Training Example: Santander UK – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H2] Ready to buy your first place?
Buying your first home is exciting but can be a little scary. Our First Time Buyer Hub can help you plan and be ready. We’re here to help at every step.Take a look
[H2] Saving for your first home?
Our First Home Saver helps you get there. And every month to the end of the year, one saver wins £10k that could be used towards their deposit. T&Cs apply.Your chance to win
[H2] Get £180 when you switch your current account to us
Complete the full switch within 60 days, set up 2 household Direct Debits and pay in £1,500. T&CS and exclusions apply.Switch today
[H2] Support for Personal customers
[H3] Love where you live? Protect it.
Get a home insurance quote in minutes. No extra cost to pay monthly or make changes to your cover, plus a UK based 24/7 claims team.Administered and underwritten by Aviva Insurance Limited.
[H3] Safe in your hands
Dive into the new features of our award-winning app. It's quick, easy and above all, secure.
[H3] Help when you need it
If you're dealing with rising energy costs, need tips on budgeting, have missed a payment or struggling to keep up, we're here to help. Access to cashFind out how you can access cash in your local area
[H2] Financial support
[H2] Products
[H2] Customer support
[H2] Independent service quality survey results
[H3] Personal current accounts (GB)
Published February 2026As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.Take a look at the latest published results
[IMG: Overall service quality scores from customers in Great Britain who were asked how likely they]
[H3] Personal current accounts (NI)
Published February 2026As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 12 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.Take a look at the latest published results
[IMG: Overall service quality scores from customers in Northern Ireland who were asked how likely they]
As part of a separate regulatory requirement, we have also published the Financial Conduct Authority service quality information for personal current accounts.
[H2] Authorised push payment (APP) fraud rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Santander’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Report published in February 2026.

[H3] Looking for support with your mortgage payments?​
Visit our Cost of living page to see what help we can offer.If money is a bit of a struggle for you at the moment, you’re not alone. We know talking about your finances isn’t easy, and we’re here to help.
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[H2] Find help in the Financial Support Hub
In our Financial Support Hub you can:check the amount of money that you owesee how to make a paymentset up or view your planIn our app, go to Help centre and tap Financial support.
[H3] Financial Support Hub
See how you can view your overdue amount, make a payment or set a plan in our Mobile Banking app Financial Support Hub
[H3] Financial health check
Our free tool gives you personalised tips to improve your financial health Health check
[H3] Benefits Calculator
Check you're getting all the benefits you’re entitled to Benefits Calculator
[H3] Ways to cut your spending
Get the most out of your money with our tips on your spending Take a look
[H3] Pay an overdue amount
Understand how to make a payment or get help from us Get started
[H3] Independent help & support
Speak to one of our partners to see if they can give you a helping hand Tell me more
[IMG: ¨¨]
[H3] Need our help?
The easiest way to manage an overdue amount is in the Financial Support Hub in our mobile app. Not got our app yet?We understand that debt can be difficult to talk about. We’re here to support you and can help to get you back on track.Get in touch
[H2] Other ways we may be able to help
Support with your bankingTurn2us Benefits CalculatorFinancial Support HubRising energy costs: what you can doOverdrafts repeat useWorking with PayPlanOverdraft cost calculatorCost of living support

[H2] What type of account would you like?
Easy access – Access my money whenever I want Limited access – Withdraw up to a set number of times to get a higher rateFixed term – Lock my money away for a fixed term
[H2] Fixed Rate ISAs
Put money away for a fixed term4.00% to 4.10% AER/tax-free (fixed), depending on the term.Minimum opening deposit of £500, the maximum balance at any time is £2 million. No partial withdrawals allowed.There’s a charge equivalent to 120 days' interest if you close the account early.About Fixed Rate ISAs
[H2] Easy Access ISA
Instant access to your money2.00% AER/tax-free (variable) for 12 months.Minimum opening deposit of £500, the maximum account balance at any time is £2 million. Interest applies to balances from £1.About Easy Access ISA
[H2] Easy Access Saver
Savings account with instant, penalty-free access2.00% AER/gross (variable) for 12 months.Save from £1 up to £2 million. About Easy Access SaverLog on and apply now
[H2] Limited Access Saver
Get a higher interest rate in calendar months where you make 2 or fewer withdrawals2.50% AER/2.47% gross (variable) in calendar months where you make 2 or fewer withdrawals.1.00% AER/gross (variable) in calendar months where you make 3 or more withdrawals.The term of the Limited Access Saver is 12 months.Minimum opening deposit of £1, the maximum balance at any time is £2 million.About Limited Access Saver
[H2] Regular Saver
Online regular savings funded from your Santander current accounts5.00% AER/gross (fixed) for 12 months.Save up to £200 a month paid by standing order from your Santander current account.Manage your account in Mobile and Online Banking.About Regular SaverLog on and apply now
[H2] Santander Edge® saver
Online savings account exclusive for Santander Edge® and Santander Edge® Explorer current account customers6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.50% AER (variable) bonus rate for the first 12 months from opening).Minimum opening deposit of £1.Manage your account in Mobile and Online Banking.About Santander Edge saverLog on and apply now
[H2] Fixed Term Saver
Lock your money away for a fixed term3.70% to 4.10% AER/gross (fixed) depending on the term.Minimum opening deposit of £500, the maximum balance at any time is £2 million.No additional deposits, withdrawals or account closures allowed.About Fixed Term Saver
[H2] Santander Select customer?
