Santander For 1 to 9 Employees

The below comments were given by respondents who gave the bank a medium overall score (see glossary for more details).

• "I find Santander banking very adequate." Northern England; Professional, Scientific and Technical Activities
• "The good thing about Santander is they give free banking for cheques and deposits. This is a result of them taking over Alliance and Leicester, who I was with originally. I find at the moment the service rate [is] limited and impersonal." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The only thing I use is [the] banking facility. I pay so much in and they continue to provide free banking for me. I am happy as it costs me less." Southern England; Manufacturing
• "They provide an adequate and satisfactory service." Northern England; Accommodation and Food Service Activities
• "It's very good." Northern England; Accommodation and Food Service Activities
• "A good bank that I've never had problems with." Southern England; Construction
• "Satisfactory because I've never had a problem." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Yes, very satisfied." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I can pay my cheques to any post office here. I don't need to go to local banks. The charges are very low." Northern England; Manufacturing
• "Provide a cost effective service." Southern England; Manufacturing
• "Good. Everything I need." Northern England; Financial and Insurance Activities
• "They are efficient and secure, because someone attempted to clone my business and they were very quick to stop that from happening." Southern England; Construction
• "Very good because I don't have much contact with them." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Adequate." Southern England; Construction
• "It's mediocre." Scotland; Agriculture, Forestry and Fishing
• "They are adequate for our business." Southern England; Human Health and Social Work Activities
• "I get free business banking, it's a good service." Southern England; Construction
• "Could not close down business joint bank account when the other partner had cleaned the money out." Southern England; Transportation and storage
• "Very good. It's easy to get hold of the manager when I need to talk about anything. Telephoning the bank is a quick and easy system. You're not stuck on the phone for ages going through options." Southern England; Human Health and Social Work Activities
• "I find the bank pretty reasonable. Have no problems that I'm aware of with them." Southern England; Other Service Activities
• "Not very satisfied with their services." Southern England; Construction
• "Just efficient. Never had any problems." Wales; Manufacturing
• "It's okay. It could be improved, in general." N Ireland; Agriculture, Forestry and Fishing
• "They provide an adequate service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good. They are good." Southern England; Financial and Insurance Activities
• "I don't feel I get a service as I operate the business account myself." Southern England; Other Service Activities
• "A good service, but am disappointed that there isn't really any contact." Southern England; Professional, Scientific and Technical Activities
• "I think they are fairly good and fairly fair." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay." Southern England; Accommodation and Food Service Activities
• "It is adequate. It does the job." Southern England; Arts, Entertainment and Recreation
• "Average, they are all the same." Northern England; Professional, Scientific and Technical Activities
• "Well, could be better, [they could] just provide more services." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think they provide an efficient service. If things happen, like the account is getting low, they contact me." N Ireland; Construction
• "Does the job. Like I said, very basic. My business is very basic. So, just to put money in and take money out." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Okay. [They're] not good [and] not bad, [just] okay." Northern England; Transportation and storage
• "To be honest, [it's] very good." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "If I have to deal them, they are a nightmare." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Pretty good overall." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay, [a] reasonable service." Southern England; Transportation and storage
• "It's okay, it's fairly easy. You just put money in and take money out." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is cash efficiency for charging." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Reasonable." Northern England; Professional, Scientific and Technical Activities
• "I don't really have much to do with them. When we do use them, we have no complaints." Southern England; Arts, Entertainment and Recreation
• "It's an efficient service. There's no face to face with the counter." N Ireland; Information and Communication
• "It's free business banking." Wales; Arts, Entertainment and Recreation
• "Good, but not excellent." Wales; Accommodation and Food Service Activities
• "It's fine, they don't bother me too often." Northern England; Accommodation and Food Service Activities
• "They are very good, [they] help us out." Southern England; Information and Communication
• "The arranging of my loan was very quick and easy." Southern England; Professional, Scientific and Technical Activities
• "Good service. [The] only problem is because it's a free account, it all has to be done online." Southern England; Construction
• "Fairly impersonal but reasonably efficient." Southern England; Financial and Insurance Activities
• "Fair overall." N Ireland; Arts, Entertainment and Recreation
• "Anonymous. Free banking, frustrating customer service." Scotland; Arts, Entertainment and Recreation
• "[They're] satisfactory, we don't have any problems with them, although [we] would prefer to be able to go in [to the] branch to deal with [our] business accounts." N Ireland; Arts, Entertainment and Recreation
