Santander Reviews 9,267

TrustScore 1.5 out of 5

1.5

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Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. Many people were dissatisfied with the customer service, finding it unhelpful and difficult to reach a real person. Customers also frequently report problems with payments, including issues with online banking, declined transactions, and difficulties withdrawing funds. The overall service is often described as appalling, with many experiencing long wait times and unresolved issues. Some people were dissatisfied with the staff, describing them as rude or unknowledgeable regarding regulations. Additionally, some customers found it challenging to make contact with the company, experiencing cut-off calls and slow responses from chat lines. However, some reviewers also reported positive interactions with staff members, describing them as patient, kind, and professional in resolving issues.

What people talk about most

Customer service

Customers had negative experiences with customer service. Many reviewers report extremely long wait times,... See more

Payment

People report negative experiences with payment. Customers frequently encounter issues such as declined... See more

Service

Clients share negative opinions on service, with many describing it as "appalling" and "extremely... See more

Staff

Reviewers highlight ambiguous aspects of staff. Many customers report negative experiences, citing issues... See more

Customer communications

Reviewers mention negative feedback about contact. Customers report extremely long waiting times, with some... See more

Based on these reviews

Rated 2 out of 5 stars

Santander is terrible. I've had business accounts with them for years, but finally had enough. After like 10 years, I still cannot download my accounts into an Excel sheet that is not corrupted.... See more

Rated 1 out of 5 stars

It is great to see Santander being keen to stop us being victim to fraud but when it takes 3+ hours on the phone/chat to get through to someone who will clear a transaction it is just too much. First... See more

Rated 1 out of 5 stars

The waiting time is just silly. One cashier desk open whislt you've got 5 staff pottering around on the floor. Women working the queue was rude, short and confrontational to customers. Staff... See more

Rated 1 out of 5 stars

I do not use online or mobile banking and occasionally use telephone banking which has worked well for me. In the recent couple of weeks after voice recognition I am told I will be put through to some... See more


Company details

  1. Insurance Agency
  2. Bank
  3. Investment Service
  4. Mortgage Broker

Information provided by various external sources

Welcome to Santander. Abbey and the Bradford & Bingley savings business have now changed their name. Banking, Savings, Loans and Mortgages. Find out more.


Contact info

1.5

Bad

TrustScore 1.5 out of 5

9K reviews

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Hasn’t replied to negative reviews

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Rated 1 out of 5 stars

Carlos terrible service on Facebook

Contacted on social media, Facebook to be exact, still not sure if person or bot since I got no signs of a real human so far.

I asked to get my account shut down after the bank refused to give me any way to use my account on the use the edge one

On Facebook contacted and hoped to get some sense or support, but failed in both areas

17 April 2026
Unprompted review
Rated 1 out of 5 stars

Why does this company not have an email…

Why does this company not have an email address?
Trying to talk to a useless bot gets you nowhere.
I prefer to have all communications in writing, and the only way you can contact them is via snail mail, plus there is the cost of postage. Santander, get this sorted and add a contact email to your contact us page.

7 April 2026
Unprompted review
Santander logo

Reply from Santander

Thanks for the review James. For your security we avoid handling customer queries by email. Instead, please connect with us anytime through the 24/7 live chat in our mobile banking app or online banking.

Rated 1 out of 5 stars

Not interested in taking an ISA deposit

I have tried to open a fixed term ISA. However, I have not received any instructions on how to actually make an investment.

I have tried to ring them but to no avail. Each time I'm on hold for 20+ minutes before being cut off.

I didn't realise that their on line process for opening an account should be so complex. The lack of information is very frustrating.

It's as if they don't actually want my investment.

I think I shall go elsewhere and accept a lower rate of interest.

10 April 2026
Unprompted review
Santander logo

Reply from Santander

Thanks for reaching out, Richard, and I’m sorry for the long wait time. We know this isn't the experience you expect, and we're sorry to start things off this way. Our team is working hard to handle higher demand. Alternatively, our live chat team is available 24/7 for support with your Fixed Rate ISA. Available through the mobile banking app or online banking service.

Rated 5 out of 5 stars

Thank you Aaron

I visited the Santander branch in Hammersmith today to open an ISA account. The branch was busy, clean, and well-maintained.

