If you’re not a Santander customer, have a read of our other app reviews to find a banking app better suited to your needs.
Aimed at existing Santander customers, the app provides a straightforward way to manage any current account, savings account or credit card held with Santander. If that’s not enough for you, there’s also the Santander Wallet app, which analyses and tracks your spending, helping you to budget. The Santander mobile banking app allows you to do the following:
The easiest way to apply to open a new account with Santander is online. Go to the Santander website 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.
In addition to the basics provided by Santander’s mobile banking app, there’s also the Santander Wallet app, which helps users to budget their money. Echoing digital banking heavyweights such as Starling, you can use the Wallet app to see a “breakdown” of your spending allowing you to view exactly where your money’s going.
Expenditure can be organised by category, so you can see, for example, how much you normally spend on eating out or on train fares in a given month. You can also see charts that show how your spending behaviour changes over time – a spike over the Christmas period, for example. However, you can’t set saving targets to help focus your budgeting efforts.
The Financial Services Compensation Scheme (FSCS) is an independent statutory fund set up to safeguard consumer finances in the event of a bank being unable to meet its payment demands. Santander has full FSCS protection, which provides compensation for the loss of up to £85,000 – as is the standard for UK bank accounts.
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