• "The service I receive from the bank is satisfactory. They do just about enough. We don't give them a lot of business and they don't hassle us too much." Southern England; Construction
• "Adequate. Cutting their banking charges down would make them more attractive." Northern England; Accommodation and Food Service Activities
• "[It's] very good service. [I have] issues with business money being banked, as [I] can only do it through a cash machine and not over the counter." Northern England; Human Health and Social Work Activities
• "Fine." Northern England; Real Estate Activities
• "Very straightforward to deal with. I use online banking. [I] do all my deposits at the post office, so I do not need to go to the bank." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay for what we are. It meets our needs." Northern England; Manufacturing
• "Postal service is easy to use, and [the] online systems are fine now." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'm happy enough with the bank, as I don’t need any other services." Wales; Transportation and storage
• "They offer a lot online with more businesses features, so they're more modern than the others." Southern England; Administrative and Support Service Activities
• "They are great for small business. No problems, free and straight forward." Northern England; Professional, Scientific and Technical Activities
• "Fair. Okay until something goes wrong, then they're terrible." Northern England; Construction
• "Basic. They do exactly what they say on the tin. Santander is disappointing for business accounts, as are all banks." Southern England; Construction
• "It's an okay service, but too long for cheque transactions." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'm perfectly happy with it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The system seems to be basic, but they are quite excellent value." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay." Southern England; Information and Communication
• "They only provide a commercial loan. I would say they are adequate without standing out." Northern England; Manufacturing
• "It's a very benign account. No in depth relationship at all. In terms [of] what they do, they are absolutely fine." Northern England; Financial and Insurance Activities
• "Santander can be helpful at times. They are very slow at clearing cheques and when you ask for help they are very slow at getting back to you." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's easy to use. You can just pay in stuff and send letters to the Post Office or online. There's a lot of branches you can go into within short distance to where we operate from. I'd like it to be open on a bank holiday but I can't think of anything else. Never really had problems with them." Northern England; Other Service Activities
• "Internet banking is fine, don't have to speak to them. Simple user interface, hard to comment." Northern England; Information and Communication
• "For the services we require very good. They are efficient and we never have any problems." Southern England; Information and Communication
• "Only use them for certain transactions. Charges cheaper than HSBC for certain, because they have better interest rates also." Northern England; Administrative and Support Service Activities
• "Just nice and easy." Southern England; Administrative and Support Service Activities
• "Very good, except they do not have facilities in bank. All you can use is just online and telephone banking." Northern England; Arts, Entertainment and Recreation
• "Fairly efficient." Southern England; Education
• "They do everything that we need them for and they are easy to use online." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate. They look out for the money. We don't have major contact with them." Southern England; Construction
• "Okay from my side. No issues." Southern England; Transportation and storage
• "They offer perfect hole in the wall banking." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Basically, it's a money in and money out account. They don't take any banking products as it's a small taxi firm." Northern England; Transportation and storage
• "Okay. Would recommend Bank of Scotland instead. Feel like they don't do much. Don't want [to] see you in person. Everything online. Not personal enough for business needs." Scotland; Other Service Activities
• "I'm just satisfied with the service that I get. They do the things that they have to do." Scotland; Transportation and storage
• "I am quite happy with them so far. It's straightforward, really." Scotland; Arts, Entertainment and Recreation
• "We don't really use the bank that much, but they are pretty reliable and cost effective for our small business." Northern England; Manufacturing
• "I can't describe it easily. They're reasonably okay, but the service is very impersonal. They're better than Barclays Bank." Southern England; Construction
• "I would probably say straightforward. Deposit accounts sit there with no day-to-day dealings." Scotland; Professional, Scientific and Technical Activities
• "They're just another bank." Southern England; Accommodation and Food Service Activities
• "Unintrusive. Just somewhere to keep money. Do what they say on the packet, nothing more, nothing less." Southern England; Accommodation and Food Service Activities
• "It serves its purpose. It's not very personal as I have to go to [the] Post Office to pay cheques in." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Relatively more helpful than Barclays Bank. They are considerate and aware of the situation of the businesses, and are willing to give much bigger loans." Northern England; Construction
• "They do their job, that's the main thing." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is great because I can contact by phone or visit [the] local branch." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The bank is alright. I have no major problem with them." Northern England; Human Health and Social Work Activities
• "They are equipped with what you need." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate but free." Southern England; Other Service Activities
