I had to join this bank from the reliable A&L bank which i was with for years with no problems and no fraud transactions. However, I became overdrawn with santander after fraud on my account in November. They did refunded the transactions but not the overdrawn charges which were massive. The fraud continued in feb and this month and as a result I have since had to pay charges on top of charges every month. In 5 months they have drained all my savings and now as a result i have had to start an IVA and change bank. Avoid this bank, i have lost almost everything through no fault of my own thanks to Santander. They dont listen and dont care less.