You can get our Select Easy Access Saver, paying 2.50% AER/gross (variable) for 12 months.To join, you’ll need a Santander current account and one of the following.Pay at least £5,000 a month into your current account.Hold £75,000 in any savings, investment or current account with us.About Select Easy Access SaverAbout Santander Select
[H2] First Home Saver
Our First Home Saver is there to help you make progress when saving for your first home.4.00% AER/3.93% gross (variable) in calendar months where you take money out 2 times or less.1.00% AER/gross (variable) in calendar months where you take money out 3 times or more.24 month term.You’ll need to pay in at least £1 when you open it.Plus your chance to win £10,000. Each month from May to December 2026, we’re giving £10,000 to 1 lucky person who has a First Home Saver with us. Every £100 increase in your balance that month equals 1 entry. Aged 18+. T&Cs apply About First Home Saver
[H2] Junior ISA
Encourage saving from a young age2.70% AER/tax-free (variable).No withdrawals or closures are allowed until the account matures on the child’s 18th birthday.No minimum deposit, the maximum balance at any time is £2 million.Junior ISA transfers between providers are allowed at any time. About Junior ISA
[H2] Inheritance ISA
For a surviving spouse or civil partner to benefit from an additional ISA allowance2.45% AER/tax-free (variable).No minimum deposit, the maximum balance at any time is £2 million.You are the spouse or civil partner of Individual Savings Accounts (ISAs) savers who died on or after 3 December 2014.You will benefit from an additional ISA allowance known as an Additional Permitted Subscription (APS). About Inheritance ISAThe favourable tax treatment of ISAs may change in the future and is subject to individual circumstances.
[H2] Consider how to grow your money
Use our calculator to find out how your money could grow over timeLet's go
[H3] Take advantage of tax-efficient investing
An Investment (Stocks and Shares) ISA is one of the UK’s most popular ways to invest, making your savings working harder.Start investing with as little as £20 a month Capital is at risk and tax rules may change. Fees apply.Investment (Stocks and Shares) ISAHelpful savings hints and tips Hints and tips

[H2] Personal loan calculator
The interest we charge varies between loan amounts. The amount you want to borrow may be close to one of the points where the APR (annual percentage rate) goes up or down. You might be able to reduce your monthly repayments, and total amount payable by slightly adjusting the amount you borrow.The calculator is for illustrative purposes only. Your personal circumstances and the loan amount might affect the rate we offer. The maximum APR we could offer is 29.9%. You should make sure you’re able to make the repayments over the full term of the loan. We reserve the right to refuse any application. Information and rates correct as at 11/06/2026.
[H4] To apply for a loan
You must be aged 21 or over.You must have a regular yearly income of £10,500+ for loans up to £19,999, or £20,000+ for loans between £20,000 and £25,000.You must be employed, self-employed or retired.You must live permanently in the UK.You must have a good credit record and not been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status.
[H4] Eligibility checker
Before you apply, we'll check your chances of being approved for a loan. This check will not impact your ability to get credit elsewhere. You can then decide if you want to apply.If you have Experian CreditLock or similar with another credit reference agency you'll need to switch it off before you apply.Once you submit your application, we'll do a credit check on you. This will leave a mark on your credit file which will remain for 12 months. Typically get a decision within 5 minutes Check your eligibility and apply
[H2] What you can get
[H3] Rates
Rates from 6.4% APR representative on loans from £7,500 to £25,000
[H3] Overpayments
Overpay at no extra costThe APR (annual percentage rate) is the total cost of your borrowing for a year shown as a percentage. It includes interest and other standard fees you’ll have to pay. The APR you’ll get will vary depending on how much you want to borrow and your personal circumstances.A representative APR is the rate that we must give at least 51% of customers who are accepted and take out the advertised loan.
[H3] Range
Range of personal loans from £1,000 to £25,000
[H3] Repayments
Repay over 1-5 years
[H2] What could I use a loan for?
Buying a car Home improvements  Special occasions Consolidating debtWe are unable to lend for certain purposes. Take a look at our Key Facts Document (PDF - 179 KB) for more information.
