Santander Deals & Sales for 2016 - HotUKDeals
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Santander Deals & Discounts

37
310

Santander Zero card!! No foreign fees!

55
The credit card seems to have returned! No foreign transaction fees on purchases when made in the local currency No cash withdrawal fee anywhere in the world No monthly fee
gsk111 Avatar3w, 4d agoFound 3 weeks, 4 days ago55 Comments
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I installed revolut after someone mentioned it in this thread, but it's not allowing new accounts for now.
This has got me looking at the options again and especially prepaid cards.
The Halifax card is definately King among the credit cards simply because the Apr is so low (12.5%) so if you don't immediately pay off cash withdrawals you won't get penalised too badly.
Prepay cards have the attraction that you are shielded from currency movements but generally load the initial exchange rate by 0.5-3.0 % (see https://www.moneysupermarket.com/prepaid-cards/euros/). However there appears to be a newcomer called revolut that stands out as the loading for used or euro appears to me to be at 0% up to £5000 per month and 0.5% there after. Cash withdrawals are free up to £500 per month which is a bit low but probably ok for 1 or 2 week holidays.
Revolut is a smartphone/iPad app that can be used as a bank account in use/eur and gbp. In addition you can make bank payments in most liquid currencies. Add to that you can get a revolut (debit?) card linked off the account.
This actually appears to be a full fx platform in addition to being able to run a card off it. IE you can pay euros to a foreign bank account for no charges up to £5k per month. This is very attractive especially as small payments are normally the most expensive. It doesn't allow for receiving bank charges though. Would love to hear from anyone who has investigated this..
Charge details here. https://revolut.com/faq/gettingstarted.php?cat_id=10&faq_id_according=52&cat_name=Common%20Faqs#parentVerticalTab10
Note this is just what I have garnered so far from the website.


Edited By: stevehaley on Nov 16, 2016 18:43
dtorbelt, thanks for that.

I thought preloading still incurred an interest charge for atm withdrawels.
rally
Thanks!
What is the exact advantage of preloading?
I put all my spending money (well most of it) on to the zero card before heading overseas. Then when there I use the card to buy stuff as normal with chip and pin, but also I can go to a machine and take out money (in EUR) and attract no fees on any of that providing I stay within the limit of what I loaded in the first place.
If you don't preload and withdraw money from a cash machine, you'd need to Internet bank transfer that night, or next day, and both of them are usually write off's for me as I'm pickled :)
Thanks!

What is the exact advantage of preloading?
86

Santander 1-2-3 Account Retailer Offers - 10% Morrisons, H. Samuel, Apex Hotels, Europcar, Photobox, Hotels.com and more (customer specific)

22
No doubt this will be customer specific but I noticed some new deals landed in my account, most noticeably 10% cashback on Morrisons purchases. Activate the offer in your internet banking account t…
konkywonky Avatar1m, 3w agoFound 1 month, 3 weeks ago22 Comments
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alex_dis
woldranger
They'll need more than these offers to keep people using that account since they halved the interest and kept the £5 fee. Only worth it if you're close to maxing it out near the 20 grand mark. I've moved mine to various banks that are paying 3-5% at the mo, and a couple are set at that for 12 months
That level of interest rate cut was bang out of order, especially after raising the account fee a few months earlier. Thing is, they know that the majority of people are going to be using that account specifically because they have larger balances and there isn't anything comparable on the market unless they faff around and split it amongst multiple accounts like you did.

I'm as annoyed as anyone that the rate was dropped, we obviously all want the highest rate possible but you do say yourself there isn't anything else comparable on the market, so you can kinda see why they dropped it.
Newbold
If you're wondering why you haven't got any offers, you do need to have a Santander credit card on your account to get them - the 123 debit card isn't enough on its own. The Zero card does the trick, though.

I don't have a credit card and get regular offers via my 1-2-3 Current Account oO
If you're wondering why you haven't got any offers, you do need to have a Santander credit card on your account to get them - the 123 debit card isn't enough on its own. The Zero card does the trick, though.
woldranger
They'll need more than these offers to keep people using that account since they halved the interest and kept the £5 fee. Only worth it if you're close to maxing it out near the 20 grand mark. I've moved mine to various banks that are paying 3-5% at the mo, and a couple are set at that for 12 months
House bills are still offset against the fee but interest rate halved from November, I may just paydown the mortgage rather than earn lower interest
Why don't they offer the same to all customers? We have the same accounts.
Ditching Santander asap
240Expired

Free Santander Cycles in London this weekend

13
Free Santander Cycles in London this weekend to celebrate our sixth anniversary! To celebrate six years of helping people discover London by bike, Santander along with Transport for London (TfL) ar…
Drosiah Avatar4m, 20h agoFound 4 months, 20 hours ago13 Comments
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Thank you very much op. Do the same thing next year :)
K0YS
ms024
this santander cycle service seems scam to me. there is a part mistake from my side too. took 3 bikes thinking 2 quid for 24 hrs next day i was charged 24 extra. 2 is just for taking bike out and cost 2 per hr after 30 min. we used it for 3 hrs. not impressed with this service though.
how is that a scam when you couldn't follow the instructions?
I must have made you clever now.
ms024
this santander cycle service seems scam to me. there is a part mistake from my side too. took 3 bikes thinking 2 quid for 24 hrs next day i was charged 24 extra. 2 is just for taking bike out and cost 2 per hr after 30 min. we used it for 3 hrs. not impressed with this service though.


