Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Mouse99
    • By Mouse99 5th Sep 17, 4:27 PM
    • 12Posts
    • 1Thanks
    Mouse99
    Santander student account and railcard offer
    • #1
    • 5th Sep 17, 4:27 PM
    Santander student account and railcard offer 5th Sep 17 at 4:27 PM
    My son was lucky to get a university offer late on, via clearing, to Glasgow uni at the end of August. He signed up for a Santander student bank account on 1st September, lured by the offer of a free railcard.

    Anticipating the process to take 3-5 working days, he booked a single train ticket to Glasgow on 8th Sept to move into his student digs.

    A single fare was £85 (I know, I couldn't believe it either) but he clicked railcard and got it reduced to £56.

    After calling Santander, he was informed that he would not get a code to open an online bank account for at least 6 days and then obtaining the railcard was a whole new process. He won't have the railcard for the journey on the 8th. Virgin then informed us he could buy a new ticket for £85 and get a refund on the £56 ticket minus a £10 admin charge - thus single train to Glasgow costing £95.

    Having no idea where he was going, he was unable to plan and arrange transport any earlier and is it so unreasonable to think that a bank will be able to provide you with your bank account and railcard within 7 days?

    Can users advise us of any consumer rights we may have or any possible solution before Friday and having to pay for new ticket? My Kiwi mate used to say we get seriously ripped off in the UK and this perfectly illustrates the point.
Page 1
    • dj1471
    • By dj1471 5th Sep 17, 4:45 PM
    • 831 Posts
    • 552 Thanks
    dj1471
    • #2
    • 5th Sep 17, 4:45 PM
    • #2
    • 5th Sep 17, 4:45 PM
    Since Santander didn't promise to provide the railcard in the timeframe you expected I can't see that you have any rights, other than to accept your refund minus fee.

    What do the T&Cs actually say? I'll bet it's the standard 28 days or similar for the railcard to be received.
    • eskbanker
    • By eskbanker 5th Sep 17, 4:46 PM
    • 5,465 Posts
    • 5,270 Thanks
    eskbanker
    • #3
    • 5th Sep 17, 4:46 PM
    • #3
    • 5th Sep 17, 4:46 PM
    Anticipating the process to take 3-5 working days....
    Originally posted by Mouse99
    What led him to believe this? If Santander explicitly stated this then he might have some sort of case but if he was just guessing then obviously he wouldn't have a leg to stand on!
    • Mouse99
    • By Mouse99 5th Sep 17, 4:49 PM
    • 12 Posts
    • 1 Thanks
    Mouse99
    • #4
    • 5th Sep 17, 4:49 PM
    • #4
    • 5th Sep 17, 4:49 PM
    Thanks guys, you are probably right but nowhere does it say exactly how long the process takes?
    • Ed-1
    • By Ed-1 5th Sep 17, 5:10 PM
    • 1,980 Posts
    • 1,059 Thanks
    Ed-1
    • #5
    • 5th Sep 17, 5:10 PM
    • #5
    • 5th Sep 17, 5:10 PM
    Did Santander actually accept his application for the student account? They are notoriously picky for this account...
    • alanq
    • By alanq 5th Sep 17, 5:49 PM
    • 3,729 Posts
    • 2,387 Thanks
    alanq
    • #6
    • 5th Sep 17, 5:49 PM
    • #6
    • 5th Sep 17, 5:49 PM
    The terms of the Santander offer are that one must "use the account as your main account, paying in £500 per academic term (for example from your income, student loan...)". If the academic term hasn't started Santander will not know yet that Son will be eligible for the offer.

    Cost of ticket without a Railcard £95.

    Cost of 1-year Railcard bought from a station £30.
    Cost of ticket with Railcard £56.
    Total cost £86.
    He could save £9 and administrative hassle by just buying a 1-year Railcard.

