Santander business bank account comparison and review
Santander has some great free and discounted banking offers for startups, as well as accounts suitable for charities.

Santander offers a range of services to businesses, including current accounts (with special rates for startups), loans, insurance, credit cards and advice on obtaining finance and efficiently running your business.
Santander entered the UK banking market in 2004 and has since grown to serve over 14 million customers across the country. Currently Santander is only supporting existing Santander customers looking to open new Santander business accounts (last checked June 2023).
Santander has three types of current account to serve different circumstances (not including large corporate banking services):
Note that all of the above accounts must be used solely for business purposes.
Santander’s business accounts include the following benefits:
Santander customers can make international payments using online and telephone banking.
Cost of international banking:
Payments in GBP, euros and USD can be made on the same day, as long as they are made by the cut-off time (varies by currency, details on the Santander site).
You can choose whether to pay the fees yourself or charge them to the recipient.
Depending on your query, Santander can be contacted using the following numbers:
Current accounts, lost/stolen debit card and international payments: 0800 731 6666.
Lines open 8am to 9pm Monday to Friday and 8am to 1pm Saturdays.
Loans and overdrafts: 0800 313 4481.
Lines open 8am to 6pm Monday to Friday.
Credit cards (including lost/stolen): 0800 218 2345.
Lines open 8am to 8pm Monday to Friday and 8am to 2pm Saturdays.
Support for online and mobile banking: 0800 169 6677.
Lines open 8am to 9pm Monday to Friday and 8am to 2pm Saturdays.
Making a complaint: 0800 171 2171.
Lines open 8am to 6pm Monday to Friday and 8am to 2pm Saturdays.
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In our independent 2024 customer satisfaction survey, 94% of NatWest’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s excellent customer service and easy to use app. Here’s what some of those Santander customers had to say:
“They offer great business advice and support. The services are super accessible and so easy to use.”
“They have a wide range of business prudcts and tools. The customer service team is easy to contact”
On the Apple App Store, Santander is rated 4.6 out of 5 stars from almost 11,500 reviews. On the Google Play Store, NatWest is rated 2.9out of 5 stars from 900 reviews (February 2024).
Pros
Cons
Email support | |
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Telephone support | |
In-app or live chat | |
Contact form | |
Branch support |
Santander is one of the biggest banking names on the UK high street, so it has a large branch network if you need to make a visit. It has a range of business accounts available depending on your business size and needs, and also offers overdrafts and other banking products. Santander has various free or discounted business banking offers available on new accounts, although once any free banking periods end, the monthly fees are not the most competitive available.
Get started by visiting Santanders’s website and sign up for an account. If you have read this review and decided that Santander’s account is not for you, you can also compare other business bank accounts on the market.
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