​user error :{
read the T&C
ms024
this santander cycle service seems scam to me. there is a part mistake from my side too. took 3 bikes thinking 2 quid for 24 hrs next day i was charged 24 extra. 2 is just for taking bike out and cost 2 per hr after 30 min. we used it for 3 hrs. not impressed with this service though.
how is that a scam when you couldn't follow the instructions?
danuzumi
Feathers33
We saw lots of these bikes being used on the recent naked bike ride. Remember your antiseptic wipes and good luck !!
Disgusting. People these days have no consideration for others?
Absolutely disgusting I didn't get to see any.:(
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-107

Santander 1|2|3 Lite Current Account - £1 per month ** Cashback on household bills**

19
Santander launched a new 123 current account yesterday ( 21/07/2016 ) which is the lite version which pays cashback on you household bills. The current account that pays you cashback on your househ…
cliosport65 Avatar4m, 2w agoFound 4 months, 2 weeks ago19 Comments
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I receive approx £11 cashback a month & was receiving good interest too, but moved recently so no real savings left. The Lite account suits me better now as I keep the cashback and only pay £1 instead of £5. Good timing too with the interest rate dropping! Don`t know why this went cold....
Shakeyyy
2_random_words
karen46
I have just switched to ordinary 123 account after having an offset account elsewhere, so far so good, the £5. charge is easily covered by cashback and the 3% interest.


​As of November though will be 1.5%


​How comes they're halving their interest rate?!


​Because they are greedy ;)
2_random_words
karen46
I have just switched to ordinary 123 account after having an offset account elsewhere, so far so good, the £5. charge is easily covered by cashback and the 3% interest.


​As of November though will be 1.5%


​How comes they're halving their interest rate?!
karen46
I have just switched to ordinary 123 account after having an offset account elsewhere, so far so good, the £5. charge is easily covered by cashback and the 3% interest.


​As of November though will be 1.5%
New Trust them...I had bad experience with them . Stay away
320

Santander Regular eSaver 5% Interest

99
You can have this account with any Santander current account only excluding 123 mini The instant access savings account funded from your Santander current account A Regular eSaver lets you save up…
shishiragarwal Avatar8m, 3w agoFound 8 months, 3 weeks ago99 Comments
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Having been encouraged to bank on line I find this a stupid requirement. I have been with Santander and its previous incarnations in the UK since 1969 and still have to go through this rigamaroll.No offence to the front line staff but they really need to get some authority to filter down to the staff facing the customers. I also wish they would get rid of the notice thank you for waiting. If I want to get to the counter what is my other ortion apart from waiting,pleae inform me.T
Every little helps, thanks for this. But as mentioned, switching out £200 pm from 123 to saver only makes £24 or so extra, not worth phone or in-branch hassle. Complained to 123 by secure message(_;)

In meantime, looking at Quidco etc for another bank account preferably with highish interest rates
Thanks op
Askrulous
snack_attack
Askrulous
A reply takes seconds.
Several replies takes minutes.
Askrulous
Setting up an account takes time
Takes 5 minutes to open the account, as much time as you reading and replying 8 times within this thread.
Askrulous
then theres the extra paperwork which I have to keep for myself
There is no extra paperwork for you. All kept online. Your accountant's job is to manage your paperwork.
Askrulous
then theres all the passwords for different accounts
You've already explained that you have a First Direct ISA, thus you will not need new login details - just use the same one and both accounts will appear within online banking.
Askrulous
I have trouble remembering passwords just for accounts set up with different establishments to keep under the fscs, so really don't need to extra headache for what is a very little amount
Either get a secure password manager program or do some memory training exercises.
I appreciate that it works for you and others, I'm glad its worth it for you, just not for me. As for my memory, there's no hope for that!

Fair enough.
snack_attack
Askrulous
A reply takes seconds.
Several replies takes minutes.
Askrulous
Setting up an account takes time
Takes 5 minutes to open the account, as much time as you reading and replying 8 times within this thread.
Askrulous
then theres the extra paperwork which I have to keep for myself
There is no extra paperwork for you. All kept online. Your accountant's job is to manage your paperwork.
Askrulous
then theres all the passwords for different accounts
You've already explained that you have a First Direct ISA, thus you will not need new login details - just use the same one and both accounts will appear within online banking.
Askrulous
I have trouble remembering passwords just for accounts set up with different establishments to keep under the fscs, so really don't need to extra headache for what is a very little amount
Either get a secure password manager program or do some memory training exercises.

