General Information

Santander UK is a large retail and commercial bank based in the UK and a wholly-owned subsidiary of the major global bank Banco Santander. It is registered in England and Wales, authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It manages its affairs autonomously, with its own local management team, responsible solely for its performance. It has its origins in three constituent companies—Abbey National, Alliance & Leicester and Bradford & Bingley—all former mutual building societies. It is one of the leading personal financial services companies in the United Kingdom, and one of the largest providers of mortgages and savings in the United Kingdom.

Regulation

Santander UK Plc is a regulated institution under the jurisdiction of the United Kingdom's Financial Conduct Authority (FCA) with License No. 106054. It holds a Market Making (MM) license type and has been regulated since December 1, 2001. The institution operates with the license type of “No Sharing.” You can contact them via email at customerservices@santander.co.uk and find more information on their website: https://www.santander.co.uk/. The regulatory status does not specify an expiry date, and Santander UK Plc is located at 2 Triton Square, Regent's Place, London NW1 3AN, UNITED KINGDOM, with a phone number of 448003897000. Certified documents related to their regulatory status are not provided in the information provided.

Pros and Cons

Santander offers a wide range of financial products and services to cater to diverse customer needs. However, it's essential to consider both the advantages and disadvantages when evaluating their offerings.

Pros:

1. Comprehensive Product Range: Santander provides a diverse selection of banking, investment, insurance, and borrowing options, allowing customers to find suitable solutions for their financial goals.

2. Accessible Customer Support: Customers can easily reach Santander's support through telephone, live chat, or the ATM/Branch Locator. The extended hours of operation and accessibility options accommodate various needs.

3. Regulated Institution: Santander is regulated by the UK's Financial Conduct Authority (FCA), providing customers with confidence in their financial stability and adherence to industry standards.

Cons:

1. Monthly Fees: Some of Santander's current accounts come with monthly fees, which may not be ideal for individuals seeking fee-free options.

2. Complexity: With numerous products and services, navigating Santander's offerings can be overwhelming for some customers who may prefer simpler banking solutions.

3. Eligibility Criteria: Eligibility criteria apply to certain products, such as personal loans, which may limit access to individuals who do not meet specific income or credit requirements.

Here is a table summarizing the pros and cons of Santander:

Market Instruments

The Santander UKs segments include Retail Banking, Corporate & Commercial Banking and Corporate & Investment Banking. The Retail Banking segment offers a range of products and financial services to individuals and small businesses, through a network of branches and automated teller machines (ATMs), as well as through telephony, digital, mobile and intermediary channels. The Corporate & Commercial Banking segment offers a range of products and financial services include loans, bank accounts, deposits, treasury services, trade and asset finance for small medium enterprises (SME) and corporate customers. The Corporate & Investment Banking segment serves corporate clients and financial institutions.

Here's a summary of their products:

1. Current Accounts:

• Santander Edge Up Current Account:

• Earn cashback on selected household bills, supermarket, and travel costs.

• Earn interest on credit balances up to £25,000.

• Requires funding the account with £1,500 each month and setting up 2 active Direct Debits.

• No charges for using the debit card outside the UK.

• £5 monthly fee.

• Santander Edge Current Account:

• Earn cashback on selected household bills at supermarkets and travel spend.

• Access to an optional savings account with exclusive rates.

• Requires funding the account with £500 each month and setting up 2 active Direct Debits.

• No charges for using the debit card outside the UK.

• £3 monthly fee.

• Everyday Current Account:

• Simple and straightforward account with no monthly fee.

• 1|2|3 Student Current Account:

• Free 16-25 railcard for four years.

• Interest-free overdraft of £1,500 for the first 3 years of studies.

• Requires regular deposits of at least £500 every 4 months.

• 1|2|3 Mini Current Account:

• Designed to help children and young people learn money management.

• Offers interest on balances at certain thresholds.

• Choice of contactless debit card or cash card.

• Basic Current Account:

• Suitable for those with poor credit history or newcomers to the UK.

1. Mortgages:

• Services for first-time buyers, home movers, and those looking to remortgage.

• Options for changing lenders, borrowing more money, and managing existing mortgages.

