Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom
In the full report: 3 background checks
When santander.co.uk first appeared online, and whether it can receive email
What kind of line 0330 912 3123 is, and the other firm that gives it
Who else gives the postcode NW1 3AN
Other names(9)
If you were contacted under any of these names, it is this firm.
Cahoot Trading name: A name it trades under now.
Santander Business Trading name: A name it trades under now.
Santander Corporate & Commercial Trading name: A name it trades under now.
Abbey National Plc Former name: A name it was registered under before.
Bradford and Bingley Former trading name: A name it used to trade under.
Santander Corporate Former trading name: A name it used to trade under.
Santander Corporate and Commercial Bank (SCCB) Former trading name: A name it used to trade under.
Santander Corporate & Investment Banking Former trading name: A name it used to trade under.
Santander Global Corporate Banking Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact
information to appear genuine. Check whatever you were given below, and
against the firm's real details above.
Arranging safeguarding and administration of assets
Assisting in the administration and performance of a contract of insurance
Causing dematerialised instructions to be sent
Credit Broking
Dealing in investments as agent
Dealing in investments as principal
Debt Administration
Debt-collecting
Debt-counselling
Entering into a regulated mortgage contract as lender
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Establishing/operating/winding up a personal pension scheme
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Providing Credit Information Services
Safeguarding and administration of assets (without arranging)
Sending dematerialised instructions
Limits on what they may do
RFB Sub-group
TO: Santander UK Plc (FRN 106054) Cater Allen Limited (FRN 178737) OF: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom TAKE NOTICE: The Prudential Regulation Authority of 20 Moorgate, London, EC2R 6DA has decided to take the following action. 1. ACTION Following an application received from each firm pursuant to section 55M(5)(a) of FSMA for the imposition of the requirements, the PRA has decided to grant the application. 2. CONSTITUTION OF THE RFB SUB-GROUP The sub-consolidation group comprises the entities within the scope of consolidation referred to in paragraph 3(a) of this notice. 3. REQUIREMENTS UNDER S. 55M FSMA (a) Pursuant to Article 11(6) of the CRR, each firm must comply with Parts Two and Three of CRR, and CRD UK law which implemented Title 7, Chapter 4 of CRD on the basis of the consolidated situation of Santander UK Plc. (b) Each firm must immediately notify the PRA of: (i) any change proposed by the firm to the composition of the sub-consolidation group; (ii) any sub-consolidation group member carrying on or intending to carry on a new activity or materially changing the nature or extent of an existing activity which, if the entity were a ring-fenced body, would be an excluded activity under section 142D of FSMA and the Excluded Activities Order or would contravene a prohibition under section 142E of FSMA and the Excluded Activities Order; (iii) any failure to meet the requirements; or (iv) any change in circumstances likely to affect the ability of the firm to meet the requirements. (c) Each firm must be capable of demonstrating to the PRA that the requirements are met. 4. INTERPRETATION Interpretative provisions (including definitions in the Glossary) of the PRA Rulebook apply to the requirements. 5. EFFECTIVE DATE This written notice takes effect from 1 January 2024 and ceases to have effect on 1 September 2028. 6. DECISION-MAKER The decision to give this notice was made by Anna Ghobadian-Grinham on behalf of the PRA. This application has been granted in consultation with the FCA. This notice will be published on the Financial Services Register. ANNEX Definitions Excluded Activities Order means the Financial Services and Markets Act 2000 (Excluded and Prohibited Activities) Order 2014. firm means each of Santander UK Plc and Cater Allen Limited. requirements mean the requirements in paragraph 3 of this notice.
FCA disciplinary action and Ombudsman complaints
FCA action
fines
6
in fines
£49.5m
most recent
December 2022
Fined on 9 December 2022
Breach of Principle 3 (systems and controls) by Santander UK Plc relating to the establishment and maintenance of effective AML systems and controls.
Fined £32.82m on 19 December 2018
The FCA has fined Santander UK plc. The reason for this action is because Santander UK plc breached Principle 3 (management and control) and Principle 6 (customers’ interests) between 1 January 2013 and 11 July 2016 and Principle 11 (relations with regulators) between 26 November 2013 and 1 May 2015. As a consequence of this action, Santander UK plc has been fined £32,817,800 pursuant to section 206 of the Financial Services and Markets Act 2000. The FCA’s action took effect on 19 December 2018 and a copy of the Final Notice is displayed on the FCA's website.