I appreciate that it works for you and others, I'm glad its worth it for you, just not for me. As for my memory, there's no hope for that!
500Expired

Santander Help to Buy: ISA now paying 4%

111
Help to Buy: ISA is an account aimed to help you save for your first home. The Help to Buy: ISA is a tax-free savings account in which you can make regular deposits of up to £200 a month. You will rec…
ses6jwg Avatar8m, 3w agoFound 8 months, 3 weeks ago111 Comments
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Now 2/ 2/.5% for new customers hope you got in while you could.
Halifax cutting rates for new customers making this even more attractive
whoMODStheMODS
I doubt you get anything for opening an account.
welshblob
whoMODStheMODS
What's the extra 500 quid that Halifax give you? Is it like a joining bonus?
bugno
Halifax gives 4% as well. Same conditions plus Halifax gives extra 500 quid as far as I am concerned, just opened mine a week ago.
I can't find the extra £500 stated on their website

I think the poster must be confusing the £500 cash back when you take a mortgage out with them as a first time buyer. Although I think most of the banks do.
I doubt you get anything for opening an account.

welshblob
whoMODStheMODS
What's the extra 500 quid that Halifax give you? Is it like a joining bonus?
bugno
Halifax gives 4% as well. Same conditions plus Halifax gives extra 500 quid as far as I am concerned, just opened mine a week ago.
I can't find the extra £500 stated on their website
bugno
Halifax gives 4% as well. Same conditions plus Halifax gives extra 500 quid as far as I am concerned, just opened mine a week ago.

Have you got a link. I can't find the Halifax £500 deal. I have other accounts with them so for logistics they are easier for me but haven't read the find print in either yet. But £500 would seal the deal for me.
35Expired

Santander cashback of 10% on £50+ spend at Morrisons on some accounts. Use as part of a normal shop and/or could possibly look to purchase gift cards from Morrisons if making a large purchase elsewhere assuming that works.

15
You have to activate the offer if it is available on your account and the T&Cs state: Earn 10% Cash Back when you spend over £50 on your next purchase at Morrisons. Offer expires 13/03/2016 and is…
yoshiiiii Avatar9m, 3w agoFound 9 months, 3 weeks ago15 Comments
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Confirmed with Santander that mine is capped at £10 cashback so £100 of branded gift cards purchased.
halifax did an identical offer a couple of weeks ago for morrisons. I bought £100 of gift cards and got the cashback
not in/on my 123a/c
The 123 Account was decent until Santander got greedy and expedentially raised the monthly charge in January.
Just checked my account,

New look 8%
Get the label 10%
Kitbag 10%
White stuff 10%

Morrisons is basically the only bricks and mortar shop I use my card in. Lesson learned, pay by cash and maybe get a decent offer. Nowt better when I get an offer for waitrose and I don't think there is any in Scotland? None in a 100ml radius of me anyway.
-23

3% cash back on Apple Pay purchases @ Santander

18
This is brilliant, another reason I'm very happy with Santander (despite the account fee increase). Get 3% cash back on Apple Pay purchases with your Santander 123 account. That's a max of £0.9…
MJ10 Avatar1y, 2w agoFound 1 year, 2 weeks ago18 Comments
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You need to have minimum iPhone 6 or Apple Watch
ms2005
I too will be ditching my 123 cc card now the fees have increased. Unless you habitually use credit cards £36 is a lot of cash back to earn. That said, I see they're offering free international transactions until February which ,any help some. They do of course offer this on the world cc as standard.


Actually the foreign currency fees are waived until December 2016.
ms2005
I too will be ditching my 123 cc card now the fees have increased. Unless you habitually use credit cards £36 is a lot of cash back to earn. That said, I see they're offering free international transactions until February which ,any help some. They do of course offer this on the world cc as standard.

