Santander Login | Sign up for Online and Mobile Banking

Founded in Spain in 1857, with the UK branch being founded in 2010, Santander is a force of nature on the high street. If you’re a Santander current account holder and looking for a mobile app to take care of your banking needs on the go, the Santander app is certainly worth a look.

How do I apply for a current or savings account with Santander?


The easiest way to apply to open a new account with Santander is online. Go to the Santander Login to open a sole or joint account, open a second account or switch your existing account to Santander. You can also open an account in your local Santander branch, but you’ll have to book an appointment beforehand if you do.

Santander fees and limits


  • There are no unarranged overdraft fees charged to the 123 Current Account, the 123 Lite Current Account and the Select and Private current accounts.

  • Santander does charge for unarranged overdrafts used with personal current accounts that don’t charge a monthly account maintenance fee, including the Everyday Current Account and its range of accounts. The unarranged overdraft usage fee will vary depending on the amount of arranged overdraft used up to a maximum monthly fee cap of £50.

  • As with many other bank accounts, you’ll also incur transaction fees if you make a payment without sufficient money in your account.

Pros and cons of the Santander app


Pros

  • Full access to current and savings account – can receive salary, make direct debit payments and bank transfers.

  • Simple to log in and see cashback and interest rewards at a glance.

  • Ability to earn cashback – the app allows you to manage “retailer offers”, which is a Santander reward scheme allowing current account holders to earn up to 30% cashback with selected retailers. In the mobile banking app, the user can select new offers as they become available.

  • SMS alerts can be set up, for example for when a specified amount leaves your account or your balance approaches a certain level.

  • Broad network of bank branches if something goes wrong.

Cons

  • There’s no running total displayed, so it’s not immediately clear how your balance has been affected by recent incomings and outgoings.

  • While Santander does offer the Wallet app for budgeting purposes, a budgeting tool would be useful within the main mobile banking app.

The bottom line


The Santander app offers a straightforward way to manage any current account, savings account or credit card held with Santander. Its layout is clean and functional, if a little basic. The app will be fine for those looking to manage their accounts and set up payments, but probably not much more than that.

Those looking for more features, such as budgeting, can download the Santander Wallet app. The Wallet app allows you to see a breakdown of your spending into different categories.