Fined £12.38m on 26 March 2014
On 24 March 2014 the Authority imposed a financial penalty of £12,377,800 on Santander UK plc (Santander) for breaches of principles 7 (Communications with clients) and 9 (Customers: relationships of trust) of the Authority's Principles for Businesses (the Principles) and associated Rules in the Conduct of Business Sourcebook (COBS). Santander agreed to settle at an early stage of the Authority's investigation. Santander qualified for a 30% (Stage 1) discount under the Authority's executive settlement procedures. Were it not for this discount, the Authority would have imposed a financial penalty of £17,682,730 on Santander. Santander breached Principle 7: a) during the period 1 January 2010 to 31 December 2012 by failing to ensure that during the investment sales process appropriate disclosure about Santander, its products and services was provided to customers and that its communications with customers were fair, clear and not misleading; and b) during the period 1 April 2004 to 31 December 2012 by failing to ensure that certain of its financial promotions and communications in relation to its Premium Investments were fair, clear and not misleading. Santander,breached Principle 9 during the period 1 January 2010 to 31 December 2012 by failing to ensure that: a) it had an adequate process in place to ensure that its advisers gathered and took into account all information that was necessary to establish the suitability of investment recommendations; b) it had an adequate process in place for establishing the level of risk its customers were willing and able to take; c) customers received adequate explanations of why investment recommendations were suitable for them; d) there was an adequate process in place, in relation to its Premium Investments, to ensure that regular reviews were carried out to check that investments still met customers' needs; e) it had implemented adequate procedures for monitoring the quality of investment advice and remedial action taken where advice had been found to be unsuitable or unclear; and f) new advisors received adequate training before they started to give advice to customers. A copy of the Final Notice is displayed on the Authority's web site and can be accessed.
A bigger firm gets more complaints simply because it has more customers.
Customer compensation schemes
The FCA has ordered this firm to review past sales and pay back customers who lost out.
January 2015To address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and…
August 2013Following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies.
The FCA's wording
Amendment to a consumer redress exercise
The Requirements became effective on 27 January 2015 and were supplemented on 15 May 2015. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.33 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement in Annex 1 hereto. Changes to the Scheme of Arrangement originally appended to the Requirements are highlighted through underlined or struck through text. Paragraph 5.1 of Part 3 of Annex B of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.6 and 4.9 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 15 November 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.8 to 4.10 of the Scheme Document.
Amendment to a consumer redress exercise
The Requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 as sanctioned by the Court on 14 January 2014 (as subsequently modified in accordance with its terms) and as described more particularly in Annex 1 to this Supplemental Requirement. Changes to the Scheme of Arrangement as appended to Part 1 of Annex C to the Requirements are highlighted through underlined or struck through text. All references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement described more particularly in Annex 1 hereto. Paragraph 5.1 of Part 3 of Annex C of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.5 and 4.8 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 22 July 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.7 to 4.9 of the Scheme Document.
Amendment to a consumer redress exercise
Supplemental Requirements 6. The Requirements shall be supplemented as follows: 6.1 A new paragraph 1.21(A) be inserted as follows: 'Extreme Distressed Suppression Population' means Scheme Creditors in respect of whom Schemeco and/or the Scheme Administrators receive a direct communication, in writing or otherwise, from: 1.21(A).1 that Scheme Creditor expressly requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement; or 1.21(A).2 a third party on behalf of a Scheme Creditor stating that the Scheme Creditor is deceased and requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement (provided that the Scheme Administrators are reasonably satisfied that the third party is authorised by law to make such a request on behalf of the Scheme Creditor), and in each case the Scheme Administrators reasonably determine at their discretion on the information available to them that the sending of further communications in connection with the Scheme to the Scheme Creditor will or will be reasonably likely to cause distress or harm.. 6.2 The definition of 'Scheme of Arrangement' at paragraph 1.33 shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to Scheme Document shall be references to the scheme of arrangement in Annex 1 hereto. Scheme Claims Decisioning Procedures 7. The requirements set out in Annex B to the Requirements be supplemented by inserting a new paragraph 5.2 at Part 3 of Annex B as follows: 5.2 Certain time limits apply where Scheme Creditors wish to initiate the Dispute Resolution Procedure or (as part of the Dispute Resolution Procedure) to refer a dispute to the Scheme Adjudicator. These are set out in Clauses 4.6, 4.8, 4.9 and 7.1 of the Scheme of Arrangement.