In 1 year I've made £501 in cash back across the debit and credit cards! More than covers the fees - even surprised me how much actually!! At the moment it's around £30/month

Edited By: MJ10 on Nov 21, 2015 10:06
I too will be ditching my 123 cc card now the fees have increased. Unless you habitually use credit cards £36 is a lot of cash back to earn. That said, I see they're offering free international transactions until February which ,any help some. They do of course offer this on the world cc as standard.
Ah well, I have the credit and debit cards! I'm happy! :)
-97Expired

Santander 123 Credit Card 5% Cashback @ Sainbury's

13
Not sure if belongs to deals or freebies. Earn 5% Cash Back on your next purchase from Sainsbury's. Offer expires 29/11/2015 and is valid one time only. Offer not valid in petrol stations. Max…
twingolondon Avatar1y, 1m agoFound 1 year, 1 month ago13 Comments
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swarnford
Fees jumping in January from £24 to £36 a year - I'll be moving elsewhere!
I won't - it's a mere trifle against the interest and cashback paid.
Is not worth it for me
I am moving my card as well as fee is going up
Before you scream jump ship over fees you should go calculate if its still worth it or not. We have the current account and the fastback each month is worth more than the new £5 monthly fee so we'll still use it
swarnford
Fees jumping in January from £24 to £36 a year - I'll be moving elsewhere!
Worse than that, £60 a year. No other bank account pays 3% on 20k tho
417Expired

Santander 1-2-3 Current Account Cashback Offers - 8% at Argos, 10% at Waitrose, 10% at Nandos (takeaway), 10% at Hawes and Curtis, Also - Vodafone, Pets At Home, Body Shop, Hertz & More

64
Noticed the Argos offer on my 1-2-3 current account tonight. Login to your account online and look in the bar on the right for your 'Retailer Offers' to see which (if any) you have received. Argos…
morgie Avatar1y, 4m agoFound 1 year, 4 months ago64 Comments
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I only have 5% off at Waitrose :(
Everyone varies a lot give you shops u don't use or use rarely
Hotcakes
morgie
Hotcakes
Can some one please tell me i have santander current account debit card and 123 credit card to get 8% which card i need to use ? called to santander credit card they said they don't know ?
quick reply will help me to decide
thanks
thanks MORGIE
As per OP it's the current account.

Its the 123 Credit Card that I use and get the cashback on. I don't even know the PIN for my current account.
Maybe its both of them that do cashback ?

Anyway my current offers are:

Pets At Home 10%
West Cornwall Pasty Company 15%
Browns Brassiere 10%
New Look 8%
Nandos 10% (indoor eating)
Air BnB 10%
Gourmet Burger Kitchen 15%
Tile Giant 10%
All Bar One 15%
Hawes and Curtis 10%
Vintage Inns 5%
Club Med 8%
Pizza Kitch and Bar 15%
Wimpy 5%
BP 1%

I doubt I will use any of them but in a few weeks there will be new offers. Santander did mention it was a trial service and may become a paid-for extra in future. I wouldn't pay more than £2 a month for it unless Waitrose and Argos cropped up a few more times.

And although it says Waitrose doesn't include gift card or lottery purchases generate cashback last Christmas I bought £100 of gift vouchers and about £100 of food and got 10% cashback on the lot. That was a nice bonus.

The nice thing about the Santander cashback is you can use it in conjunction with other in-store offers, Body Shop is usually overpriced but with their instore offers and the 5% last month made it better value for money.
Heat for a deal thats worth it for some.

Personally all I'm after is the 3%, particuarly as in order to view my 'offers' Santander want me to log out of my business log in and log into my personal log in, when both ways of logging in show all my accounts already! Talk about over complicating something very simple!
morgie
Hotcakes
Can some one please tell me i have santander current account debit card and 123 credit card to get 8% which card i need to use ? called to santander credit card they said they don't know ?
quick reply will help me to decide
thanks

thanks MORGIE
As per OP it's the current account.
-107

Santander personal loans at a all time low of 3.9%

5
This APR is cheaper than most standard rate mortgages. OK you can only borrow up to £20000 at this rate but if your lucky enough to have less than £20k on your mortgage this loan would be cheaper th…
fishpie4tea Avatar1y, 5m agoFound 1 year, 5 months ago5 Comments
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MarkShopper
Good rate for a loan, but think really hard before getting into debt however 'cheap' it sounds.
I doubt most are paying 3.9% on their mortgages, certainly the savvy people who take the best prodcuts and never sit on the standard variable rates (SVRs). I pay 1.6% with Nationwide.
Yea, the debt is issued out of thin air and suddenly you're paying them free money. Avoid!
Not very factual some of the comments here. The advertised rate must be given to at least 51% of accepted applications.

This is cheap for a loan - but a mortgage should be cheaper. Sure, some people may be on higher SVR's on their mortgage. However, these people should seek out a mortgage with a lower rate as opposed to settling for 3.9%.
The rate you are offered will depend upon:
the credit information and the last six years of credit activity held about you by the Credit Reference Agencies (Experian, Call Credit, Equifax).
the value of secured and unsecured debt that you already have.
the monthly income that you have available to repay your new personal loan.
the loan amount and term that have been requested.
the way you have managed any other accounts with Santander.
Highlighted rate, I doubt average person will get that. Out of 100 people they can legally give this rate to 1 person. BANKS ARE SLY AND KNOW HOW TO CHEAT THE SYSTEM
Good rate for a loan, but think really hard before getting into debt however 'cheap' it sounds.