    The "free" Santander card would cover years 2-4.
    or he could choose a different bank's offer
    http://www.moneysavingexpert.com/students/Student-bank-account
    Last edited by alanq; 05-09-2017 at 6:01 PM.
    I'm a Board Guide on the Budgeting and Bank Accounts, Savings & Investments, Food Shopping and Over 50s MoneySaving boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    • jonesMUFCforever
    • By jonesMUFCforever 5th Sep 17, 6:06 PM
    • 23,997 Posts
    • 11,305 Thanks
    jonesMUFCforever
    • #7
    • 5th Sep 17, 6:06 PM
    • #7
    • 5th Sep 17, 6:06 PM
    The mistake here is simple - buying the ticket without the rail card.
    Others have suggested what can be done.
    What goes around - comes around
    give lots and you will always receive lots
    • surreysaver
    • By surreysaver 5th Sep 17, 6:18 PM
    • 2,248 Posts
    • 1,273 Thanks
    surreysaver
    • #8
    • 5th Sep 17, 6:18 PM
    • #8
    • 5th Sep 17, 6:18 PM
    Can you not just excess the ticket up to an adult fare by paying the difference, rather than buying a new ticket and claiming a refund?
    I consider myself to be a male feminist. Is that allowed?
    • msallen
    • By msallen 6th Sep 17, 7:43 AM
    • 526 Posts
    • 439 Thanks
    msallen
    • #9
    • 6th Sep 17, 7:43 AM
    • #9
    • 6th Sep 17, 7:43 AM
    is it so unreasonable to think that a bank will be able to provide you with your bank account and railcard within 7 days?
    Originally posted by Mouse99
    Yes, totally.
    • alanq
    • By alanq 6th Sep 17, 9:04 AM
    • 3,729 Posts
    • 2,387 Thanks
    alanq
    ...is it so unreasonable to think that a bank will be able to provide you with your bank account and railcard within 7 days?
    Originally posted by Mouse99
    Yes when its website says that the process will take up to 10 WORKING days.

    "A unique code will be sent via secure message to your Online Banking within 5 working days of account opening"
    (I don't see how that tallies with the £500 deposit per term condition unless a deposit of £500 is required to open the account)

    and then once the code has been received and submitted
    "You'll receive your 16-25 Railcard within 5 working days of completing your order."

    http://www.santander.co.uk/uk/current-accounts/student-graduate-current-accounts/123-student-current-account

    Also FAQs
    "Can I buy tickets at a discounted rate before my Santander 16-25 Railcard arrives?

    No. Unfortunately you need to wait for your Santander 16-25 Railcard to arrive."

    Anticipating the process to take 3-5 working days, ...
    Originally posted by Mouse99
    A lesson from the University Of Life for your son - don't anticipate, expect, assume etc. always read and thoroughly digest Terms & Conditions.
    Last edited by alanq; 06-09-2017 at 9:14 AM.
    I'm a Board Guide on the Budgeting and Bank Accounts, Savings & Investments, Food Shopping and Over 50s MoneySaving boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    • Mouse99
    • By Mouse99 6th Sep 17, 10:37 AM
    • 12 Posts
    • 1 Thanks
    Mouse99
    I disagree
    • northwalesd
    • By northwalesd 6th Sep 17, 12:30 PM
    • 191 Posts
    • 118 Thanks
    northwalesd
    I disagree
    Originally posted by Mouse99
    To what exactly?
    • Mouse99
    • By Mouse99 14th Sep 17, 5:08 PM
    • 12 Posts
    • 1 Thanks
    Mouse99
    Thanks Alan, I took your advice:

    Cost of ticket without a Railcard £95.

    Cost of 1-year Railcard bought from a station £30.
    Cost of ticket with Railcard £56.
    Total cost £86.
    He could save £9 and administrative hassle by just buying a 1-year Railcard.
    • djpailo
    • By djpailo 14th Sep 17, 6:04 PM
    • 361 Posts
    • 118 Thanks
    djpailo
    My partner and I recently took a flight to Glasgow from South England because of how expensive it was by train to book quite late (by late I mean a few weeks before travelling).
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

113Posts Today

2,161Users online

Martin's Twitter
  • RT @iiSteveJonesii: @MartinSLewis After watching you talk this morning about me burning £300 I got on a comparison site tonight & sure enou?

  • In or near York? This Wed the @itvmlshow Roadshow" will be at the York Food & Drink Festival - do come and say hi; St Sampsons Square 11-4.

  • It's the subtle poetry and lyricism of tweets like this that I find so endearing https://t.co/XhSKBCGyXe

  • Follow Martin