Is Santander or Unity Trust better for your small business?
Below we look at both Santander and Unity Trust 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 Unity Trust Trustpilot Reviews
| Santander | Unity Trust | |
| Trustpilot Review Score (out of 5) | 1.4 | 4 |
| Percent 5-Star Reviews | 8% | 61% |
| Percent 1- Star Reviews | 85% | 14% |
| Total Number of Reviews | 6,868 | 255 |
https://www.trustpilot.com/review/www.santander.co.uk
https://www.trustpilot.com/review/unity.co.uk
Santander vs Unity Trust App Reviews
| Santander | Unity Trust | |
| 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 Unity Trust Account Fees & Charges
| Santander | Unity Trust | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 18 Months | NA |
| Cheapest Monthly Account Fee | Free | £6 |
| Most Expensive Monthly Account Fee | £7.50 | £6 |
| Electronic Payment Cost (in/out) | Free | 14p |
| Cash Payments Cost (in/out) | 70p per £100 | 50p per £100 |
| Cheques (in/out) | Unknown | 30p per item |
| CHAPS Payments Cost | £25 | £28 |
| SEPA Payments Cost | No | 25p |
Santander vs Unity Trust Business Savings Rates
| Santander | Unity Trust | |
| Types of Business Savings Accounts | Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account | Instant Access, Fixed Term |
| Lowest Savings Rate (AER) | 0.40% | 2.77% |
| Maximum Savings Rate (AER) | 3.60% | 5.10% |
| Minimum Savings Amount | £1 | No |
| Interest Paid On Foreign Currencies | Yes | Yes |
Santander vs Unity Trust Account Opening Times
| Santander | Unity Trust | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | Few minutes | 7 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Santander vs Unity Trust Features & Account Types
| Santander | Unity Trust | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | Yes |
| 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 | No own branches but can use NatWest, RBS or Ulster Bank locations |
Santander vs Unity Trust Customer Support Options
| Santander | Unity Trust | |
| 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 Unity Trust Foreign Currency Accounts
| Santander | Unity Trust | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
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Other Business Services From Santander and Unity Trust
| Santander | Unity Trust | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | Yes |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | No |
Santander vs Unity Trust Banking Basics
| Santander | Unity Trust | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 106054 | 204570 |
| Website | Santander Website | Unity Trust Website |
Common Comparison Questions
Does Santander or Unity Trust 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, Unity Trust scores 4 out of 5 based 255 Trustpilot reviews. Of which 61% are 5-star and 14% are 1-star.
Does Santander or Unity Trust 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, Unity Trust’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 Unity Trust 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, Unity Trust offers Instant Access, Fixed Term accounts with interest rates ranging from 2.77% to 5.10% (AER).
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For other business bank accounts see our guide here.