Santander UK has announced plans to discontinue several text message alert services for personal and business banking customers, with the changes taking effect May 12, 2025. The move is part of the bank’s strategy to modernize its services and encourage greater use of digital banking platforms, following the institution’s broader investment in advanced authentication technologies like voice biometrics and facial recognition.
The discontinuation will affect multiple types of text alerts, including balance notifications when accounts fall below or exceed specified limits, transaction alerts for deposits and withdrawals above preset amounts, and weekly account summary messages. However, regulatory-mandated alerts such as overdraft warnings and declined payment notifications will continue to be sent via text message in compliance with UK banking regulations.
The bank cites evolving customer preferences and increased adoption of digital banking as key factors behind the decision. Mobile banking applications now provide instantaneous account updates and notifications without the limitations inherent to SMS messaging. Security considerations also influenced the change, particularly given the rise of SIM swap fraud targeting traditional SMS-based banking services. Modern mobile banking apps offer enhanced protections like two-factor authentication and biometric login capabilities that are not available through traditional text alerts.
To ensure customers remain informed about their accounts, Santander has outlined several alternative notification methods. The Santander Mobile Banking app enables push notifications for transactions and balance changes, while the Online Banking platform allows customers to monitor accounts and configure custom alerts. The app incorporates advanced security features similar to those implemented by other UK financial institutions, including biometric authentication checks for enhanced security.
The transition will affect Santander UK’s customer base, particularly those who have relied primarily on text alerts to manage their finances. The bank emphasizes that digital banking channels provide more comprehensive account insights and real-time information. Support will continue to be available through customer service channels and local branches for those requiring assistance with the transition, especially important for customers who may need help adapting to digital banking solutions.
The shift represents broader industry trends toward digital-first banking solutions, with financial institutions increasingly focusing on mobile applications and online platforms as primary channels for customer communication and account management. The change supports the UK’s broader push toward digital transformation in financial services, including the development of national digital ID initiatives that aim to enhance security and convenience in online banking.
Sources: Colitco, London Business Magazine, Sky News
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