Also known as: Santander; Santander UK
Santander UK plc is the UK subsidiary of Banco Santander, one of the largest banking groups in Europe with its headquarters in Spain. In the UK, Santander is a major high street bank serving millions of personal and business customers.
The bank offers current accounts, savings accounts, mortgages, and personal loans. It is particularly well known for its 1|2|3 current account, which pays cashback on certain household bills, and its range of fixed-rate and easy-access savings accounts. Credit cards are also available.
Santander operates a branch network across the UK, though it has reduced the number of branches in recent years. Online banking and the Santander mobile app allow customers to manage their money, make payments, and apply for products. Telephone banking is available for customers who prefer not to use digital channels.
If you have an account or product with Santander and need to contact them, you can find their customer service numbers on their website. Their registered address is 2 Triton Square, Regent's Place, London, NW1 3AN. Santander UK plc is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 per person under the Financial Services Compensation Scheme.
If you are finding it difficult to manage a Santander loan, mortgage, or credit card, you should speak to the bank directly as early as possible. They have a financial difficulties team. Free debt advice is also available from StepChange and Citizens Advice at no cost to you.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Santander UK plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal current accounts; savings accounts; mortgages; personal loans; credit cards; business banking; corporate banking
Trading names and group notes
Parent: Santander UK Group Holdings plc (08700698). Ultimate parent: Banco Santander S.A. (Spain). TSB acquisition completed 30 April 2026 following PRA approval (19 March 2026) and ECB approval (14 April 2026). TSB Bank plc (SC095237) now wholly owned subsidiary. Part VII transfer of TSB business into Santander UK plc expected H1 2027.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
1.9
10000 reviews
App Store
4.6
Google Play
4.4
Other review sources
Which? Customer Score: 50%; Smart Money People: 3.5/5; FSCS protected deposits up to £85,000; TSB acquisition press coverage confirms combined ~28m customers
Overall public sentiment
Poor on Trustpilot (1.9/5). Negative reviews cite account closures, mortgage servicing issues, and customer service delays. App store ratings considerably higher. Post-TSB acquisition sentiment monitoring ongoing.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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