Is Santander or Charity Bank better for your small business?
Below we look at both Santander and Charity Bank reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Santander vs Charity Bank Trustpilot Reviews
| Santander | Charity Bank | |
| Trustpilot Review Score (out of 5) | 1.4 | 3.3 |
| Percent 5-Star Reviews | 8% | 33% |
| Percent 1- Star Reviews | 85% | 34% |
| Total Number of Reviews | 6,868 | 3 |
https://www.trustpilot.com/review/www.santander.co.uk
https://www.trustpilot.com/review/charitybank.org
Santander vs Charity Bank App Reviews
| Santander | Charity Bank | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 1,100,000 | No Reviews |
| Android Review Score (out of 5) | 4.4 | No Rating |
| Number of Android Reviews | 54,300 | No Reviews |
https://apps.apple.com/gb/app/santander-mobile-banking/id482973524
https://www.apple.com/uk/app-store/
Santander vs Charity Bank Account Fees & Charges
| Santander | Charity Bank | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 18 Months | NA |
| Cheapest Monthly Account Fee | Free | Free |
| Most Expensive Monthly Account Fee | £7.50 | Free |
| Electronic Payment Cost (in/out) | Free | No |
| Cash Payments Cost (in/out) | 70p per £100 | Free |
| Cheques (in/out) | Unknown | Free |
| CHAPS Payments Cost | £25 | £10 |
| SEPA Payments Cost | No | 20p |
Santander vs Charity Bank Business Savings Rates
| Santander | Charity Bank | |
| Types of Business Savings Accounts | Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account | CITR accounts, Easy Access, Notice Accounts, Fixed Account |
| Lowest Savings Rate (AER) | 0.40% | 2.02% |
| Maximum Savings Rate (AER) | 3.60% | 4.51% |
| Minimum Savings Amount | £1 | £1,000 |
| Interest Paid On Foreign Currencies | Yes | No |
Santander vs Charity Bank Account Opening Times
| Santander | Charity Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | Few minutes | Undisclosed |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Santander vs Charity Bank Features & Account Types
| Santander | Charity Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | No |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | UK-wide | Tonbridge |
Santander vs Charity Bank Customer Support Options
| Santander | Charity Bank | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Santander vs Charity Bank Foreign Currency Accounts
| Santander | Charity Bank | |
| US Dollar (USD) Bank Accounts | Yes | No |
| Euro (EUR) Bank Accounts | Yes | No |
| Other Currencies Available: |
| No |
Other Business Services From Santander and Charity Bank
| Santander | Charity Bank | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | Yes |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | No |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | No |
Santander vs Charity Bank Banking Basics
| Santander | Charity Bank | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 106054 | 207701 |
| Website | Santander Website | Charity Bank Website |
Common Comparison Questions
Does Santander or Charity Bank have better customer reviews?
Santander scores 1.4 out of 5 based 6,868 Trustpilot reviews. Of these reviews 8% are 5-star and 85% are 1-star.
Whereas, Charity Bank scores 3.3 out of 5 based 3 Trustpilot reviews. Of which 33% are 5-star and 34% are 1-star.
Does Santander or Charity Bank have a better App?
Santander’s iPhone App is rated 4.8 out of 5 based on 1,100,000 reviews. And it’s Android App is rated 4.4 out of 5 based on 54,300 reviews.
In comparison, Charity Bank’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does Santander or Charity Bank have better business savings rates?
Santander offers the following types of business savings accounts: Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account with interest rates ranging from 0.40% to 3.60%. (AER)
In contrast, Charity Bank offers CITR accounts, Easy Access, Notice Accounts, Fixed Account accounts with interest rates ranging from 2.02% to 4.51% (AER).
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For other business bank accounts see our guide here.