• "Good. There are no charges. They pay interest when you're in credit, whereas Barclays don't." Southern England; Administrative and Support Service Activities
• "The service is reasonable but the online banking platform is not very user friendly." Southern England; Financial and Insurance Activities
• "Good working relationship. We've got a good working commercial relationship with them." Northern England; Information and Communication
• "They're a typical bank. No contact. Their system seems to work quite well for me." Southern England; Financial and Insurance Activities
• "Everything is great except the online banking. Isn't as great as other banks that I have used." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I have always found [them] very satisfactory and they communicate well." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They don't cause us any problems. Provides us with free business banking. Perfectly adequate." Northern England; Professional, Scientific and Technical Activities
• "I never see them." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Well, they are always prompt to answer the phone and they are always quick to resolve any issues I have." Southern England; Professional, Scientific and Technical Activities
• "Just fair." Wales; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Quite satisfied with them. Don't have much to say." Southern England; Administrative and Support Service Activities
• "It is very good. It's very nice and neat." Southern England; Information and Communication
• "Satisfactory." Southern England; Information and Communication
• "As long as you've got finance and assets behind you nobody wants to know." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Generally reliable and safe. They do a good job." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's very impersonal and can only be accessed either by telephone, Internet or ATM." Northern England; Financial and Insurance Activities
• "It is adequate for the purpose i use it for, it is cheap. It is free banking, that is why I like it." Northern England; Information and Communication
• "They're alright. Free banking but ATM only. No in branch service." Northern England; Transportation and storage
• "I would say if you're looking for a bank, go to Santander, as they tick all the boxes." Southern England; Accommodation and Food Service Activities
• "They have dirty cashpoint machines, and takes too long to pay cheques in at the branch." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The bank is adequate for my business requirements, but I wouldn't recommend them for any business that required full business banking facilities. I don't need any credit for the business, and I am satisfied with the services they provide in my particular circumstances." Northern England; Financial and Insurance Activities
• "I just like the online banking. It feels secure." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think their system is very good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Santander don't have enough branches in his area. Online is generally fine, just issue of not enough local branches." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't have any contact with the bank. I have free business banking. No counter service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Helpful and understanding." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Rates are good, but that's about it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is a free bank account, so you do not expect a lot from it." Northern England; Human Health and Social Work Activities
• "There is zero contact. I find it frustrating that they never speak to us." Wales; Arts, Entertainment and Recreation
• "I wouldn't say they're brilliant, but they're okay." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Effective and good customer service." Southern England; Education
• "Adequate. Nothing to not recommend. No negatives or positives." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "it is efficient and fine." Southern England; Professional, Scientific and Technical Activities
• "In order to get a statement to audit the account, I had to finally write to [name of staff member] who is the CEO of the bank. She was prompt and fantastic. Her minions would not know how to attend the opening of an envelope. I'm loathe to complain highly about them..." Southern England; Financial and Insurance Activities
• "Very good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We use little banking, but we are satisfied. With the service we get, we are satisfied. We don't get anything with them, really, we have no problem. They do the direct debit transactions." Southern England; Transportation and storage
• "Well I can't deposit change into the bank, so I can't give a 10. I can only deposit notes and cheques through the machine." Southern England; Human Health and Social Work Activities
• "It's a good service. The only downfall is that you can't use the business banking in the branch. Although you can deposit through the machine, there is nobody to talk to in the branch." N Ireland; Education
• "It is adequate." N Ireland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They seem quite fair, they don't just hand money out. You do have to [meet] certain requirements." N Ireland; Manufacturing
• "They have excellent online services and good account managers." Northern England; Professional, Scientific and Technical Activities
• "We don't use the branch. We do it all online, or we post it through the Post Office. Absolutely fine. No problems." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Easy and free with online." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "No bank charges over £3,000." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Very good service. Had no trouble." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Does what it says on the tin." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "So far I have had no problems and they are very efficient." Southern England; Information and Communication
• "Simple and fair." Southern England; Information and Communication