I doubt most are paying 3.9% on their mortgages, certainly the savvy people who take the best prodcuts and never sit on the standard variable rates (SVRs). I pay 1.6% with Nationwide.
538

0% on Balance Transfers & Spendings for 23 months - NO BALANCE TRANSFER FEE - plus £12.50 Quidco (annual Fee £24.00) @ Santander

54
0% on balance transfers & spendings for 23 months NO BALANCE TRANSFER FEE £12.50 Quidco longest no fee balance transfer credit card BETTER THAN TESCO CREDIT CARD DEAL Annual fee of £24 - a…
Pranga Avatar1y, 7m agoFound 1 year, 7 months ago54 Comments
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Approved after 24 hours and card already showing on our santander banking :)
Three hours approval email ........
...free money...
Approved straight away:)
Not bad, but not as good as the current Tesco CC deal.
238

Santander cashback offers *Online banking customers* - Morrisons, Hertz, Waldorf Astoria & Conrad Hotels

48
Some new cashback offers available online when you sign up to retailer offers and apply the offer to your card. My currents offers are 10% cashback at Morrisons (first £100 spent), 10% cashback on
konkywonky Avatar1y, 10m agoFound 1 year, 10 months ago48 Comments
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KongDonkey
No offers showing at all on my account.
Have they pulled the plug on this feature ?

Logged on this morning and they are showing again now.
Nothing of interest however, just some obscure restaurants about 15 miles away.
No offers showing at all on my account.

Have they pulled the plug on this feature ?
W00T!! I had Hungry House as an offer and never realized. I just opted in. Expiring in 3 days but, 15% off could be a fiver!
Well I have Morrisons on offer, but only 5%; max. £5.
I ordered the Campo Viejo reserva offer online, and it was delivered last night.
I did it through Topcashback so should also get a new customer payment, hopefully...
91Expired

23 months 0% on purchases or Balance Transfer with no BT fee - Santander 123 £24.00

12
I know there is another good Santander credit card deal on this forum, but now you have a choice. This new deal is for the Santander 123 credit card which has no balance transfer fee. There is a £2…
gwapenut Avatar1y, 11m agoFound 1 year, 11 months ago12 Comments
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I suppose it all varies. I already had another card with them, 7K limit, and they also gave me another 7K on this card, which is fab.

Am hoping when my previous card BT runs out in June that I can close it and combine that credit limit onto this new card to get 14K total, and then stooze some more.
Very low credit limit compared to other cards I have had in the past and they won't increase it for at least 6 months. Absolutely worthless.
Customer service? I can't get through to them at all on the phone. also got given low credit limit out of the box. Assume I can ask for it to be raised but if not....worthless. Will see...
Well, I know this will not be typical, but I've got the deal for better than nothing!

They messed up and charged me a 3% BT fee, and didn't respond to my secure message. So I complained and they refunded the BT fee and credited me £40 goodwill.

So cost for two years for me = £24 - £12.62 TCB - £40 compensation = -£28.62 (profit).

Edited By: gwapenut on Jan 08, 2015 17:45
Normally the risk is that a BT creating a positive balance gets rejected - in those situations, I don't know whether the BT fee still needs to be paid.

However for this card there is no BT fee so perhaps it is risk-free to try.
84Expired

Santander Credit Card - 0% on balance transfers & purchases for 15 months (no product or BT fee!!!)

9
The Tesco credit card got 800 degrees so logically this should get even hotter... Anywhere here are the details: With our Santander Credit Card, you get: 0% for 15 months on balance transfers a…
ses6jwg Avatar1y, 11m agoFound 1 year, 11 months ago9 Comments
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Why is this expired ? The deal is still available.
Just shows what a clique site this is really as the inferior tesco card got to 800 degrees
Great deal - heat already added
I have signed up for one of those. I got notification from a moneysupermarket email.
I gotta get me one of those. thanks
-20Expired

Santander 123 Credit Card £24.00 annual fee.

6
123 credit card available from Monday 15/12/2014 will now give you: 1% Cashback on Supermarket Shopping 2% Cashback at Department Stores 3% Cashback at Petrol Stations, National Rail and TFL trav…
SeaneyB Avatar1y, 11m agoFound 1 year, 11 months ago6 Comments
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The OP said this offer starts on 15/12/2014
Not a bad card if your a fairly big spender. I mean you should be able to claw back the £24 fairly quickly and go into cashback profit. There is/was a few days ago also cashback if you go through topcashback. Something like £12. If you spend £1000 on fuel in a year that's £30 back plus all the extra from supermarket shopping, department stores and other travel costs.
I'm seeing 18 months 0% on purchases and no mention of 0% on balance transfers?
Not much of a deal - this has been around for a while now and is pretty well advertised.

