Investing with Santander
Keeping up the buying power of your money with rising prices is the challenge for savers, especially when interest rates are low.
Choosing to invest some of your money can give you the potential to achieve a better return over the medium to long term (five years or more).
At Santander we can help you to invest and keep saving too, and you’ll be able to keep track of everything through our easy to use Online Banking service.
To invest through us you must be 18 or over and a permanent resident in the UK.
Please remember the value of investments, and any income from them, can go down as well as up and you may get back less than you put in. If you are not prepared to have your money invested for five years or more it may not be right for you.
We have 3 routes to investing:
When you choose to invest we’ll clearly show and explain the ongoing investment fees, the type of fees applied are the same no matter which route you decide.
Saving alongside your investments
Whatever you decide about investing, it's wise to have some money put aside in savings. We offer a wide range of options including Cash ISAs, fixed-term bonds and instant access savings accounts
Consider an ISA
Over 2.8 million people invested through a Stocks and Shares ISA in the 2017/18 tax year (source: Office for National Statistics). Any growth in a Stocks and Shares ISA is free of Income and Capital Gains Tax, making them a sensible choice for many. We’ve been recognised for ours too. In 2018, as parent company of Santander ISA Managers Limited, we were awarded the Moneyfacts Award for Best Stocks and Shares ISA Provider.
You can invest through a Stocks and Shares ISA with our Investment Hub and Financial Planning Service. You can also move money, investments and stocks and shares ISAs with other providers to Santander if you like, to keep track of everything in one place. You may have to sell your investments to do this, which could have tax implications if you are not invested in an ISA. You may also have to pay charges to your current service provider for moving.
Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the full amount you invest. When you invest you should be prepared to have your money invested for the medium to long term, typically at least 5 years.
With traditional savings your capital will grow when interest is added, however over time the real value will be affected by inflation. With investments, your capital isn’t guaranteed to grow, however they have more potential to balance the effects of inflation.
The tax treatment of your savings and investments, including the favourable tax treatment of ISAs, may be subject to change in the future and depends on your individual circumstances.