• "Business banking is free so that's an asset. Customer service can sometimes be poor. I had my card cloned once, it took 3 to 4 weeks to get the money back. They also lost an international transfer once." Southern England; Arts, Entertainment and Recreation
• "They provide a basic service. Again, we just put whatever money we have in, we put our standing orders in, that kind of service. We never ask for anything difficult." Southern England; Transportation and storage
• "Satisfactory, really don't have much to do with them verbally. All banks offer the same current accounts. If they had a choice of current accounts, that would be better. Keeping business advisors in the branch is important, something I get with Santander." Southern England; Construction
• "Good service." Northern England; Financial and Insurance Activities
• "Used to be very poor, but improved in the last 12 months." Northern England; Administrative and Support Service Activities
• "It's alright. It's a bank. It's supposed to do banking things." Northern England; Construction
• "Functional only for transactions. Only use them to transfer money. Don't ask for their assistance" Scotland; Real Estate Activities
• "Non-existent. Never hear from them. They should contact us as a customer [to] see how we are doing." Southern England; Agriculture, Forestry and Fishing
• "It does what is needed but it's nothing extraordinary." Southern England; Financial and Insurance Activities
• "Everything is being done online, so I don't have any real contact. Their online systems are quite good. I don't use them often and when I do, everything is fine." Southern England; Professional, Scientific and Technical Activities
• "They're extremely good value for money because it's free. They do provide good online services. I'd recommend it for businesses with low turnover. I think they start charging when it gets bigger." Southern England; Arts, Entertainment and Recreation
• "Good, but can't use desk service. It charges a lot. I have to use [a] machine to deposit the money." Wales; Real Estate Activities
• "It is okay. The communication is not good." Northern England; Arts, Entertainment and Recreation
• "I've never experienced any problems. Safe and secure." Northern England; Information and Communication
• "There are no personal managers, and no one to one contact. No named account manager." Northern England; Agriculture, Forestry and Fishing
• "They give me reasonable service and there are no bank charges for depositing accounts." Northern England; Professional, Scientific and Technical Activities
• "It's okay." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is good, but one or two issues to address. For example, the paying in procedure." Northern England; Manufacturing
• "Again, it is reasonable value for money, because of the charges. The charges for cash administration are quite high, that's it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Literally just swapped to Santander. Not really able to tell you much about their service. Hoping that they will provide good service." Southern England; Real Estate Activities
• "I don't really use them that much. I just put my money in and take it out." Southern England; Accommodation and Food Service Activities
• "They are quite reluctant and good in their banking system. They give better service than other banks." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Throughout England we need to deposit envelopes instead of going into [a] branch, but apart from that they are generally very good." N Ireland; Other Service Activities
• "It's adequate. [I] have got some issues with [the] online service though." N Ireland; Manufacturing
• "They provide a hassle-free service. We haven't had any problems with them." N Ireland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay." N Ireland; Other Service Activities
• "They are fair. Customer service is just above average." Southern England; Information and Communication
• "They're quite good whenever you need info [and] try [to] get in touch. They're very receptive and listen." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average. Well, we have [a] business banking facility with them, but their high street branch doesn't really serve the customer. They serve the person walking [in] off the street. I have to deal with more people over the phone because [their] high street presence is bad." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are okay, generally speaking." Southern England; Information and Communication
• "Impersonal. Poor customer service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We don't have any issues, and just use them to process payments/make payments. It doesn't affect us in any way. It's just a service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Again they are sufficient for getting what we want." Southern England; Arts, Entertainment and Recreation
• "They have been quite helpful. It's easy to use online banking." Southern England; Professional, Scientific and Technical Activities
• "I get what I pay for." N Ireland; Professional, Scientific and Technical Activities
• "I find them very easy to work with and very helpful. Their online services are good." N Ireland; Financial and Insurance Activities
• "It's absolutely fine, when I have a cheque to pay, I pay it in through [an] ATM and everything else is done online." Northern England; Transportation and storage
• "Pretty fair, although it is mainly supposed to be done on the Internet they are helpful if you go into the branch." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very satisfactory and helpful." Southern England; Administrative and Support Service Activities
• "I am happy with the service and particularly the pre-banking service." Northern England; Administrative and Support Service Activities
• "Adequate at best. We were better off with the previous bank." Northern England; Human Health and Social Work Activities
• "I am happy and [have] no problems." Southern England; Information and Communication
• "It is an acceptable service." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're just a fair bank. [They] have reasonable costs we know where we are with them." Northern England; Accommodation and Food Service Activities