• Later life mortgages for individuals aged 55 or over.

• Partnership with ufurnish.com for home furnishing experiences.

1. Credit Cards:

• Range of credit cards for various needs, including:

• All in One Credit Card

• Long Term Balance Transfer Credit Card

• Everyday No Balance Transfer Fee Credit Card

• Santander World Elite™ Mastercard®

1. Savings and ISAs:

• Savings and ISAs for different goals, including:

• Easy Access Saver

• Regular Saver

• Santander Edge Saver

• Easy Access ISA

• Fixed Rate ISAs

• Fixed Term Bonds

• Junior ISA

• Inheritance ISA

1. Investments:

• Investment options with cashback incentives.

• Investment Hub for online advice and fund selection.

• Investment advice and resources available.

1. Insurance:

• Home insurance, including contents insurance for renters.

• Life insurance, including critical illness cover.

• Health insurance.

• Mortgage life insurance.

• Family and lifestyle insurance.

• Over 50s Life Insurance.

• Car insurance, including electric vehicle insurance.

• Travel insurance.

• Business insurance and landlord insurance.

1. Personal Loan:

• Personal loans with fixed interest rates.

• Loan amounts from £1,000 to £25,000.

• Flexible repayment terms.

• Loan eligibility criteria apply.

Santander provides a comprehensive range of financial products and services to cater to their customers' banking, investment, insurance, and borrowing needs.

Accounts

Six digit account sort codes are used in the range between 09-00-xx to 09-19-xx. Sort codes for accounts formerly held by Alliance & Leicester use the range 09-01-31 to 09-01-36.

Credit Rating

In October 2011, Moody's downgraded the credit rating of twelve financial firms in the United Kingdom, including Santander UK, blaming financial weakness. In June 2012, Moody rated Santander UK as being in a more financially healthy position than its parent company, Banco Santander.

Deposit & Withdrawal

In November 2009, Santander launched the first current account in the United Kingdom without fees (including unauthorised overdrafts) for its current and future mortgage customers. In January 2010, the bank began waiving fees for customers using Santander's automated teller machines in Spain, which traditionally would incur fees for transactions in a foreign currency.

Accepted Countries

Santander's Corporate and Commercial Banking division operates from a number of regional business banking centres across the United Kingdom. Less than 1% of Santander UK's business is held abroad.

Customer Service

Santander has frequently been rated the worst bank for customer service in the United Kingdom, although by July 2011 had sought to improve, notably by returning call centre operations to the United Kingdom from India. Its '123' product range was ranked third best in the United Kingdom in 2013, and in a moneysavingexpert.com poll in February 2014, customers ranked their satisfaction higher than with any of other main high street banks.

Santander's customer support offers several ways to contact them and obtain assistance:

1. Telephone Support:

• Customers can reach a Customer Service Center Advisor at 1-877-768-2265.

• Hours of operation are from 8 a.m. to 8 p.m. EST, Monday to Saturday.

• For customers with hearing/speech impairments, there is a dedicated relay service at 7-1-1.

1. International Calls:

• For customers calling from outside the United States, there is a local number: 1-401-824-3400.

1. Live Chat:

• Customers can use the live chat feature on the Santander website to get real-time assistance with their inquiries or problems.

1. ATM/Branch Locator:

• For information on ATM and branch locations as well as their hours of operation, customers can use the ATM/Branch Locator on the Santander website.

Santander's customer support is accessible through various channels, including phone, chat, and online resources, ensuring that customers have multiple options to address their banking needs and inquiries. The telephone support hours are accommodating, and they provide accessibility options for customers with hearing or speech impairments.

Summary

Santander UK Plc is a regulated financial institution under the United Kingdom's Financial Conduct Authority (FCA) with License No. 106054. They offer a diverse range of financial products and services, including current accounts, mortgages, credit cards, savings and ISAs, investments, insurance, and personal loans. Santander provides accessible customer support through telephone, live chat, and an ATM/Branch Locator, ensuring customers have various ways to seek assistance with their financial needs. Their customer service hours are from 8 a.m. to 8 p.m. EST, Monday to Saturday. Santander's comprehensive product offerings aim to meet a wide array of customer banking and financial requirements.

