+£75
Stocks & Shares ISA17 mins
SantanderStocks & Shares ISA
£75 Free Cash•17 mins
£75 Free Cash
+£75What is Santander?
Santander is one of the UK's biggest high street banks, with over 14 million customers. They offer a range of current accounts, savings accounts, and mortgages.
The Santander Investment Hub is their online investment platform, offering Stocks and Shares ISAs, general investment accounts, and pension products. It charges 0.35% annually on the first £50,000 invested.
Launched
2010
Customers
14m+
Google Play
4.7 (354k)
★★★★★★
Key Terms
Profit
+£75
Deposit£100
Cashback arrives4 months
Eligibility: New and existing Santander customers. Must be your first Stocks and Shares ISA with Santander.
Step by Step Guide
Chris's overview
Optional·1 min read
This is £50 cashback for opening a Santander Stocks and Shares ISA via TopCashback and investing £100. It’s an investment offer, not a savings account — so your £100 goes into a fund and can go up or down slightly.
The process: click through TopCashback, open a Stocks and Shares ISA on the Santander Investment Hub, pick a fund, and invest £100 as a lump sum. You must choose a fund in the same session as opening the ISA — don’t close the browser between the two steps.
1
Sign up via TopCashback
10 mins
- Click the button below to go via TopCashback
- Click through to Santander and open a Stocks and Shares ISA on the Investment Hub
- Complete your application and verify your identity
- Important: you must invest in a fund in the same session — don’t close the browser yet
Don’t close the page until you’ve completed Step 2.
2
Invest £100 in a fund
5 mins
- Choose a fund to invest in
- Invest a £100 lump sum
- Let the confirmation page fully load before closing your browser
Your £100 is invested in the fund you choose, so its value can go up or down slightly. You need to keep it invested for at least 90 days.
3
Receive £75 cashback120d
2 mins
£75 cashback confirmed within 30 days following the 90 day investment period.
- Keep your investment for at least 90 days — withdrawing early voids the cashback
- TopCashback should then confirm your cashback within around 30 days, for a total wait of around 120 days
We’d recommend keeping your investment in place until your cashback is confirmed and paid out, just to be safe.
Offer Complete
Done? Tick off each step above to see your total.
Santander Full Review
Completed the offer? Awesome! Here's our full review on why Santander could work well for you going forward.
Santander UK is one of Britain's largest high street banks, serving over 14 million customers. Originally operating as Abbey National, it was acquired by Santander Group in 2004 and rebranded in 2010. They offer current accounts, savings, mortgages, and credit cards through branches across the UK.
Is Santander safe?
Yes, Santander UK is authorised by the Prudential Regulation Authority (PRA) and regulated by both the PRA and the Financial Conduct Authority (FCA). Your deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
As one of the UK's largest banks, Santander is subject to stringent regulatory oversight and capital requirements.
Who is Santander for?
Santander suits customers who want a traditional high street bank with an extensive branch network for in-person banking. Their 1|2|3 World cashback rewards can be valuable if you have regular household bills.
The Everyday Current Account is completely free with no monthly fees, making it ideal for those doing bank switches who don't need premium features.
Top 5 Santander Features
1
1|2|3 Cashback
Earn up to 3% cashback on household bills with their rewards accounts.
2
Branch Network
Over 400 UK branches for in-person banking when you need it.
3
Mobile Banking App
A well-rated app for managing accounts, payments, and tracking spending.
4
Linked Savings Rates
Competitive rates on savings accounts linked to your current account.
5
Current Account Switch Service
Easy switching with CASS – all your payments, Direct Debits, and salary move automatically within 7 working days.
Pros and Cons
Pros
- ✓Strong branch presence across the UK
- ✓Everyday Current Account is completely free
- ✓1|2|3 cashback on bills can be valuable
- ✓Good mobile app ratings
- ✓FSCS protected up to £120,000
Cons
- ✗Premium accounts have monthly fees
- ✗Cashback has caps and conditions
- ✗£180 bonus takes ~90 days to arrive
- ✗Eligibility restrictions on switching bonuses
Chris's Verdict
Santander is a solid choice if you value branch access alongside digital banking. The £180 switch bonus is generous – one of the best on the market – though the ~90 day wait is longer than some competitors.
Go for the Everyday Current Account (completely free) rather than the paid accounts. The criteria is straightforward: pay in £1,500 and keep 2 household Direct Debits active. No card transactions required, making this an easy one to tick off your list.
Savings accounts: if Santander's rates are competitive, keep your money there. If not, withdraw and move your savings elsewhere — the Easy Access Saver has no penalties for withdrawals.