I had it for a year after setting up the current account but it wasn't worth me continuing.
23 Months 0% Interest on balance transfers (with No fee) is worth some heat - even if you do have to pay the £24 a year card fee.
404Expired

Santander new cashback offers *Existing Online Banking Customers* you choose - starbucks, morrisons, waitrose

69
for existing Santander customers who use online banking, if you log into your online banking account you will see on the side that you can sign up to new cashback offers that you choose from a list (y…
benrd Avatar2y, 1m agoFound 2 years, 1 month ago69 Comments
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Had the first actual payback on this today ie from November offers/usage : shows as "MY OFFERS CASH EARNINGS" = 16p!

Still better than nothing, and my transaction helped us all learn that cashback at Waitrose is NOT included in payback :p

Two new very 'random' offers have appeared in the last fortnight for me - still at least this 'something for nothing' scheme is still running.
Waitrose 5% for me.

I spent £100 on gift vouchers there yesterday. Shame I didn't know about this offer then but I don't know if they would have counted anyway.
Thanx.....another Waitrose 5% off for me! I guess it would have been more but for the fact that i use my 123 card quite a lot in Waitrose now (so much better than Tesco, Sainsbury's et al...and some pretty good deals too!).
I am seeing

Waitrose - 15%
Hungryhouse - 10%
Argos - 5%
Maplin - 10%
Robert Dyas - 10%

And a few others such as Hilton, but they're no interest to me.
The offers that I saw today were Waitrose 10%, Argos 5% and Hungry House 15%.
370

FREE 4 year 16-25 railcard with Santander 123 Student Account!

56
I couldn't believe it myself but I've looked through all the details and all you have to do is register for online banking and pay in £500 a month! You can even just close the account after getting th…
Taz1529 Avatar2y, 4m agoFound 2 years, 4 months ago56 Comments
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You have to 18 so I don't see why it's 16-25!
DKB07
When I tried asking for one, they said it is for first year students only, was I misinformed?

At my branch they told me I could get one, got an appointment set up for next week.
wombat6025
BluePeanut
napolimp you said you sent a doctored letter, couldn't anyone do that then?

Anyone without scruples and happy to obtain money / services by deception.

lol yeah not me then
When I tried asking for one, they said it is for first year students only, was I misinformed?
BluePeanut
napolimp you said you sent a doctored letter, couldn't anyone do that then?


Anyone without scruples and happy to obtain money / services by deception.
380Expired

Santander Balance Transfer Card, 0% for 17 Months. (0.9% LOW Fee for the LIFE of the 17 months 0% Deal)!!

23
Unlike the 33 month Barclaycard deal, where you need to transfer your existing debt within the first 60 days to get the 0% deal. This card allows you to transfer a balance as many times as you like d…
herby247 Avatar2y, 4m agoFound 2 years, 4 months ago23 Comments
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Thanks, got approved for this card today :)
Sometimes the website doesn't give you an option to set up a direct debit under your confirmed your CVV number back of your card ONLY THEN can you setup a direct debit? I missed a payment on 1 card and I got a refund plus continued my promo rate but warned to setup a direct debit.
Yes.... Any promo card has that rule, late payments/missed payment generally remove the promo rate.... You can call them and I guess if you have a very good reason they may re-instate it but I've never put myself in that position ever and always setup a direct direct to make a minimum payment so it would never happen to me!
above link doesn't work had to go through google search. Anyone know if they strip the promo rate of 17 months off you if you miss a payment by mistake?
My brother applied for this 2 weeks a go, hasn't heard a response at all get, weird :/
20Expired

EXCLUSIVE 1% bonus cashback with all major airlines, hotels & travel agents. 3% Cashback on everyday shopping & 18M interest free on purchases with the 123 Credit Card. £24.00 per year or free if you hold the 123 Current account @ Santander

20
So Santanders 123 Credit is allowing customer to earn 1% cashback on flights, hotels and travel agents up until the 31st August. Along with that you get the additional cash back on your everyday shopp…
camroncarter Avatar2y, 4m agoFound 2 years, 4 months ago20 Comments
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mjccam
Has anyone with this account or cc used the RBS/Natwest mobile apps?

I'm with RBS and i'm seriously considering switching to the 123 but the RBS/natwest app is really very good and there are constant improvements all the time, i'd hate to leave it for a worse one

Santanders is just as good.. I have both!
Has anyone with this account or cc used the RBS/Natwest mobile apps?

I'm with RBS and i'm seriously considering switching to the 123 but the RBS/natwest app is really very good and there are constant improvements all the time, i'd hate to leave it for a worse one
TiscaliSurvivor
jans
TiscaliSurvivor
This Spanish bank despises its UK customers yet we are their largest profit base.

Try to ring their chairmans office... good luck you wont get through, ever. They are spending a forrtune on preventing PPI claims getting through just like they did with misselling. Look the gift horse in the mouth but give them nothing in return.