FAQs

Q: What types of current accounts does Santander offer？

A: Santander offers various current account options, including the Santander Edge Up, Santander Edge, Everyday Current Account, and specialized accounts for students and children.

Q: How can I contact Santander's customer support？

A: You can reach Santander's customer support by calling 1-877-768-2265 for general inquiries. For international calls, dial 1-401-824-3400. Alternatively, you can use the live chat feature on their website.

Q: Are there fees associated with Santander's current accounts？

A: Some current accounts may have monthly fees, such as £5 for the Santander Edge Up Current Account and £3 for the Santander Edge Current Account. The Everyday Current Account, however, has no monthly fee.

Q: What types of insurance does Santander offer？

A: Santander provides a range of insurance options, including home insurance, life insurance, health insurance, car insurance, and travel insurance, catering to various coverage needs.

Q: Can I apply for a personal loan from Santander？

A: Yes, Santander offers personal loans with fixed interest rates. You can apply for loan amounts ranging from £1,000 to £25,000, with flexible repayment terms. Eligibility criteria apply, and you can typically get a decision within 5 minutes.

Overview of GMO CLICK

GMO CLICK is a regulated institution in Japan that offers various financial services. It holds a retail forex license and is regulated by the Financial Services Agency. The company provides a range of market instruments, including stock trading, investment trusts, futures options, FX trading, forex options, currency exchange trading, CFDs, stock index binary options, and bond trading.

To open an account with GMO CLICK, individuals can visit their website and choose the type of account they want to open. The company offers different account options based on the desired trading activities. Users need to fill out an application form, provide personal information, agree to terms and conditions, and submit the completed application.

GMO CLICK offers trading platforms for various devices, including computers, smartphones, and smartwatches. They provide different payment methods for depositing funds, including internet banking, ATMs, and financial institution counters. The company has customer support available through phone, inquiry forms, direct mail, and social media channels.

While GMO CLICK is regulated and offers a range of financial services, it's important to verify the information provided and contact the company directly for the most accurate and up-to-date details regarding their services, regulations, and account opening procedures.

Pros and Cons

GMO CLICK offers a range of financial services, including stock trading, investment trusts, futures options, FX trading, forex options, currency exchange trading, CFDs, stock index binary options, and bond trading. The company is regulated and provides a variety of trading platforms for different devices. They have multiple payment methods available for depositing funds, and customer support is offered through various channels. However, it's important to note that GMO CLICK has certain limitations, such as the absence of trading software according to the provided information. Additionally, specific trading activities may have designated acceptance times, and withdrawals are supported only for GMO CLICK Securities accounts and financial institution accounts with the same name. It's advisable to verify the current details and contact GMO CLICK directly for more accurate and updated information.

Is GMO CLICK Legit？

Based on the information provided, GMO CLICK is a regulated institution in Japan. It holds a retail forex license and is regulated by the Financial Services Agency. The license number is “関東財務局長（金商）第77号” and the effective date of the license is September 30, 2007.

However, it's important to note that the information you provided also states that GMO CLICK does not have a trading software according to the current data. This could imply that there may be some limitations or restrictions on their services. It's advisable to verify this information with updated and reliable sources or contact GMO CLICK directly for more accurate and detailed information regarding their regulatory status and available services.

Market Instruments

GMO CLICK Securities offers a range of market instruments:

STOCK: GMO CLICK Securities offers stock trading services at low prices, providing investors with access to the stock market.

INVESTMENT TRUST: The company offers a selection of investment trusts, making it easy for investors to choose funds that have been carefully curated by GMO CLICK Securities.

FUTURES OPTIONS: GMO CLICK Securities provides futures options trading with industry-leading low fees, allowing investors to participate in this market.

FX NEO (OVER-THE-COUNTER TRADING): GMO CLICK Securities offers enhanced trading tools and a low-cost, comfortable FX trading experience for investors.

FOREX OPTIONS: Investors can engage in forex binary options trading through GMO CLICK Securities, which offers a user-friendly interface for easy operation.