Aaron Price assisted me with the account setup and provided information about other offers available at the bank that I am considering.

Aaron was extremely knowledgeable, efficient, and friendly. I left feeling valued and pleased to have a competitive account with Santander. I will recommend this bank to my family and friends.

Thank you, Aaron, for being an asset to this branch.

16 April 2026
Unprompted review
Rated 1 out of 5 stars

I asked for 25pounds so I could get me…

I asked for 25pounds so I could get me and my dog home on last train. They say overdraft is 50. I don't want 50 I only need 25. They wouldn't give me it. They see I was getting paid tommmorr aswel 400pounds in account so would get it straight bk. So I sleep on bench tnite with my dog.

16 April 2026
Unprompted review
Rated 5 out of 5 stars

Visited Santander Leigh ,Gtr Manchester…

Visited Santander Leigh ,Gtr Manchester branch yesterday, even though they were mad busy the staff were very helpful especially Fiona who worked through her lunch break to help us .She was very knowledgeable and pleasant and confirmed we had made the right choice of bank Thanks

15 April 2026
Unprompted review
Rated 1 out of 5 stars

Santander has such poor customer…

Santander has such poor customer service. I wouldn’t encourage anyone to get one of their credit cards as they offer no protection when a service is not delivered and you still get charged. Really unhelpful as well.

16 April 2026
Unprompted review
Rated 5 out of 5 stars

Worksop Branch…

If I could give Wendy at the Worksop Branch more than 5 stars, I would happily do it. Wendy was very helpful in my transfer transaction today, she explained everything as she dealt with my transaction. Thank you.

15 April 2026
Unprompted review
Rated 1 out of 5 stars

Cannot give less than 1 star.

Cannot give less than 1 star.

Trying to report a scam credit card in my name, no fast lane for fraud reporting, kept in normal queue, still waiting 30+ minutes

I have no accounts with them so very easily to setup a account, avoid if you have any sense.

Clearly have no respect for potential customers, will never open an account with them in my life now.

15 April 2026
Unprompted review
Rated 1 out of 5 stars

Trying to find out accurate information about crdit cards against a credit card account

Trying to find out how many active credit accounts were on my account I logged into my account on the web to see the active cards. They had 2 cards listed as additional active cards and one card as inactive from 01-01-2001. Has I ddi not regonise any of these I phoned up to check. Turns out the active cards were inactive and the inactive card was only issued in March 2026 and was waiting to be made active. I pointed out that it was poor that the information on the web site was incorrect but was told that this is the way it works and that I should use the app. I therefore, whilst still on the phone, started the app up only to find out that I could not find out via the app what additional cards are registered against this account. Very poor service, not from the poor operator but from the back ground boffins who do not test the systems they create very well.
Also why can I has the main credit card holder not control the additional cards registered against the account, afterall I am responsible for the spend?
Crazy system and not for the first time with Santander. Been with them since 1969 in one form or another but seriously questioning the wisdom of staying with them or indeed holding on to the shares they allotted me many years ago.
Come on Santander get your act together.

15 April 2026
Unprompted review
Rated 1 out of 5 stars

DO NOT OPEN AN ACCOUNT WITH THIS BANK

DO NOT OPEN AN ACCOUNT WITH THIS BANK. they will restrict your account if you don't tell them what you earn, send your P60 and wages details, even though your not applying for loans or finance. I'm taking this to my MP, papers and social media. They've left me with no access to money, with a disabled child in holiday, with no access to food or hotels. We are having to sleep in our car. Disgusting and absolutely in breach of human rights.

14 April 2026
Unprompted review
Rated 2 out of 5 stars

ANTIQUATED - VERY UNHAPPY CUSTOMER

ANTIQUATED - THEY NEED TO CATCH UP! Their Boosts offer is a JOKE! It's on a separate platform so you leave their app; when I made a purchase via the link it all went through perfectly however, I've never recieved the cashback. Chat is DREADFUL and they really don't know what they're talking about. I wasted SO much time!!! I'm a new customer and I won't be a customer for much longer! Regret moving away from my online bank - M**** - as that really is slick and their customer service knocks this lot out of the park! UNBELIEVABLE how bad and far behind techonologically Santander is.

