Via Abbey I have used Santander business banking for 10 years and via A&L I have used personal banking for 8 years, and had an A&L mortgage for 7 years, just switched to 123 personal bank account and credit card.
Probably fair to say they provide less services than your main four branch banks, but I don't need to see people to do my banking or need loans. I am happy with the hole in the wall, internet banking and occasionally calling the call centre (eg when I have fraud on my account).
Overall I don't understand the negative comments/ratings about Santander and they in my experience they score as good as any bank I have used (includes Barclays, Midland, Halifax, NatWest). Over the years they have been a lot cheaper, paid better interest than the main four banks and not tried to sell me stuff I don't need and don't want. The only negative is that I think they still take a day longer to clear cheques, but I can easily live with that.
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