79% of trustpilot people give them 1 star out of 5.
https://www.trustpilot.co.uk/review/www.santander.co.uk

Last year they were the most complained about Bank
http://www.theguardian.com/money/2013/apr/20/santander-tops-bank-complaints-list

So why are they being so generous???
Santander paid £150M for the crown jewels of Bradford and Bingley £21bn assets without a penny of the £50bn of liabilities (thanks Labour).
http://www.telegraph.co.uk/finance/financialcrisis/3100146/Santander-buys-Bradford-and-Bingleys-branches.html

Yeah, this Spanish bank has despised me to the tune of nearly £2000 gained in interest and cashback over 2 current accounts in the last 19 months since joining them which is £2000 more than we earned staying loyal to the Halifax for years. They can despise me as much as they want. I'm happy with that kind of hate, thanks.

I am not saying boycott them, simply squeeze every penny from these parasites that you can. I'd double check your 2K though 20K saved at 3% for 18 months after tax = 576, capped items such as petrol = 130 each maximum for 18 months for 5 items = 650, Say 6K in Isa - Another 150 - No where near 2000 - but still pretty decent

As said above. It's over two accounts, not one. My partner and I have two of the 123 current accounts between us which get on average 50.00 per month each in interest And cashback on utilities and various direct debits etc. Only one half of the joint account is taxed (his half as I'm not working at present - so not liable for tax) It's not quite 2K gained yet which is why I said 'nearly' but averaged at 50.00 x 19 = £950 x2 = £1900 so not that far off. Plus with the additional cashback earned over the same period on the 123 credit card itself probably takes it to way over the 2000 mark even factoring in the monthly charges for the accounts (of which only 7 months of the charge is applicable on the credit card as the first year was free)
gluke21
This is a great credit card but get the
123 current account first.(That's great
itself)
Santander are a much improved bank
and have some great accounts. The
service is now Excellent.



They must have improved, they really could not get any worse.

The very worst bank in the UK.:(
jans
TiscaliSurvivor
This Spanish bank despises its UK customers yet we are their largest profit base.

Try to ring their chairmans office... good luck you wont get through, ever. They are spending a forrtune on preventing PPI claims getting through just like they did with misselling. Look the gift horse in the mouth but give them nothing in return.

79% of trustpilot people give them 1 star out of 5.
https://www.trustpilot.co.uk/review/www.santander.co.uk

Last year they were the most complained about Bank
http://www.theguardian.com/money/2013/apr/20/santander-tops-bank-complaints-list

So why are they being so generous???
Santander paid £150M for the crown jewels of Bradford and Bingley £21bn assets without a penny of the £50bn of liabilities (thanks Labour).
http://www.telegraph.co.uk/finance/financialcrisis/3100146/Santander-buys-Bradford-and-Bingleys-branches.html

Yeah, this Spanish bank has despised me to the tune of nearly £2000 gained in interest and cashback over 2 current accounts in the last 19 months since joining them which is £2000 more than we earned staying loyal to the Halifax for years. They can despise me as much as they want. I'm happy with that kind of hate, thanks.

I am not saying boycott them, simply squeeze every penny from these parasites that you can. I'd double check your 2K though 20K saved at 3% for 18 months after tax = 576, capped items such as petrol = 130 each maximum for 18 months for 5 items = 650, Say 6K in Isa - Another 150 - No where near 2000 - but still pretty decent

Saving Money on Banking With Santander

SantanderSantander may seem like a fairly new arrival on the UK’s high street, having been formed in 2004. However, it has deep roots in British history, having been created by the merger of Spanish Banco Santander with the Abbey National, Bradford & Bingley and Alliance & Leicester building societies. Since the rebranding, Santander has gained a sizable market share, with 14 million customers and over 1,000 branches across the UK.

Where to Bank With Santander

If you’d like to set up an account at Santander or take advantage of any of their products, you can either do so via their website at www.santander.co.uk or in-store. Finding your nearest Santander branch should be simple. Just go to their website and use the Branch Locator tool to call up a map with nearby locations.