• "The good thing with them is there are no charges and I've always had good service with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Unnecessarily complicated." Southern England; Real Estate Activities
• "I get free banking , so its fine. Although I would like [a] more flexible service, I understand the restrictions I have on the account because it's free ." Southern England; Accommodation and Food Service Activities
• "It was extremely easy to set up an account with them." Southern England; Professional, Scientific and Technical Activities
• "It is a handy service. You can use the hole in the wall when the bank is closed." N Ireland; Construction
• "Easy to deal with. Their online banking is better than other banks." N Ireland; Professional, Scientific and Technical Activities
• "They are very thorough and very informative." N Ireland; Transportation and storage
• "I think they provide an excellent service. They did well for me in regards to my business loan. They researched it and responded very quickly." N Ireland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "As long you keep in credit it's free banking." Northern England; Construction
• "It could always be better. Service, provide a service. I don't use Santander that much." Northern England; Manufacturing
• "It was the best fixed-rate bond i could get at the time. I don't have interaction with them." Northern England; Professional, Scientific and Technical Activities
• "It is a satisfactory service ." N Ireland; Education
• "[A] totally online experience with no contact from the bank." Northern England; Other Service Activities
• "[A] good bank. [I've] always had the same business manager, [it] seems more personal." Southern England; Construction
• "When you open an account with them they're interested, once you open it they're not that bothered." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "As before, what a bank should be." Northern England; Transportation and storage
• "Helpful and [you get a] good response." Southern England; Construction
• "It provides a standard banking service, and I don't need anything else." Southern England; Professional, Scientific and Technical Activities
• "Easy to set up. Good online functionality. [It] does what I need it to do." Southern England; Education
• "Okay, I suppose." Southern England; Financial and Insurance Activities
• "It could be better sometimes, if you do have a problem, there's no one to speak to. Recently we had an issue with them over something and it wasn't resolved to our satisfaction." Southern England; Manufacturing
• "Basic. I don't ask much of them and I don't expect much from them." Southern England; Professional, Scientific and Technical Activities
• "Very good business banking, but can only do banking through a cashpoint or over the phone, meaning the only drawback is you cannot go in and have a face to face with bank staff." Southern England; Other Service Activities
• "Awkward, it won't work." Northern England; Manufacturing
• "Efficient without really being proactive, I would say, I think just everything I have done with the bank has just been easy to do." Northern England; Agriculture, Forestry and Fishing
• "It provides everything we need at this moment in time." Northern England; Arts, Entertainment and Recreation
• "Fine, I have no problem with them." Scotland; Construction
• "Setting up the account and online banking is very good. We have an issue with rudeness of staff in branch, they refused to serve us. I said 'You can shut this account down now'. She said 'that's fine but you have to ring online banking to do it'. I rang up and spoke to the complaints department and was promised [that] they would ring the branch and speak to the manager and then write to me. I haven't received [a letter]. I let two weeks go by, then rang them up. They said they'd got it down here, on the system and they will resend it and two more weeks later I still haven't received it." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Reasonable and helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Their online banking is easy to use, but I do not have a dedicated business manager. They only want you to contact them through online banking." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Free banking, that is a very good advantage, and a statement in the post [that] I don't have to print off, that is a very great advantage to me." N Ireland; Accommodation and Food Service Activities
• "Very easy to use and we do not have problems with them. We always get helpful advice if we ever need it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfactory." Southern England; Professional, Scientific and Technical Activities
• "Very good from [a] business point of view. Bank services are from 8am to 8pm which is great." Southern England; Other Service Activities
• "Very organised. Very good to deal with online." Southern England; Manufacturing
• "As good as any of them. It ticks all the boxes for our needs." Southern England; Human Health and Social Work Activities
• "They are semi-efficient, but when you enquire about something the call centre is sometimes difficult to deal with." Southern England; Other Service Activities
• "Sufficient." Southern England; Financial and Insurance Activities
• "It is adequate at best, infuriating at worst." Southern England; Construction
• "It's fine. I do it mostly online and it's easy." Southern England; Information and Communication
• "I'm using an online bank which has no contact with anybody." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's adequate. It does the job." Northern England; Financial and Insurance Activities
• "We have no contact with the bank whatsoever, just Internet banking." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Basically, they are too far away from me. I prefer an operation where I can speak to someone in branch." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mixed service. Some things are good some things are bad." Scotland; Real Estate Activities
• "Nothing special. I bank with them because I get preferential banking rates." Scotland; Other Service Activities