CLICK 365 (EXCHANGE TRADING): GMO CLICK Securities provides a wide range of currency pairs for FX exchange trading through the Click 365 platform.

CFDs: Japanese investors can choose from a variety of CFDs (Contracts for Difference) offered by GMO CLICK Securities.

STOCK INDEX BINARY OPTIONS: GMO CLICK Securities offers stock index binary options, allowing investors to engage in this type of trading with ease.

BOND: GMO CLICK Securities facilitates the trading of overseas high-interest bonds, providing investors with access to this asset class.

Account Types

1. FXneo: This account type is for Forex trading. It allows customers to trade in the Forex market.

2. AnyForex OP: This account type is for Forex options trading. It enables customers to trade options in the Forex market.

3. AnyCFDs: This account type is for CFD (Contract for Difference) trading. It allows customers to trade CFDs.

4. AnyIXOP: This account type is for stock index binary options trading. It enables customers to trade binary options based on stock indexes.

5. Brokerage account: This account type provides tradeable services for various types of transactions, including stock, investment trust, futures OP, FX neo, Forex OP, 365FX, CFDs, BO (Binary Options), and bonds.

6. Securities Connect Account (Bank Linkage): This account type allows customers to open a securities trading account by filling in a single page without requiring an application form. Transactions can start after a minimum of 2 business days. Initial settings registration is required upon the first login.

7. Forex Trading Account: This account type is specifically for FX trading and Foreign exchange OP. It offers tradeable services for FX neo, Forex OP, and 365FX. Opening an FX trading account is faster than a brokerage account and does not require an application form. Customers can switch to a securities trading account from the member page without any difference in trading terms.

8. Corporate Customers: GMO CLICK also provides corporate account opening services for corporate customers.

How to Open an Account？

To open an account with GMO CLICK, follow these steps:

1. Visit the GMO CLICK website and click on the “Account Opening” option.

1. Choose the type of account you want to open from the available options, such as stock, investment trust, futures OP, FX neo, Forex OP, 365FX, CFDs, BO, bond, or Securities Connect Account (Bank Linkage).

2. If you select the Securities Connect Account (Bank Linkage), you can start demo trading by tapping “Start demo trading” on the login screen without registering an account.

1. Fill in the required information on the application form. This typically includes personal details such as name, contact information, address, date of birth, sex, post code, telephone number, and email address.

1. Provide nationality information, indicating whether you have Japanese nationality or nationality other than Japan. Note that accounts cannot be opened by individuals holding U.S. citizenship.

2. Specify if you have any U.S. tax liability, whether you are an important foreign public figure or a relative of one, and your country of residence.

1. Choose your preferences regarding the delivery of email news and direct mail from GMO CLICK.

2. If you wish to open a specific account, select the appropriate options for FX trading, forex options trading, CFD trading, or stock index binary options trading.

1. Read and agree to the terms and conditions and other regulations pertaining to account opening and trading activities.

2. Review the documents to be delivered before concluding a contract for securities and CFD transactions, and agree to their terms.

3. Confirm that the information entered in the application is accurate and certify that it is provided by the account holder or an authorized representative.

4. Submit the completed application.

Spreads & Commissions

GMO Click offers spreads on various currency pairs. The spreads for USD/JPY are 0.2 pips, for EUR/JPY they are 0.5 pips, for GBP/JPY they are 1.0 pips, for AUD/JPY they are 0.7 pips, for EUR/USD they are 0.4 pips, and for GBP/USD they are 1.0 pips. These spreads indicate the difference between the buying and selling prices of these currency pairs.

When trading Nikkei 225 options, GMO Click charges a minimum commission of 0.152% of the contract price. Additionally, there is a minimum commission fee of 214 yen applicable for these trades. The commission is calculated based on the percentage of the contract price and ensures that the broker earns revenue from facilitating these options trades.

GMO Click provides free trading services for certain types of trading instruments. Forex options trading, stock index binary options trading, and CFD (Contract for Difference) trading do not incur any charges. This means that traders can engage in these types of trading activities without paying commissions or fees to GMO Click.

