Is Santander legit?

A factual composite from public reviews, official regulator records, app stores and the company’s own policies. We report evidence, not verdicts of fraud or endorsement.

Based on 1,554 public Trustpilot reviews published 2025-02-02 to 2026-09-23 — see the Trustpilot page. Not affiliated with Trustpilot or Santander.

Trustpilot lists this business as not currently collecting reviews. See the Trustpilot page for the current status.

Santander is an established company with 12,437 Trustpilot reviews and a 3.5 TrustScore. In our census of recent reviews, 22% were classified as complaints, most often support unhelpful, support unreachable, account/app problems. Elsewhere it scores 2.8★ on Google. Of 395 company replies to negative reviews analysed, 37% engaged with the specific problem.

What official records show

FCA (2025-H2): 46.3% of ombudsman cases upheld against the firm.

FOS (H2-2025): 25.1% of ombudsman cases upheld against the firm.

What goes wrong most, according to reviewers

Support unhelpful — 181 reports (39% of complaints)
Support unreachable — 165 reports (36% of complaints)
Account/app problems — 163 reports (35% of complaints)

Full evidence, quotes and trends: the Santander complaint report.