About Santander International

We offer banking and savings accounts to Channel Island and Isle of Man residents, UK residents, UK expatriates, foreign expatriates and international customers. We also offer mortgages on Jersey and Isle of Man properties.

Jersey and the Isle of Man

We have branches in Jersey and the Isle of Man providing island residents and international customers with a friendly, professional service for their banking needs.

Jersey and the Isle of Man are leading international financial centres – they are well established and politically stable, renowned internationally for their high standards of regulation.

They offer the following benefits:

• Independent and stable jurisdictions - both Jersey and the Isle of Man maintain a unique constitutional relationship with the British Crown. Although not part of the United Kingdom or represented in the UK Parliament, both islands maintain close ties with the UK and frequently act as gateways to its economy. Their enduring political stability continues to inspire confidence among international clients.
• Tax neutral environment  - Jersey and the Isle of Man provide a clear and efficient fiscal framework where investment structures typically do not attract local taxes. Investors are generally taxed in their country of residence, helping to reduce cross-border tax complexity and mitigate the risk of double taxation.
• Strong regulatory frameworks  - both jurisdictions are internationally recognised for their high standards of regulation. The Jersey branch is regulated by the Jersey Financial Services Commission, and the Isle of Man branch by the Isle of Man Financial Services Authority, ensuring transparency and clarity for clients.
• World class legislation - Jersey and the Isle of Man uphold robust legal standards, particularly in areas such as anti-money laundering and global tax transparency, supporting a culture of compliance and integrity
• Depositor protection - both islands safeguard deposits for up to £50,000 (or currency equivalent) per person. The maximum of the Jersey Depositors Compensation Scheme is capped at £100m in any 5 year period
• Account location (situs) – all accounts are opened and located in (also referred to as situs) the Isle of Man, unless the customer is resident in Jersey, in which case their accounts will have situs in Jersey

To find out more about Jersey as an international finance centre, please visit the Jersey Finance website. To find out more about the Isle of Man as an international finance centre, please visit the Finance Isle of Man website.

Our global customer base

Santander International offers banking and savings accounts to UK residents, UK expatriates, foreign expatriates and international customers with international banking needs. We also offer corporate and institutional banking, commercial banking and business banking to trading entities domiciled in or managed from, the Channel Islands and Isle of Man.

Accounts can be opened remotely and within days, subject to all relevant information and documentation being provided.

We offer a range of deposit accounts specifically designed for regulated external asset managers to support the cash management needs of their clients.

We serve clients seeking banking services in jurisdictions that offer tax neutrality, political stability, and freedom from foreign exchange or capital controls.

Our Sterling accounts are integrated with the UK Bankers Automated Clearing System (BACS), enabling efficient handling of UK-focused banking requirements, including same-day Sterling payments.

Our team of professionals are committed to delivering a consistently high level of professional banking service which is matched to customers’ individual requirements. If customers have a total balance in excess of £500,000 (or currency equivalent) or a mortgage in excess of £750,000 with us, they will receive a tailored service from a dedicated professional

Strength of Santander Financial Services plc

Stability, financial strength and personal service are the pillars of our international banking proposition.

Santander UK's structure is shown below:

Santander UK plc (ring-fenced bank) and Santander Financial Services plc (non-ring fenced bank) are both wholly owned subsidiaries of Santander UK Group Holdings plc. Santander UK Group Holdings plc is a wholly owned subsidiary of Banco Santander SA.

Long term credit ratings

We regularly review the Jersey and Isle of Man sovereign ratings and the long term credit ratings of Santander Financial Services plc and our peer group who have operations in the Crown Dependencies.