Thankfully I don't bank with Santander (unfortunately my daughter does and confirms the general level of incompetence), I just have a cash ISA opened when it was still Abbey. I was tempted to try to open their e-saver account recently offering a decent rate of interest, only to be confronted by questions like - what is your job, how much do you earn, who is your employer... When I questioned the need for this for a savings account, I was told it's Santander policy! Needless to say I have gone elsewhere (Natwest actually, with whom I have banked for over 40 years and with whom I have never experienced any problems!)