Santander 2.75% Account

MX5huggy

refluxer said:

jaypers said:

TomDolan said:

tried to withdraw 7k, guess what, dreaded message : your access is blocked please phone support...

Already had this last week and went into a branch with ID, all was good until today..

can't be bothered with this now, will close the account...

Did you try to transfer direct from the savings account or did you transfer the funds to your current account first?

Yes, that's my plan when trying to withdraw too - hopefully just dealing with the one payee (which I've already sent a small payment to) will minimise the risk of triggering Santander's legendarily over-sensitive anti-fraud measures.

The only transaction in using Santander (or A&L) as my main bank account for 20 ish years that has been stopped was the transfer for about £7k to buy a car after I had done a test with £10 just before. 

jimexbox

What's santanders maximum daily withdrawal limit? I'll be funding a one year fixed bond soon. So I could do without any hassle. 

Band7

Swipe said:

If you are withdrawing to an existing payee they have zero reason to be blocking withdrawals.

they don't, in my experience. 

Unless it's a larger withdrawal, immediately following a small withdrawal. This will send alarm bells off.

Band7

jimexbox said:

What's santanders maximum daily withdrawal limit? I'll be funding a one year fixed bond soon. So I could do without any hassle. 

Cash: £5k cash in Branch without prior notification. Higher if you advise a working day ahead.
.
Electronic payments:£25k online/app, £100k phone or Branch. Higher amounts via CHAPS, which I think costs £25

Swipe

Band7 said:

Swipe said:

If you are withdrawing to an existing payee they have zero reason to be blocking withdrawals.

they don't, in my experience. 

Unless it's a larger withdrawal, immediately following a small withdrawal. This will send alarm bells off.

That's just ridiculous and still no reason to block it. I always test with a small amount first if I haven't used the existing payee in quite a while just for peace of mind.

WillPS

Swipe said:

Band7 said:

Swipe said:

If you are withdrawing to an existing payee they have zero reason to be blocking withdrawals.

they don't, in my experience. 

Unless it's a larger withdrawal, immediately following a small withdrawal. This will send alarm bells off.

That's just ridiculous and still no reason to block it. I always test with a small amount first if I haven't used the existing payee in quite a while just for peace of mind.

So do fraudsters. It's very common to see small 'test' transactions before the perp attempts a bigger, riskier move.

Band7

Swipe said:

Band7 said:

Swipe said:

If you are withdrawing to an existing payee they have zero reason to be blocking withdrawals.

they don't, in my experience. 

Unless it's a larger withdrawal, immediately following a small withdrawal. This will send alarm bells off.

That's just ridiculous and still no reason to block it. I always test with a small amount first if I haven't used the existing payee in quite a while just for peace of mind.

Seems you haven't read what I wrote. I have now highlighted it for you. 

ColdIron

Swipe said:

Band7 said:

Swipe said:

If you are withdrawing to an existing payee they have zero reason to be blocking withdrawals.

they don't, in my experience. 

Unless it's a larger withdrawal, immediately following a small withdrawal. This will send alarm bells off.

That's just ridiculous and still no reason to block it. I always test with a small amount first if I haven't used the existing payee in quite a while just for peace of mind.

Anecdotally this does seem to be a particular trigger for Santander judging by previous posts over the years

Freedommm

My account is open today! 😊 I applied and have been waiting since 13th October. 

Swipe

Band7 said:

Swipe said:

Band7 said:

Swipe said:

If you are withdrawing to an existing payee they have zero reason to be blocking withdrawals.

they don't, in my experience. 

Unless it's a larger withdrawal, immediately following a small withdrawal. This will send alarm bells off.

That's just ridiculous and still no reason to block it. I always test with a small amount first if I haven't used the existing payee in quite a while just for peace of mind.

Seems you haven't read what I wrote. I have now highlighted it for you. 

What didn't i read? I always do a small test and then immediately followed by a large one once I've confirmed it arrived and never had any issues with other banks.