Last reviewed: June 2026 | Source: Santander UK
TL;DR- Santander Online Banking is accessed at santander.co.uk -- the same login details work for both Online Banking and the mobile app.
- New customers must register for Online Banking before using the mobile app for the first time, to verify contact details.
- The Santander mobile app (iOS and Android) supports biometric login (Touch ID / Face ID) and additional features not available in Online Banking.
- Forgotten login details can be reset via the app or through the Online Banking reset journey at santander.co.uk.
- Santander UK is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA (FCA register number 106054).
Key Facts
●Online Banking URL: santander.co.uk
●Mobile app: iOS App Store and Google Play (Android 8+)
●Customer service phone: 0800 389 7000
●FCA registration: 106054
●Registered office: 2 Triton Square, Regent's Place, London NW1 3AN
●Security: 128-bit SSL encryption, OTP, biometric authentication
How to Access Santander Online Banking
Santander Online Banking is accessed through the Santander UK website at santander.co.uk. From the homepage, select the log on option and enter your registration number and password. The same log on details are used for both Online Banking on the website and the Santander mobile app, so there is no need to create separate credentials for each channel.
If you are a new Santander customer and have not yet registered for Online Banking, you will need to complete the registration process at santander.co.uk before using the mobile app for the first time. This first registration step is required to confirm your contact details. Once registered, you can download the mobile app and use your Online Banking credentials to log in.
How to Register for Santander Online Banking
To register for Santander Online Banking, visit santander.co.uk and select the option to register. You will need your account details, the debit card associated with the account, and access to the mobile number registered with Santander for One Time Passcode (OTP) verification. The registration process generates a unique registration number, which along with a password of your choice, forms your log on credentials.
Log on details are posted to the address on the account in some cases, or can be set up immediately online. The registration process typically takes a few minutes. Santander advises against downloading the app from third-party sites -- only download from the official iOS App Store or Google Play Store.
Santander Mobile Banking App
The Santander mobile app is available for iOS (requires a compatible iPhone or iPad) and Android (Android 8 or above required). The app offers several features that are exclusive to mobile, including biometric login using Touch ID or Face ID, mobile cheque deposit, and instant notifications for account activity. The app also supports Apple Pay and Google Pay setup.
The app includes a My Money Manager feature that analyses spending in Santander accounts and provides insights to help customers manage their finances. Open Banking connectivity in the app allows customers to view balances from accounts held at other banks alongside their Santander accounts, without sharing passwords.
The Santander Boosts feature is available through both the app and Online Banking and allows customers to earn cashback at selected retailers, receive vouchers, and access personalised offers based on their spending patterns.
What Can You Do in Santander Online Banking
Santander Online Banking allows customers to view account balances, transaction history, interest rates and any applicable fees. Customers can make payments and transfers, set up, amend or cancel standing orders and Direct Debits, request or download statements, go paperless, and manage their account preferences. Credit card management, including viewing balances and making payments, is also available for eligible Santander credit card holders.
Some features are available only in the mobile app rather than Online Banking, including biometric login, mobile cheque deposit, and certain card management functions. Santander publishes a comparison table on its website showing which features are available in each channel.
How to Reset Forgotten Santander Online Banking Details
If you have forgotten your Santander Online Banking password or registration number, you can reset your details through the app by tapping 'Forgotten details?' on the login screen. This requires your mobile number to be registered with Santander to receive a One Time Passcode. Alternatively, the Online Banking reset journey on santander.co.uk allows customers to recover or reset their credentials. In both cases, you will need access to the phone number registered on your account.
If you no longer have access to your registered phone number, contact Santander customer services on 0800 389 7000. Calls may be recorded or monitored.
Santander Online Banking Security
Santander Online Banking and the mobile app use 128-bit SSL (Secure Socket Layer) encryption to protect data in transit. Log on details are unique to each customer. For certain transactions, including payments to new payees, Santander applies Strong Customer Authentication (SCA) under the Payment Services Regulations 2017, requiring a One Time Passcode sent to the registered mobile number or approval via the mobile app. Biometric authentication (Touch ID or Face ID) is available as an alternative login method on compatible devices.
Santander will never ask customers to move money to a 'safe account', share full passwords or PINs, or approve payments they did not initiate. Any contact claiming to be from Santander and requesting these actions should be treated as a potential fraud attempt and reported to Santander directly.
Santander Business Online Banking
Santander offers a separate Online Banking service for business customers, accessed through Santander Connect. This is a different system from the personal Online Banking platform and uses the Santander Connect app for authentication. The Santander Connect service is designed for businesses and includes payment approval workflows, multi-user access, and integration with accounting software. Business customers should use the Santander Connect app rather than the personal mobile banking app.
Frequently Asked Questions
How do I log in to Santander Online Banking?
Go to santander.co.uk and select the log on option. Enter your registration number and password. The same credentials work for both the website and the mobile app. If you have not registered before, complete the registration process on the website first.
Can I use the Santander app without registering for Online Banking?
No. You must register for Online Banking at santander.co.uk before using the mobile app for the first time. Registration confirms your contact details and sets up your log on credentials, which are then used to access both Online Banking and the app.
What do I do if I have forgotten my Santander Online Banking details?
Tap 'Forgotten details?' on the app login screen, or use the reset details journey at santander.co.uk. Both methods require access to your registered mobile number to receive a One Time Passcode. If you no longer have access to your registered number, call Santander on 0800 389 7000.
Is Santander Online Banking safe?
Santander uses 128-bit SSL encryption, biometric login options, and Strong Customer Authentication for high-risk transactions including payments to new payees. Santander is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. As with all online banking, customers should access the service only via the official website or app and never share their full password or PIN with anyone.
