How to Cancel Santander
Closing a Santander current or savings account requires contacting the bank. You can initiate the process in branch, by phone, or through online banking. Ensure all direct debits and standing orders are moved before closing.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Any remaining balance is returned to you. No closure fees for standard accounts.
After cancellation
Santander retains your records for 6 years after account closure per regulatory requirements.
What to Watch Out For
- Branch staff may attempt to offer incentives to keep your account open
- The process requires multiple steps and cannot be done with a single online action
Cancellation Steps
Go directly to Santander cancellation pageOpen a new account elsewhere
Set up a new current account with another bank before closing Santander. Use the Current Account Switch Service (CASS) for an automatic transfer.
Move direct debits and standing orders
CASS handles this automatically, or move them manually to your new account.
Contact Santander
Call 0800 9 123 123, visit a branch, or use secure messaging in online banking to request account closure.
Withdraw remaining balance
Transfer or withdraw your remaining balance. The account will be closed once the balance is zero.
Tips & Things to Know
- Use the Current Account Switch Service for a seamless transfer within 7 working days.
- Check for any pending transactions before closing.
- Request a final statement for your records.
Your Consumer Rights
- Banks must process account closure requests without unreasonable delay under FCA rules.
- The Current Account Switch Service guarantee means you are protected if anything goes wrong during the switch.
Frequently Asked Questions
Can I close my Santander account online?
You can initiate it via secure messaging in online banking, but full closure may require a phone call.
How long does it take to close a Santander account?
Typically 5-10 working days once all balances are cleared.
What is the Current Account Switch Service?
CASS is a free service that moves all direct debits, standing orders, and your balance to a new bank within 7 working days.
Are there fees to close a Santander account?
No. Standard current and savings account closures are free.
What happens to my Santander credit card?
Credit cards must be closed separately. Pay off the balance first.