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Santander Investment Hub review

Which? experts analyse Santander Investment Hub's charges and ask its customers to rate it for service, tools, value for money and more
Josh WilsonSenior data journalist

In this article

Is Santander Investment Hub any good?

In our latest customer satisfaction survey, Santander Investment Hub received a customer score of 69% for its stocks and shares Isa, putting it joint 20th out of 25 providers.

Customers of Santander Investment Hub can choose their own funds from a selection of 30+ funds, with help from a digital investment adviser if needed.

The available investments are restricted to UK funds only, so you'll need to use another platform if you want to invest in shares, trusts or exchange-traded funds.

Santander Investment Hub is on the cheaper side for investments worth under £25,000, and its charges fell somewhere in the middle of the competition for larger portfolios.

The platform was one of very few that only offered one way of contacting customer service – by calling their helpline.

Customers can get started with a minimum investment of £20 a month or £100 lump sum.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an investment platform before committing to any financial products.

Santander Investment Hub stocks and shares Isa star ratings in more detail

Aspect of serviceStar rating
Customer service
Ease of use
Information on investments
Value for money

What do customers say about Santander Investment Hub?

Comments from Santander customers that took part in our survey include:

  • ‘It is low cost, but has an awkward to use website.’
  • ‘It is a very easy app which is informative and helpful. It makes me feel confident and informed.’
  • ‘I've been with Santander for sometime now and they've been very helpful.’

Visit Santander Investment Hub to find out more about its accounts, services and investment options.

How much does Santander Investment Hub cost?

There's no difference in fees whether you're investing in a Santander Investment Hub stocks and shares Isa or a general investment account.

Annual platform charge

  • 0.35% on the first £50,000
  • 0.2% on the next £450,000
  • 0.1% on more than £500,0000

Trading charge

  • None

Foreign exchange charge

This applies to each trade of investments denominated in another currency, for example US stocks, on top of fund and trading charges.

  • N/A

How much would I pay to invest with Santander Investment Hub?

We've estimated the cost of investing over the course of a year in a Santander Investment Hub stocks and shares Isa, assuming you make four purchases and four sales each year. 

Costs will vary depending on how much you invest. 

Amount investedAnnual funds charges
£5,000£18
£10,000£35
£25,000£88
£50,000£175
£100,000£275
£250,000£575
£500,000£1,075

Table notes: Annual charges include platform fee and any trading charges. We have not included other charges that might apply, such as foreign exchange fees or fund management charges that are levied by fund managers, as these vary depending on the specific investments you hold. Fund management fees can range from less than 0.1% for some passively managed 'tracker' funds, to 1.25% or more for actively managed funds or investment trusts. 

What can you invest in with Santander Investment Hub?

Santander Investment Hub accounts and services 

Find out more about Santander Investor Hub by using the links below to view their accounts and services:

Investments on Santander Investment Hub 

Correct as of January 2025

Is Santander Investment Hub good for ethical investors?

Santander Investment Hub has a page on its website that lists all of the ‘sustainable’ funds available on its platform, though there is no further information on the funds beyond this.

For example, there is no detail of which sectors funds invest in or the top 10 holdings.

Is your money safe with Santander Investment Hub?

Santander is regulated by the Financial Conduct Authority and covered by the Financial Services Compensation Scheme (FSCS).

When you invest with an investment platform that's registered with the Financial Conduct Authority, your money will be ring-fenced and should be returned if a company goes bust without you having to wait alongside other creditors.

If ring-fencing failed, you would be compensated by the FSCS.

The FSCS will cover up to £85,000 of investments per person, per platform. You can claim for free online at www.fca.org.uk; there's no reason to use a claims management company.

You won't be compensated for investments falling in value, or if a company in which you hold shares goes bust, unless this poor performance resulted from bad advice given by a regulated Independent Financial Advisor that has since gone bankrupt.

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