i am satander customer since 18 months. poor service , poor call center response, poor complaints resolution, online banking is rubbish and website is awful. if you do a transfer more than 900 pounds through online you have to walk to the nearest branch with your id and details and you can wait in the branch 30 minutes for a appointment. my branch is 21 miles away from my house. finally money be in payees account after 3 days. They took 3 months to sort out my simple online transaction issue. if you call to their customer service center better take half day off from your work and call them . if you are using a pay as you go phone recharge it for minimum 10 pounds or more.