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies. 'Policies' (or 'policy') means CPPL's Card Protection Product, where the sale (or renewal) was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation); and/or CPPL's Identity Protection Product, where the sale (or renewal) was on or after 14 January 2005 and the sale was by telephone. The amount of redress may be calculated to off-set any claims made under the policy. This customer redress scheme must be implemented no later than 30 April 2014. Such consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are available on the FCA website: www.fca.org.uk
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme scheme to address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation). For full terms see the scheme documentation: www.aischeme.co.uk. The amount of redress may be calculated to off-set any insurance claims made under the Card Security Products. This consumer redress scheme must be implemented no later than 31 October 2015. This consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are also available on the FCA website: www.fca.org.uk/affinion-scheme.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
39
closed down
12
are FCA-registered
10
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 39 companies, named
What each company does, and whether it is still trading
Which of these 13 directors sit on each board, and since when
Any that went into liquidation or administration
The 10 on the FCA register, including one no longer authorised
The 3 companies these 13 directors run together
All 104 people who have ever been directors, with their dates
Key dates in its history
Santander UK’s history from the FCA register and Companies House, newest first.
FCA warned the public about a scam impersonating this firm
FCA warning list
2022
9 December 2022
Fined by the FCA
FCA register
2018
19 December 2018
Fined £32.82m by the FCA
FCA register
2016
6 April 2016
Santander UK Group Holdings PLC took control (75–100% of shares)
Companies House
2015
27 January 2015
FCA ordered a customer compensation scheme
FCA register
2014
26 March 2014
Fined £12.38m by the FCA
FCA register
2013
22 August 2013
FCA ordered a customer compensation scheme
FCA register
1 April 2013
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA register
2003
15 September 2003
Changed its registered name from "Abbey National Plc"
FCA register
2001
1 December 2001
Regulated by the Financial Services Authority from this date
Became authorised by the FCA
FCA register · Companies House
1995
9 January 1995
Regulated by the Personal Investment Authority from this date
FCA register
1988
12 September 1988
Incorporated at Companies House
Companies House
In the full report: all 218 events
All 218 events in its history (15 shown here)
Every director appointment and resignation: 185
Firms connected to Santander UK
Other FCA-listed firms that share a director, phone number or address with Santander UK. A link shows who the firm is tied to, not whether either can be trusted.
connected firms
6
share a director
5
share its phone number
1
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: all 6 connected firms, named
How each is linked: shared directors (5), the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates
5 past links through former directors
Firms like Santander UK
Other firms of the same type (bank or building society), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Santander UK
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
39 other companies its directors have run, named
3 background checks on its contact details
All 218 events in its history
6 connected firms, named, and who links them
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FirmSearch Report
Santander UK PLC
Reference 106054 23 October 2026
Frequently asked questions about this firm
Is Santander UK PLC FCA authorised?
Yes, Santander UK PLC (FRN 106054) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a bank or building society. The FCA has placed a limit on what it may do.
What is Santander UK’s phone number and website?
The FCA register lists the phone number 0330 912 3123 and the website santander.co.uk for Santander UK. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Santander UK a scam or clone?
Scammers have impersonated Santander UK: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Santander UK, shown on this page.
Is my money safe with Santander UK?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Santander UK to the Financial Ombudsman Service, free of charge.
Who owns Santander UK?
Santander UK is owned by Santander UK Group Holdings PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Santander UK?
Companies House lists 13 directors of Santander UK: Mark Peter Lewis, Nicola Ann Morgan, Pamela Ann Walkden, Lisa Elaine Fretwell, Jose Maria Roldan Alegre, Michelle Anne Hinchliffe and 7 more.
How long has Santander UK been in business?
The company was formed on 12 September 1988, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Santander UK?
Yes. The FCA register records 6 fines between 2003 and 2022, £49.5m across 5 of the 6 that state an amount. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Santander UK get?
In January–June 2025, the Financial Ombudsman Service received 2,869 new complaints about Santander UK, and upheld 33% of those it decided.
Does Santander UK use any other names?
It trades as Cahoot, Santander Business and Santander Corporate & Commercial. It has previously used 6 other names, including Abbey National Plc, Bradford and Bingley and Santander Corporate.