• "Efficient and good value for money." N Ireland; Professional, Scientific and Technical Activities
• "They're very good and helpful with us. We never had any problems with them and we will recommend them." N Ireland; Construction
• "The service is free of charge, free banking. The customer service and support is not very good, but this is balanced against a free account." Southern England; Manufacturing
• "The online service is friendly and flexible, and I would be loath to leave it because of the flexibility." Southern England; Professional, Scientific and Technical Activities
• "They don't do anything more for us than provide a service for us." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Efficient and do what they're supposed to do." Northern England; Administrative and Support Service Activities
• "Negative." Northern England; Manufacturing
• "Good local support. Perhaps slightly inflexible." Scotland; Financial and Insurance Activities
• "They are okay, not bad. Been with them a long time. They are now better than they were." Northern England; Manufacturing
• "Good rates. Good staff setup, and good offer to start with them." Northern England; Other Service Activities
• "Adequate as it is free with minimum charges." Southern England; Manufacturing
• "They are just a basic bank. They don't do anything extra, they just hold the money." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "All fine." Southern England; Professional, Scientific and Technical Activities
• "Not very good. It's difficult to change any sort of details like address." Southern England; Human Health and Social Work Activities
• "There are no fees with the business account that I have because all of our transactions are done electronically. We have been told we can apply for loans if we need them but in general they leave us alone." Southern England; Information and Communication
• "It's fine. I never see anyone and I don't want to see anyone." Scotland; Other Service Activities
• "Basic." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Helpful." Northern England; Accommodation and Food Service Activities
• "I have my own business manager, I can phone her. Communication is far easier and they've been very helpful for me." Scotland; Human Health and Social Work Activities
• "I found them to be helpful. I moved from Barclays to Santander. They were very quick in sorting out my account. They were quick to make a decision on a business loan." Southern England; Other Service Activities
• "I find its services fair, but not personal enough. There isn't a business customer service section within the local branch. You have to do everything online, unless you make an appointment with a manager at the branch." Scotland; Human Health and Social Work Activities
• "Friendly. Helpful in general, and provide the service I deserve." Scotland; Other Service Activities

The below comments were given by respondents who gave the bank a low overall score (see glossary for more details).

• "I'm just not very happy with them, really." Southern England; Accommodation and Food Service Activities
• "Just day to day banking. They were supposed to be helping small businesses with loans but they just don't." Southern England; Construction
• "[I am] unhappy because they slashed the rate on deposit accounts. It means my money invested with them is getting no return. [They] changed [the] interest rate from two percent, which was poor, to one percent and that means my business is behind inflation and that my business loses money." Southern England; Professional, Scientific and Technical Activities
• "Not very good services." Northern England; Arts, Entertainment and Recreation
• "I don't get a very good service. I wouldn't recommend it to anyone. The process took 3 months applying for a business account." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is no good. I am not at all happy with them. Need to change banks, really." Southern England; Construction
• "I feel the bank is adequate and really expensive." Southern England; Administrative and Support Service Activities
• "Poor, that's all." Northern England; Manufacturing
• "I honestly believe it's a poor service, as they had to change our facility without telling us, and on top of that we had to pay along with this." Southern England; Construction
• "Very impersonal." Northern England; Other Service Activities
• "Very poor service. I can't use the branch when I want to, I have to pay in through the machines." Southern England; Other Service Activities
• "They don't help small businesses, even if you have a signed contract with guaranteed work for the next 3 years. I was refused a higher overdraft. They claim to help small businesses, but don't." Northern England; Manufacturing
• "Very poor. We initially had everything with Santander but we opened the Co-op account because things were so bad. We had fraud on the account and they didn't inform us. It took them ages to get the account sorted and about a month to process. We just stopped bothering with Santander but kept the account with a little bit of money in it to fall back on in case Co-op had any more problems like they've been having." Northern England; Construction
• "[A] total nightmare. Too much protection to access online banking which causes many problems. You can't download anything without causing corruption. [I'm] only with them because of Free Banking." Southern England; Information and Communication
• "It's fine when it works. When something goes wrong they are very bad at responding." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average." Southern England; Arts, Entertainment and Recreation
• "[They are] uncooperative, uncomprehensive and uncaring." Southern England; Human Health and Social Work Activities
• "It is patchy, and [at] other times, it is bad." Northern England; Accommodation and Food Service Activities
• "Completely impersonal, and run at the convenience of the bank, not the customer." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is good." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're satisfactory to bank with, until you need any help." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Not bad." Scotland; Construction