Product Categories on Offer at Santander.co.uk

Santander’s online banking site provides a wide range of services, including:

  • Current Accounts – Including accounts with cashback on household bills, Everyday accounts with no monthly fees and a Visa card, Choice Current Accounts with no unarranged overdraft charges, no frills Basic accounts and Mini accounts tailored to younger savers.
  • Credit Cards – Featuring the popular 123 Credit Card that delivers cashback on everyday spending via the bank's Retailer Offers scheme, as well as 0% interest for almost two years. There are also Santander Cards with no monthly fees that offer cashback on shopping. Santander have also introduced contactless credit cards to a number of their accounts to make life easier for customers.
  • Insurance – Includes packages for home, car, travel and life insurance. Travel insurance is underwritten by ACE European Group, Life and Home insurance by Aviva and Car insurance by BISL.
  • Loans – Includes car purchase loans, home loans for DIY projects, debt consolidation services, loans for special occasions like weddings and miscellaneous loans for other purposes. This also includes business loans.
  • Mortgages – Services for home buyers, with special sections for first time buyers, and existing customers.
  • Cash, ISAs and Savings – Includes tax efficient accounts and Junior ISAs, as well as long-term savings accounts that are accessible via mobile and online banking.
  • Investments – The Santander Investment Hub provides financial advice for personal customers who want to find ways to put their money to work.
  • Business Services – Includes loans, current accounts, store cards and business cards, insurance and general business support. There are also specialist services for charities seeking financial assistance.

Simple personal fair bank

Using the Santander Online Bank

Customers do not need to visit a high street branch to apply for Santander’s banking services. You can also apply online for the majority of the company’s accounts and insurance products. Before you can apply for an account, you need to confirm that you have read the applicable terms and conditions. If you are not yet a Santander customer, you also need to fill in a few membership details and provide your financial details before an account can be set up.

Online banking is available to all Santander account holders. It allows customers to check their balances, make payments, set up alerts, print out statements, change security details, request assistance and configure their account for using it abroad. It’s also handy if you lose your card, as it includes quick cancellation and replacement options.

How to Sign Up for Mobile Banking

Santander’s Loyalty Scheme

Santander.co.uk operates a scheme called Santander Select, which offers a range of benefits to regular customers. Select members have access to dedicated Select Managers in most branches, 24 hour customer support, mobile banking and special members-only deals. However, the 123 Account also provides plenty of membership benefits, including generous cashback offers at high street stores.

Switching to a Santander Bank Account

Santander offers a number of benefits for customers who switch to their services from other banks. Making the change can be completed in as little as one week, including all of your direct debits and your salary payments. In fact, Santander will make sure that any payments are redirected into your new account for as long as 36 months after you switch. Many customers also qualify for a 4-month fee free unarranged overdraft.

Santander Spendlytics

Cancelling a Santander Account

Closing a Santander account should be simple:

  • If you are unhappy with the service provided or wish to move all of your funds elsewhere, just visit your nearest Santander branch and request a meeting with an advisor.
  • They will talk you through any alternative packages that are more suitable for your needs or close the account if necessary.
  • Santander also make it easy to cancel direct debits. If you want to stop money leaving your account, visit a Santander branch before 8pm on the day before the money is due to be withdrawn (2pm on Saturdays). This will ensure that the bank can process your request in time.

Santander’s Social Media Presence

Santander on social mediaIf you wish to stay informed about any new financial products on offer from Santander or information about special deals for customers, you can follow them on the following social media platforms:

Banking With the Santander Mobile App

Santander have embraced mobile banking in a big way, enabling you to check your account, manage funds and add or amend your details wherever you are.

To get the app, head to the Santander website, go straight to the iTunes Store or to Google Play.

With the mobile app you can instantly see all of your accounts with their totals and cashflows, making it easy to manage your finances on the move.

You can also use the app to access special Retailer Offers that are only available to Santander customers. Under these deals, customers earn cashback when they shop at certain high street retailers using Santander cards.

To activate Retailer Offers, head to the mobile app and choose the Retailer Offers section. Here, you can choose which retailers you want to link to your account (there’s no limit, so choose as many as you like). Then just shop as normal at your chosen retailers. At the end of the month your Santander account will be topped up with the cashback you have earned.

Santander Spendlytics App

Contacting Santander

If you have an enquiry about the financial products on offer from Santander, or you have a customer complaint, getting in touch is simple.

There are three contact numbers for current accounts:

  • 0800 0686069 (for 1|2|3, Everyday, Choice or Basic Current Accounts)
  • 0800 0304154 (for Student or Mini Current Accounts)
  • 0800 0304154 (for Graduate, Post-Graduate of Mini Accounts in Trust)

All lines are available 8am -9pm, Monday to Friday, and 8am-4pm on Saturdays.

If you lose your card, you can call Santander on 0800 9123123, which is available 24 hours a day, 7 days a week.

You can also get through to Santander via e-mail by using the contact tools on your Santander Account. If you have a complaint, why not write to the UK head office? You can reach Santander at:

  • Santander UK PLC
  • PO Box 1125,
  • Bradford, BD1 9PG
  • United Kingdom

However, if you have a relatively simple query about the various cards and accounts offered by Santander or mobile banking, the FAQ section on their website will have all of the information you require.

Santander is a massive presence on the UK high street and now has an easy to use online and mobile banking service as well. They regularly offer exclusive retail discounts to customers and incentives to switch, and all of the most recent deals are featured at the Santander HotUKDeals pages.