Deposit & Withdrawal

GMO CLICK offers an instant deposit service that allows customers to transfer funds immediately. The service supports transfer deposits via ATMs and bank counters, and withdrawals are also free of charge. The minimum withdrawal amount is 10,000 yen, and the maximum withdrawal amount is 100 million yen. However, if the balance is below 10,000 yen, the entire balance will be withdrawn at once.

It's important to note that withdrawals are only supported for GMO CLICK Securities accounts and financial institution accounts with the same name. The amount that can be withdrawn in one operation ranges from ¥10,000 to ¥100,000,000.

GMO CLICK provides bank accounts for each customer, including GMO Aozora Net Bank and Mitsubishi UFJ Bank. When making a transfer from a bank counter or ATM, customers are required to make a payment to their bank account. Please be aware that the transfer source is limited to domestic branches of financial institutions.

GMO CLICK provides various options for customers to deposit funds. Those using internet banking can take advantage of the immediate deposit service, which allows for instant fund transfers without any commission fees. Deposits made through ATMs or financial institution counters are also free of commission, and customers can perform these transactions using their computers or smartphones. Additionally, GMO CLICK offers the option to deposit funds from the Securities Connect account of GMO Aozora Net Bank, and this service is commission-free and can be accessed through a computer. For customers investing in mutual funds, the investment trust reserve fee is automatically deducted monthly from the designated financial institution account.

In terms of withdrawals, GMO CLICK does not charge any commission, and customers can initiate the withdrawal process through the GMO CLICK Securities member page. This can also be done through their smartphone app.

Trading Platforms

GMO Click offers a variety of trading platforms, including FX neo for high-performance FX trading on computers, Hatchu-kun FX Plus for rate delivery and execution speed, and FXWatch! for checking rates and charts on smartwatches. They also provide CFD trading apps, such as GMO Click CFDs and Hatchu-kun CFD, along with stock trading apps like GMO Click stock and GMO Click Stock for iPad. Super Hatchu-kun is a comprehensive tool for stock/futures OP trading. Traders can also access smartphone browser-based platforms for Forex OP, stock trading, and binary options. Additionally, there are iPhone and Android apps available for Click 365 trading. Transactions can be conducted on a PC browser using the WEB transaction screen.

Payment Methods

GMO CLICK offers a range of payment methods for customers to deposit funds. These include options such as Rakuten Bank, MUFG, SMBC, Mizuho, SBI Sumishin Net Bank, ANN Seven Bank, JP Yucho Bank, Resona Bank, Aeon Bank, Jibun Bank, and Saitama Resona Bank, among others. Customers can utilize internet banking services to make immediate fund transfers without incurring any commission fees. Deposits can be made through ATMs or financial institution counters, and these transactions are also commission-free. The method of depositing funds through computers or smartphones is provided. GMO CLICK also facilitates deposits from the Securities Connect account of GMO Aozora Net Bank, with no commissions and accessibility via computer. For customers investing in mutual funds, the investment trust reserve fee is automatically deducted monthly from the designated financial institution account.

Trading Hours

GMO CLICK offers customer support through various channels and during specific time frames. The call center is available from 8:00 until close and provides assistance for trading inquiries. Trading platforms like Super Hatchu allow login access from 0:00 to 24:00, excluding maintenance time. Specific acceptance hours are set for immediate deposits, transfers, and order placements based on different types of trading accounts. Support for mutual fund trading is available from 6:30 to 15:00 and 17:00 to 3:30. For futures, options, forex, Click 365, and CFD trading, there are designated acceptance times. Forex Neo and forex options trading have 24-hour availability, while CFD trading is open from Monday to Friday, 8:00 am to 7:00 am the next day. Bond trading hours vary for domestic and foreign bonds. It's important to be aware of these time frames when seeking customer support or engaging in trading activities with GMO CLICK.

Customer Support

1. FAQ: GMO CLICK provides a Frequently Asked Questions (FAQ) section on their website. Traders can enter keywords related to their inquiries and search for relevant information. The FAQ covers various topics, including account login, password recovery, deposit/withdrawal methods, tax information, and more.

