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Making a complaint

We place great importance on providing the highest standards of service to our customers. However, we recognise that occasionally we do make mistakes and when we do, we would like you to tell us so we have the opportunity to put things right. We always take complaints seriously and we aim to get your complaint resolved as quickly as possible by staff with the right experience, knowledge and authority. As well as learning from complaints, we welcome any ideas or suggestions you may have to improve the service and products we offer.

The best way for us to understand and resolve your complaint is for you to call us, as we can resolve most complaints while you’re on the phone.

Call us on 08000 84 28 88, if calling from a UK landline or mobile, or +44 (0)1534 885 000, if calling from overseas. Lines are open from 9am – 5pm UK time, Monday to Friday (except Tuesday when we open slightly later at 9.30am). Calls may be recorded or monitored.


Write to us at:

Isle Of Man Jersey
Santander International
PO Box 123
19/21 Prospect Hill
Isle of Man, IM99 1ZZ
British Isles
Santander International
PO Box 545
19-21 Commercial Street
St Helier
Jersey, JE4 8XG
Channel Islands


Send an email to Do not include your account details as we cannot ensure information communicated by email is safe.


What information do we need from you and why?

Please provide us with as much information as possible when making your complaint. This will help us to understand the issue and resolve it quickly. Please include:

  • Your name and address
  • Your account details
  • A description of your complaint and how you have been affected
  • When your issue happened
  • A contact number (or other preferred method of contact) and a convenient time to contact you.

Why do we need this information?

  • We want to be able to understand what has gone wrong. It is really important that your complaint reaches the right person, who can investigate and fix the situation to get you back to the position you would have been in had the issue not occurred.
  • Your contact details will help us to get hold of you should we need to discuss your complaint, especially if we need any further information. Remember, calls from us may appear as unknown or withheld numbers.

What we'll do next

We promise to do everything we can to resolve your complaint as soon as we receive it.

For more complex issues we may need more time to investigate your concerns. If this is the case, we'll send you an acknowledgement letter outlining the next steps and when you can expect to hear from us.

We'll keep you updated of the progress throughout our investigation. We may also need to contact you for more information and where possible, we will use your preferred method of contact. We will then issue you with a final response which will outline the details of our investigation, how we reached our decision and what we are going to do to put things right.

Using a solicitor, claims management company or third party

If you employ a solicitor, claims management company or third party, e.g. a financial advisor , to handle your complaint, we'll investigate your complaint in the same way as when we deal with you directly. Please be aware that:

  • We don't charge to investigate your complaint
  • We're not liable for any fees you need to pay for a third party's services
  • If we agree with your complaint and we make a redress payment, we'll generally only make this payment directly to you.

If you are not satisfied

If you are unhappy with our response, or you are not satisfied with our action or our resolution, you can ask for your complaint to be reviewed at a higher level by our nominated internal arbitrator; just let us know.

The internal arbitrator will independently review your case file and reply within ten business days of the date we receive your query. If the investigation is likely to take more time, we will keep you informed of the progress we are making.

The internal arbitrator will advise you of their decision, clearly setting out in writing their position with regard to your complaint. Should you remain unhappy with the response, you can contact the Financial Ombudsman to request them to review your case if you feel it appropriate.

The Financial Ombudsman will only consider complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted.

If your account is located (situs) in Jersey, please contact:

Channel Islands Financial Ombudsman
PO Box 114
St Helier
Jersey, JE4 9QG
Channel Islands

Tel: +44(0)1534 748 610


If your account is located (situs) in the Isle of Man, please contact:

The Financial Services Ombudsman Scheme
Isle of Man Office of Fair Trading
Thie Slieau Whallian
Foxdale Road, St John’s
Isle of Man, IM4 3AS
British Isles

Tel: +44(0)1624 686 500