Santander online banking provides a wide range of digital services that enable customers to easily manage their finances from their devices. By signing up for online banking, users can access their accounts, set up transfers, create alerts, and monitor their investments. The Santander Mobile Banking App enhances this experience even further with features such as Mobile Check Deposit and the ability to check balances while on the move.

Setting up Santander online banking for the first time is a simple process. Customers should go to the official Santander website and click on the ‘Enroll Now’ option. They will need to enter their account number or debit/credit card number, along with the last four digits of their Social Security number for verification. After verification, users can create a user ID and password, link their phone number and email address, and set up security questions to finish the enrollment process.

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Santander offers online banking services that allow customers to manage their finances digitally. Here’s a breakdown of key aspects:

Features:

Make payments and transfers

View, cancel or set up standing orders

View or cancel Direct Debits

View statements

Pay your credit card

Report your card as lost, stolen or damaged

View your PIN

Mastercard card controls (freeze/unfreeze, gambling, international, contactless and online blocks)

Update your personal details

Paying in cheque

View your card details

Raise and track card transaction disputes

Check out our financial support hub where you can manage an overdue amount, check out our financial health check tool and use our budget calculator

View your account balance, interest rates and any fees.

Read: List and top Online loan lender in UK

Table of Contents

Sign up for Online and Mobile Banking

To sign up for Online and Mobile Banking you need your mobile phone to hand and one of the following:

your debit or credit card number if you have one
your banking or savings account sort code and account number
or mortgage account number if you have none of the above (mortgage only customers)

How to register for Santander online banking

Registering for Santander online banking is a straightforward process. Here are the steps you need to follow:

Go to the Santander Online Banking page.
Click on “Register” button
You will need your mobile phone and either your debit or credit card, or your banking or savings account number and sort code, or your mortgage account number.
Follow the prompts to verify your identity. This may include receiving a One Time Password (OTP) via SMS or email.
Set up your Personal ID and security number (5-digit Registration Number or Customer PIN).
Follow the remaining prompts to complete the registration process.

Once registered, you can also download the Santander mobile banking app from the iOS App Store or Google Play Store to manage your accounts on the go.

Santander Mobile App

The Santander UK Mobile Banking app is designed to provide users with convenient and secure access to their banking services on the go.

Features:

Account Management:
- Users can check their account balances and view transaction history.
- They can also view statements and manage their Direct Debits and standing orders.
Payments and Transfers:
- The app allows for easy money transfers between accounts and to other payees.
- Users can also pay bills and set up future-dated payments.
Card Management:
- Users can view their card details, including PINs.
- The app provides features to freeze and unfreeze cards, and to block specific transaction types.
- users can also report lost or stolen cards.

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How to register for Santander UK mobile app

To register for the Santander UK mobile app, you’ll need your mobile phone, your debit or credit card (or banking/savings account details), and your mortgage account number (if applicable). Then, download the app from the App Store or Google Play Store and follow the steps below.

Download the Santander App from the iOS App Store or Google Play Store.
Once downloaded, open the app on your mobile device.
Enter your log on details. If you don’t have them, you can request them through the app.
Follow the prompts to verify your identity. This may include receiving a One Time Password (OTP) via SMS or email.
You will be asked to create a 6 digit PIN.

6. You then need to re-enter your 6 digit PIN.

7. You will be asked to enter a name for the device you are using. Use a name that helps you identify the specific mobile device.

8. Tap ‘Confirm’.

9. Your device has been registered and is secure. To log on, tap ‘Continue’.

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How to transfer money with Santander online banking

Transferring money with Santander online banking is straightforward. Here’s a step-by-step guide:

Log in to your Santander online banking account.
Navigate to the “Money Movement” section and select “Transfers” then “Transfer Funds”.
Enter Transfer Details:
- Select the account you want to transfer money from.
- Select the account you want to transfer money to.
- Enter the amount you wish to transfer.
- Choose the date for the transfer.
- Select if it’s a one-time transfer or a recurring transfer (weekly, monthly, etc.).
Click “Continue” to review the details.
Confirm the transfer. You will receive a confirmation message once the transfer is successfully completed.

If you prefer using the mobile app, the process is similar:

Open the Santander mobile banking app.
Tap the “Money Movement” icon, then the “Transfer” icon.
Enter the Amount and tap “Done”.
Select Transfer From and Transfer To accounts.
Enter Transfer Date and tap “Submit”.
Confirm the transfer. You will receive a confirmation message

How to reset Santander online banking password

Resetting your Santander UK online banking password is straightforward. Here’s how you can do it:

Online Banking

Go to the login page and select “Forgot Your Password?”.
Enter your Personal ID and mobile number.
Select a verification method:
- For One-Time Passcode Verification: A passcode will be sent to your registered mobile number. Enter the passcode to proceed.
- For ATM, Debit, or Credit Card Verification: Enter the last 4 digits of your card number and your PIN.
Create a new password and confirm it.
Confirm the change. You will receive a confirmation message once your password is successfully reset.

Mobile Banking

Open the Santander Mobile Banking app and select “Forgotten your log on details”.
Enter your Personal ID and mobile number.
Select a verification method:
- For One-Time Passcode Verification: A passcode will be sent to your registered mobile number. Enter the passcode to proceed.
- For ATM, Debit, or Credit Card Verification: Enter the last 4 digits of your card number and your PIN.
Create a new password and confirm it.
Change Password. You will receive a confirmation message once your password is successfully reset.

Read: List of Banks and Credit Union in United States of America

How to Activate and manage your Santander uk cards.

Activating Your Santander UK Cards

Debit Card

Sign the white strip on the back of your new debit card.
Make a purchase using Chip and PIN or use a cash machine to activate contactless payments.

Credit Card

Log on to Online Banking.
Navigate to the “My details & settings” tab.
Select “Other services” and then “Activate a new card”.
Enter the One Time Passcode (OTP) sent to your registered mobile number.
Enter your PIN when prompted.

Alternatively, you can activate your credit card through the Santander Mobile Banking app by chatting with Sandi, the digital assistant.

Read: List of Banks and Credit Union in United kingdom

Managing Your Santander UK Cards

Online Banking

Log on to Online Banking.
Navigate to the “Manage Cards” section.
View card details, make payments, transfer money, and set up holiday flags for using your card abroad.

Mobile Banking

Open the Santander Mobile Banking app.
Tap “Manage Cards” from the shortcuts at the top of the home screen or in “More options”.
View card details by completing authentication (facial recognition, fingerprint, or OTP).

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and technology. He studied Business Administration at Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.