2. Inquiries by Phone: Traders can reach out to GMO CLICK's customer support team via phone. The contact number for Japanese customers is +81 0120727930.

3. Inquiries Using the Inquiry Form: GMO CLICK offers an inquiry form for customers to submit their questions or concerns. This form allows traders to seek assistance or clarification on various aspects of their trading experience.

4. Direct Mail (DM): GMO CLICK provides the option of contacting customer support through direct mail. Customers can use this method to address specific issues, such as suspension procedures, inheritance procedures, or other account-related matters.

5. Responding to Opinions and Requests: GMO CLICK acknowledges and values customer feedback. They have a system in place to respond to opinions and requests, allowing traders to provide input on their services and suggest improvements.

6. Business Operation System for Complaints and Disputes: GMO CLICK has a business operation system designed to handle complaints and resolve disputes. They outline the procedures and mechanisms through which customer concerns can be addressed.

7. Social Media Presence: GMO CLICK maintains a presence on social media platforms such as Twitter (https://twitter.com/GMO_ClickSec_PR) and Facebook (https://www.facebook.com/gmoclicksec). Traders can connect with them through these channels to stay updated and potentially reach out for support.

Conclusion

In conclusion, GMO CLICK is a regulated institution in Japan that offers various market instruments such as stocks, investment trusts, futures options, forex options, CFDs, and more. It provides multiple account types and trading platforms to cater to different preferences. GMO CLICK's deposit and withdrawal options are diverse, allowing customers to choose from a range of payment methods. However, it's important to note that GMO CLICK does not have a trading software according to the available information, and there may be limitations or restrictions on their services. Traders should verify the current status of their offerings and contact GMO CLICK directly for detailed information. Additionally, the spreads and commissions may vary depending on the trading instruments, and customers should consider these factors when engaging in trading activities.

FAQs

Q: Is GMO CLICK a regulated institution？

A: Yes, GMO CLICK is a regulated institution in Japan and holds a retail forex license. It is regulated by the Financial Services Agency (FSA) with the license number “関東財務局長（金商）第77号” and the effective date of the license is September 30, 2007.

Q: What market instruments does GMO CLICK offer？

A: GMO CLICK Securities offers a range of market instruments including stocks, investment trusts, futures options, FX NEO (over-the-counter trading), forex options, CLICK 365 (exchange trading), CFDs (Contracts for Difference), stock index binary options, and bonds.

Q: How can I open an account with GMO CLICK？

A: To open an account with GMO CLICK, you can visit their website and click on the “Account Opening” option. Choose the type of account you want to open, fill in the required information on the application form, agree to the terms and conditions, and submit the completed application.

Q: What are the spreads and commissions charged by GMO CLICK？

A: GMO CLICK offers spreads on various currency pairs, and the commissions vary depending on the trading instrument. For example, the spreads for USD/JPY are 0.2 pips, and when trading Nikkei 225 options, there is a minimum commission of 0.152% of the contract price.

Q: What are the available payment methods for depositing funds with GMO CLICK？

A: GMO CLICK offers various payment methods including Rakuten Bank, MUFG, SMBC, Mizuho, SBI Sumishin Net Bank, ANN Seven Bank, JP Yucho Bank, Resona Bank, Aeon Bank, Jibun Bank, and Saitama Resona Bank, among others. Internet banking services and deposits through ATMs or financial institution counters are also available.

Q: What are the trading platforms offered by GMO CLICK？

A: GMO CLICK provides a variety of trading platforms including FX neo, Hatchu-kun FX Plus, FXWatch!, GMO Click CFDs, Hatchu-kun CFD, GMO Click stock, GMO Click Stock for iPad, Super Hatchu-kun, and smartphone browser-based platforms for Forex OP, stock trading, and binary options.

Q: What are the trading hours and customer support options provided by GMO CLICK？

A: GMO CLICK offers customer support through various channels during specific time frames. The call center is available from 8:00 until close, and support hours vary for different types of trading activities. Customer support options include FAQs, inquiries by phone, an inquiry form, direct mail, responding to opinions and requests, and a business operation system for complaints and disputes. GMO CLICK also has a social media presence on platforms like Twitter and Facebook.