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Gold Bank Account

The Gold Bank Account is an everyday international bank account, available in Sterling, Euro or US Dollar currencies. It is accompanied by a Visa debit card available in all three currencies for easy worldwide access to your money.

At a glance (key features)

  • A Gold Visa debit card which gives you direct access to your Gold Bank Account in Sterling, Euro or US dollar currencies
  • Monthly statement to help keep track of your spending
  • Online Banking and Telephone Banking to manage your money
  • Our Foreign Exchange service offers commission-free rates whenever you need to change currency. Sterling, Euro or US Dollars can be exchanged between your accounts. Although our Foreign Exchange rates are commission free, there will be a charge applied for international payments and receipts.
  • No monthly fee


What is Verified by Visa?

Verified by Visa helps ensure that payments are made by the rightful owner of the Visa card, to make online purchases more secure.

How does it work?

When making an online payment using your Santander International Visa card with a retailer that has enabled Verified by Visa;

  • A Verified by Visa message box will appear on screen after you have entered your card details.
  • The screen will ask you to choose whether you would like to receive your One Time Passcode (OTP) by email or mobile phone (if applicable) – see screen example 1.
  • You will then receive your OTP by email or mobile phone.
  • Enter your OTP on the Verified by Visa screen, and click ‘submit’ – see screen example 2.

IMPORTANT: do not share your OTP with anyone else, not even a Santander International employee

Screen example 1 Screen example 2

Do I need to register for Verified by Visa?

No – all of Santander International Visa cards are automatically registered to give our customers an extra layer of protection when shopping online. However, not all online retailers enable Verified by Visa, so you may not have seen or experienced the screens

Do I need to provide Visa with my email address and/or mobile phone number?

No – we will provide the Verified by Visa processor with your email address and mobile phone number that we hold on file for you. This information is sent to them securely in line with our data and privacy policy. Please ensure that this information is up-to-date, otherwise there could be a delay when using your card to shop online.

If the online retailer doesn’t use Verified by Visa, is the payment still secure?

Yes – as long as you have taken every precaution to ensure your card details have not been compromised. Verified by Visa provides an additional layer of protection to online purchases.

How do I know if the Verified by Visa screens are genuine?

  • You will see details of your online purchase on screen shortly after you enter your card details online.
  • You will see the last four digits of your mobile and/or email address.

Please contact us if you have any queries or need help making an online payment.


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