[H3] Loan rates
[H4] Range of loan rates
This table shows the rates that you may get if you apply for certain loan amounts. The rate we offer you depends on your personal circumstances. The maximum APR we could offer you on any loan amount is 29.9%. New and existing Santander customers£1,000-£2,99911.5%£3,000-£4,9999.2%£5,000-£7,4997.5%£7,500-£15,0006.4%£15,001-£20,0006.4%£20,001-£25,0006.4%
[H3] What happens when I apply?
[H4] Check to see if you’re eligible
Using our checker will give you an idea of whether we’ll accept you for a loan. It won’t leave a record on your credit file. This only happens when you apply. Using our checker won’t impact you getting credit somewhere else. Using our checker does not commit you to making a full application.We will look at your ability to afford the loan and credit reference information. If our checker states that you might not be able to get a loan, you might want to check our criteria again and check your credit file. You can do this by contacting Experian, Equifax and TransUnion.If the details you entered into the checker have changed or were incorrect, call us on 0800 876 6386 and we will review the outcome.
[H4] Apply online between 6.30am - 11.30pm
You'll usually receive an accept, decline or refer decision by email within 5 minutes.
[H4] Apply online between 11.30pm - 6.30am
You'll receive an email with a decision by 7.30am.
[H4] Receiving a 'refer' decision
This means that we need our underwriting team to look at your application and we may need more information from you. You'll receive an accept or decline email within 2 working days of the additional information being provided.
[H4] If your application is accepted
You'll receive a further email with details of how to sign your loan agreement online.
[H4] Your loan code
Once your application is accepted we'll send you a code by first class post. You'll need to enter it online to release your loan funds
[H4] Receiving your loan
Once released, your loan funds will be in your chosen bank account within 2 working days.If additional checks are needed this could take longer.If you need your funds quicker and you’ve had a current account with us for at least 60 daysApply in branch and if your application is accepted, you could get your money instantly.Apply over the phone and we’ll guide you through your loan application and give you a decision. You could get your loan paid into your account the next working day. In most cases, you won’t need to return any paperwork.
[H3] Details of your loan
[H4] Key documents
Personal Loans Key Facts Document (PDF - 179 KB)Terms & Conditions and Important Information (PDF - 333 KB)To view these documents, you may need to download Adobe Reader
[H4] Repayments
Your loan repayments will be taken by Direct Debit each month. When you apply for a loan, you’ll be asked to choose a repayment date between the 1st and the 28th of the month. Your monthly repayment amount is fixed and won’t change during your loan. To change your repayment date, call us on 0800 876 6386. Changing your repayment date could mean that 2 repayments are taken within a 30-day period.
[H4] Annual loan statement
Every year on the date you opened your loan, you’ll be sent a statement confirming details of the repayments you’ve made.
[H4] Early repayment
You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full. You can find out how to do this in your agreement.
[H4] Online and Mobile Banking
You can see information about your Personal Loan in both Online and Mobile Banking. If you’ve never used it before, you’ll need to sign up first.Find out more about Online BankingFind out more about Mobile Banking
[H3] Existing loan customers
[H4] Top up your loan
If you want to borrow more you can top up your loan. In this case your new loan will pay off your existing loan and you will continue to make one monthly repayment. You can only arrange this in branch or over the phone by calling us on 0800 028 4055.
[H4] Take another loan
You don’t have to pay off your loan to borrow more. You can keep your original loan and take out a second one, in this case you will have two separate loan repayments to make.
[H4] Early repayment
You can repay your loan in full or make overpayments any time before the final payment is due. Take a look at our repaying your loan early page to find out more.
[H4] Settlement figure
To find out the amount needed to repay your loan in full (we sometimes call this your ‘settlement figure’), call us on 0800 028 4055. We’ll send you a breakdown including any charges that will apply because you’re paying off your loan early.
[H4] Payment holidays
We don’t offer payment holidays for our loans. If you’re having problems with making repayments and feel you’re falling behind, we’ll do our best to help you get back on track. Get in touch, and our trained financial care specialists will discuss your options with you.
[H4] Have your borrowing needs changed?
Please speak to us in branch or call us on 0800 028 4055 as we can assess your borrowing needs and may be able to find a solution for you.
[H4] Online Banking
If you have a loan with us and nothing else, you may not have Online Banking. If you’d like to get Online Banking so you can manage your loan online, call us on 0800 028 4055 and we’ll help you set this up.
[H3] Money worries
We'll do our best to help you if you think you might be having financial problems.
[H3] Borrowing options
View other options, such as overdrafts, credit cards, or loans for our mortgage customers.
[H3] Got a loan question?
Loans support
[H3] Send us a tweet
Please don't tweet your personal or banking details@SantanderUKHelp