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Lender DetailsSantander UK plc
Bank

Santander UK plc

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

Company typeBank
Trading namesSantander; Santander UK
FCA Firm Ref (FRN)106054
FCA statusAuthorised — PRA-regulated
Companies House no.02294747
Company statusActive — Completed acquisition of TSB Banking Group plc on 30 April 2026 (£2.65bn all-cash). TSB Bank plc now a wholly owned subsidiary pending Part VII integration into Santander UK plc (expected H1 2027).
Parent companySantander UK Group Holdings plc (08700698); ultimate parent Banco Santander S.A. (Spain)
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for Santander UK plc

Current account query
Credit card issue
Loan repayment
Mortgage concern
Savings question
Account access problem
Suspected scam or clone firm
Making a complaint

Before you contact Santander UK plc

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?What is my current balance and how is interest calculated?
  • ?What are my repayment options?
  • ?Can I have a full statement of account?
  • ?What happens if I miss a payment?
  • ?How do I make a formal complaint?
  • ?Has my account been passed to or sold to a third party?
  • ?Are there any payment support or breathing space options available?

Contact details

Phone0800 389 7000
EmailNot verified
Registered address2 Triton Square, Regent's Place, London, NW1 3AN

Always use contact details from Santander UK plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number106054
FCA statusAuthorised — PRA-regulated. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Companies House number02294747
Company statusActive — Completed acquisition of TSB Banking Group plc on 30 April 2026 (£2.65bn all-cash). TSB Bank plc now a wholly owned subsidiary pending Part VII integration into Santander UK plc (expected H1 2027).
Parent companySantander UK Group Holdings plc (08700698); ultimate parent Banco Santander S.A. (Spain)

Useful official links

What they do

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.

Reviews and public sentiment

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.

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Common questions about Santander UK plc

Is Santander UK plc FCA authorised?+
Verify on the FCA Register at register.fca.org.uk. The Ask Fin directory includes FCA Firm Reference Numbers (FRNs) where available. Always check official sources before relying on this information.
What products does Santander UK plc offer?+
The Ask Fin listing for Santander UK plc summarises their main products. For the most up-to-date and complete information, visit Santander UK plc's official website.
How do I contact Santander UK plc?+
Contact details including phone numbers, email and registered address are included on this page where verified. Always use contact details from the company's official website or the FCA Register.
How do I make a complaint to Santander UK plc?+
Start with Santander UK plc's formal complaints process. If unresolved within eight weeks, or if you receive a final response you disagree with, you may be able to refer the complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk.
What should I do if I cannot afford repayments to Santander UK plc?+
Contact Santander UK plc as soon as possible to discuss your options. You may also want to get free, independent advice before contacting the lender. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Are my deposits with Santander UK plc protected?+
UK banks authorised by the PRA are generally covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 per eligible person. Verify on the FSCS website (fscs.org.uk) for the specific protection that applies to your account.
Where can I get free help if I am struggling financially?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

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