• "Difficult to work with. I think they make things quite difficult. Not much flexibility as to what to do. It's somewhere where we put our money." Northern England; Arts, Entertainment and Recreation
• "Very slow at processing payments and we can't pay money directly, it has to be through post." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very little support was provided and I was very much left to get on with it. They provided a very good service at the start, but that all dried up a while ago. They charge for use of the account which is unfair since I'm never overdrawn and I do not have an overdraft. I am uncomfortable with posting my money, which is the only way to deal with the bank now that I have a business account. There feels like there are too many rules to deal with and I'm only still with them out of a mix of loyalty and laziness." Southern England; Human Health and Social Work Activities
• "No, very interested. They're alright after initial sales, but after that, it's inconvenient banking." Northern England; Real Estate Activities
• "It's very difficult to get hold of anyone at Santander, and hard to get someone who knows what's going on. You have to wait in these waiting systems. The only plus side is all UK call centres, but there's no personal touch." Northern England; Professional, Scientific and Technical Activities
• "I don't think they are good. [They are] very difficult to get hold of, and they don't ring back." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just about alright. We do very little business with them and they are only there as a backstop." Southern England; Professional, Scientific and Technical Activities
• "Poor. I rung them up for business help and advice, to get quotas, as they are a bank and they were not helpful. The account that I set up originally was with Alliance & Leicester, but Santander bought them out. Since joining they won't change the account without charging me. I couldn't afford to pay the bank to change the account as my business was not making a lot of money. I don't think I should have to pay the bank for help. I wasn't happy that Santander bought out Alliance & Leicester. I have a phone account and it's very difficult to use, as it's difficult to get through." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's inefficient, but I have free banking so I'm staying. Even when you join now you don't get free banking but I have been with them for a long time." Northern England; Financial and Insurance Activities
• "Not very user friendly." Southern England; Financial and Insurance Activities
• "I don't receive any service from them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are cheap. That's it." Northern England; Real Estate Activities
• "Unsatisfactory. Not business friendly. You cannot deal with the counter staff at the Santander branches, you have to use the machine. We had dreadful problems when they switched from Alliance & Leicester to Santander with online banking. They froze our [account]." Southern England; Education
• "It was quite poor, which is why we moved to Barclays, because a lot of mistakes were made on the account. They would frequently block payments. There seemed to be a limit to how many payments you could make. I mean, it has seemed to improve recently." Southern England; Arts, Entertainment and Recreation
• "They are not good. Not good." Southern England; Education
• "Not happy with their services and never received any communication regarding products from the bank." Southern England; Professional, Scientific and Technical Activities
• "Not personal. Not supportive. Very useless." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'd say unforgiving." Northern England; Transportation and storage
• "Their phone app doesn't work, and you cannot pay a cheque in at the counter, and have to pay into the machine. Nothing really well done." Southern England; Information and Communication
• "Completely reactive. They are not helpful and they only offer basic business products and services." Northern England; Information and Communication
• "We have to go to [the] Post Office to withdraw money and the procedure is very slow. We get it eventually. Bad procedure charges." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They charge too much." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Necessary evil." N Ireland; Other Service Activities
• "Do not fulfil their obligations. Correspondence [has been] poor over the six months. Correspondence [is] poor by either telephone or email." N Ireland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They could do better to provide information on savings for very small businesses." Southern England; Real Estate Activities
• "Unhelpful; a waste of time but functional." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is okay and meets my basic requirements but [they] have not exceeded [them]." Southern England; Information and Communication
• "I once gave them a cheque for £1,000 and the lady put in one [for] £10. They registered it as £10. They made that mistake. Their presentation on the internet is getting better. I am there by default not by choice. They improved the Internet [banking], that is good." Northern England; Human Health and Social Work Activities
• "We have a good turnover for a small business. We have no liabilities other than normal stuff like Inland Revenue. They show no flexibility at all. They take a week to clear a cheque. No flexibility on if we can pull out money early, and they treat us like criminals. Counter services are non-existent. Staff vary from very helpful to downright rude." Southern England; Professional, Scientific and Technical Activities
• "No-frills banking. Because we have a business account we cannot go into the bank to deposit money. I have to pay money into an ATM. I have been with them for four years and they have never given me an overdraft." Northern England; Arts, Entertainment and Recreation
• "Utterly awful. Don't touch them with a barge pole." Scotland; Manufacturing