14 April 2026
Unprompted review
Rated 1 out of 5 stars

Worst bank EVER

Worst bank EVER. They discriminate against the Disabled and don't let us take ANY financial product. I have been refused CCs and Loans PURELY because I am disabled and this bank hates us.

Also notice how they ONLY respond to 5 star reviews. Definitely the worst bank

15 April 2026
Unprompted review
Rated 1 out of 5 stars

There complaints team just dont…

There complaints team just dont actually care. Appalling customer service strategy no wonder 100s of people are leaving this bank. Maybe it's not the basic staff that are the problem but it's certainly the management structure of this company that needs changing.

14 April 2026
Unprompted review
Rated 1 out of 5 stars

I opened my second santander account in good faith……

I opened my second santander account in december 2025 and qualified for the £100 amazon voucher which santander arrange via voucher sent.

They keep saying this is nothing to do with them and i am tired of ringing them.
I cant get anywhere with them nor with vouchersent.
Santader have agreed to send me a complaints form
Financial ombudsman?
Martin lewis advised via email and now i’m going to email others as anyone using santander or vouchersent needs to be aware.
As the offer was with santander surely they are the responsible party - which of course they deny.

8 December 2025
Unprompted review
Rated 1 out of 5 stars

THE WORST DESIGNED WEBSITE

opening a new ISA is absolutly horrendous. we can send people to the moon but sandander , a top bank (allegedly) cant sort its website to open a ISA. strange that other banks like Revolut, Monzo etc can be done with a few clicks rather than an hour talking to a Santander agent who seems clueless about both finance and how santander works.

14 April 2026
Unprompted review
Rated 1 out of 5 stars

Attempted to pay a cheque in at the…

Attempted to pay a cheque in at the Oxford Carfax branch which has recently been refurbished into a cafe and meeting rooms with a bank as an afterthought. ATM didn’t recognise the amount on the cheque so had a queue to see one of 2 receptionists who then booked me in for an appointment with a member of counter staff - had to then go up to the 1st floor which looked like a cafe and meeting room area with no counter in sight. The had to sit and wait for someone (only appears to be one member of counter staff actually working) to appear out of a room to attend to me. As a process improvement consultant I am clear that this new ‘process’ is not an improvement as I have now been sitting for 10mins and counting with no idea when I will be seen to deal with a very simple matter. Seems I am in a queue with people who are undertaking more complex transactions eg taking out savings products which is very inefficient. Under the previous process there would have been a counter at ground floor level with a number of staff available and people with more complex needs would be triaged off to allow those with simple and quick needs to be addressed. Santander has clearly lost the plot and forgotten what its core business is ie banking services and not cafe and meeting room services. Extremely ticked off at this very poor ‘customer service’ - what about people on their lunch hours or who are time constrained - not everyone wants a cafe style experience in their bank! Update: after 30 mins of waiting I eventually saw the one member of counter staff actually serving customers and paid my cheque in. I expect efficient customer service from my bank not a protracted unsolicited customer ‘experience’. Every change is not necessarily an improvement and this cafe/workspace change is certainly not an improvement!

14 April 2026
Unprompted review
Rated 1 out of 5 stars

Welwyn Garden City Branch Closure

I am very unhappy with Santander UK. They are closing my local branch in Welwyn Garden City which is extremely frustrating. The nearest branches are now miles away in places like St Albans and Barnet, which is not convenient at all.

While I don’t use the branch very often, that is not the point. When I do need it, I expect it to be local and accessible. Replacing it with some vague “Santander Local” service is not the same thing and does not give me confidence.

It feels like customers are being pushed aside and expected to just rely on online banking, which doesn’t work for everyone all the time. Access to a proper branch still matters.

Overall this is very disappointing and poor service. Because of this decision I will now have to seriously consider finding a new bank.

14 April 2026
Unprompted review
Rated 1 out of 5 stars

Trying to commincate via customer…

Trying to commincate via customer services is an absolute joke. 45 mins on the phone trying to get my piont across with little joy. Questions could not be answered and the supervisor refused to talk to me. The person i spkoe to didnt know the supervisors name! I will be changing my bank as i cannot put myself through this experience ever again

13 April 2026
Unprompted review
Rated 1 out of 5 stars

Got blocked

Got blocked. Out of online connection after trying to make a payment, waited nearly an hour for someone to answer phone. Obviously need more staff.

13 April 2026
Unprompted review

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