitude could potentially cost you a house! Totally dreadful. I cannot understand how banks can legally lock you out of your account without any form of communication (even a letter to the account holder or an email explaining that a password reset or similar is required). Instead I’m in the situation where I don’t know if I have lost all the money I own and I have had absolutely no help from Santander. Once resolved I will be closing this account. BEWARE.
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Posted 5 years ago
Bank Lost correspondence! Santander lost their own important correspondence relating to permission to rent out my home whilst I am sailing around the world. Their FAILURE means i have to pay their additional fee (of course) and make a new 2012 application, yes going back 8 years! You cannot trust any bank santander that loses their own documentation and charges a fee for their failure!
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Posted 5 years ago
AVOID AVOID AVOID Santander online banking is the worst experience I ever had! Closed my accounts with them ! It was a big mistake. Hassles hassles and more hassles with Santander! Go somewhere else as they make problems with simple transfers or logging in ..
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Posted 5 years ago
AVOID AVOID AVOID Santander online banking is the worst experience I ever had! Closed my accounts with them ! It was a big mistake. Hassles hassles and more hassles with Santander! Go somewhere else as they make problems with simple transfers or logging in ..
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Posted 5 years ago
I was a victim of fraud on my current account. I spoke to the fraud department as soon as I noticed and they have been of absolutely no help whatsoever. I got told at one point that "we're seeing more and more fraud of this type" by one of the fraud team. Well that's wonderful, why then aren't you doing something to protect my money and close down an obvious flaw in the system. Absolutely useless and I still haven't got a penny back, 2 months on. I am reporting them to the financial ombudsman and I advise you all to never ever use this bank. I am certainly closing my accounts with them.
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Posted 5 years ago
I was a victim of fraud on my current account. I spoke to the fraud department as soon as I noticed and they have been of absolutely no help whatsoever. I got told at one point that "we're seeing more and more fraud of this type" by one of the fraud team. Well that's wonderful, why then aren't you doing something to protect my money and close down an obvious flaw in the system. Absolutely useless and I still haven't got a penny back, 2 months on. I am reporting them to the financial ombudsman and I advise you all to never ever use this bank. I am certainly closing my accounts with them.
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Posted 5 years ago
One of the worst banks I've dealt with. They charge interest on your balance without giving time to pay off!! That's just ridiculous and fraudulent.
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Posted 5 years ago
Applied for a personal loan after checking the starting APR 2.9%. Did not expect that rate but with a good income and little outgoings and a credit rating, a few points off excellent I expected a fair rate. After conducting a search they sent me an offer which I had to sign before knowing the APR, 19.9%. The search has now decreased my credit score and I am reluctant to apply with another lender. This amounts to sharp practice where after jumping though the hoops they bank on customers accepting the higher APR. Why is no onegoing after these corporate criminals
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Posted 5 years ago
There mortgage on interest only… There mortgage on interest only (beware) they will use every trick to continue to attempt to keep you on these terms. Getting information off them and a breakdown they will avoid. My interest rate had continued to increase and they have misold and taken advantage of a vulnerable position and not explained the terms of the mortgage. Having been declined two times to change my mortgage (explaining my position) I have now entered a consent to rent my property this information costs 295 and they have not given me advice I could do this instead they continue to charge me 4.9%interest. Pursuing a legal challenge and ombunusmen following their lack of ethics and integrity. They also advise your complaint can only be persued Upto 6 months following the response of their complaint which is not true! Telegraph news has reported extensively about Santander's deliberate attempt forcing borrowers most at risk of falling into arrears the most highest interest rates. Watchdog tackles 500 complaints from Santander borrowers locked on high rates!! Interesting that they have not learnt from their investigation nor have they acknowledged the ongoing investigation. You now have 501 to investigate further.
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Posted 5 years ago
You dont answer your phones...
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Posted 5 years ago
Buckle your seatbelts motherf*ckers, cause I’ve just about had it with Santandumb. My boyfriend banks with them and tried to set up online banking, no details were sent to him in the post. His account was subjected to fraud so he had to order a new card. He specifically asked for the pin to stay the same and they’ve f*cking changed it. OH and to add, he’s lost cards in the past and ordered new ones from the same bank. Turns out ALL OF THEM were active, none of them were frozen like asked. If I had the authority I’d be screaming at them down the phone to close his account immediately.
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Posted 5 years ago
Same as anonymous below. Transferred large sum to my wife, Wed last on completion got a 'transaction successful'. Wife checked account and not in her account. Went onto my account it was 'blocked' I rang and ended up with security saying I needed to go into a branch to lift, after screaming and shouting they lifted the block and told me to send it again. Went on line and did the transaction again and got 'transaction successful' again. The transfer was funds toward a motorhome that we were travelling 300 miles to view and buy (after months of looking) hotel booked etc. She checked her account, you've guessed haven't you ? yep no money. Went onto my account on line, guess what yep right again 'blocked' rang up, got security again and spoke with a manager (A Mr Pratt ☺️) He advised 1- Automatic System stopped payment on first occasion. 2- Their System flagged it and not done with any check. 3- No explanation why I was not told the money I thought I had sent was blocked without telling me. 4- He stated on the second occasion the security dept should have done the transaction, with no explanation why they didn't . 5- Given the second transfer failed I asked why, to be told it was done automatically. I asked how the hell do I do a transaction then, no answer, why wasn't I told, no answer. Just I am sorry. I lodged a complaint two days later acknowledged. Summary, account still blocked, no transfer, hotel booking lost, motorhome lost, all because of this pond life called santander. I am issuing proceedings for losses, damages etc. I am going to a branch on Monday to close the accounts. My advice stay away from these cretins, they will reek havoc cause mountainous problems and don't give a monkeys
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Posted 5 years ago
Dreadful experience over the years, recently cards blocked as we were trying to pay our builder for services. Intrusive questions asked. They asked me to visit a branch as they refused to identify me over the phone! My husband had similar experience, was trying to access his isa s and later that day his card was blocked and was asked to visit a branch for second time.....! Dreadful and very stressful experience, after over 20 years with them just want to leave as soon as possible. they treat people appallingly and do not communicate... Once card was blocked and could not pay for petrol...they are poor at communicating....yes definitely time to go for all three of us, including my child with his sizable kiddie isa.
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Posted 5 years ago
Santander recently changed the way they are showing the balance on their mobile app. It feels like santander just trying to hide the exact amount what's available on the person's account. As you can't separate your actual available amount from the "pending" transactions you simply don't know how much money you have! Very disappointed with santander and for this reason I'm willing to close my account with them.
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Posted 5 years ago
Very rude customer services in Tooting… Very rude customer services in Tooting Branch. I visited with disable old person for help. She got matured bond and will like to know about bond, They were very rude with her and say visit to other branch, Then old disable lady got identity to operate the account and documents, they Don't like if someone like to transfer money to other bank I did not like they don't have dignity with old disable person.Headquarter, Bank of England and The Treasury must take necessary action
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Posted 5 years ago
Santander is rated 1.3 based on 571 reviews