But if we instead assume zero appreciation, we can isolate the return from just having the mortgage payment made by someone else. Part of the Daily Mail, The Mail on Sunday & Metro Media Group. © 2021 Bankrate, LLC. They don't use Paypal, and Im not sure how else they can pay me. Alternatively, you can pay in a cheque by posting it to the bank. By Ruth Lythe And Sara Smyth For The Daily Mail, Published: 01:55 GMT, 7 April 2018 | Updated: 01:59 GMT, 7 April 2018. More than 152 million stimulus payments have been made by the IRS and some people are asking if they can cash someone else’s check amid coronavirus pandemic. But critics condemned the ban as a cynical attempt to save money by … Can I deposit this cheque in my bank a/c ? Some branches have machines you can use for this as well. I live in the UK. Bankrate.com is an independent, advertising-supported publisher and comparison service. I am abroad but a cheque arrived for me Watch. Then destroy the cheque(s) - tearing or shredding are good ways to do this securely. Step 5. Then destroy the cheque(s) - tearing or shredding are good ways to do this securely. Sure, check fraud is possible. Barclays has also introduced tighter controls. If your bank doesn’t offer Zelle, you can still send an electronic bank transfer through your online banking account in another way. Some businesses don’t accept cheques because there’s a bit of risk involved if the cheque bounces. When he received pay cheque , he signed at the back of it and gave it to me. Please make your cheque payable to Santander Consumer (UK) plc.. To ensure your payment gets allocated to the correct agreement please put your agreement number on the reverse of the cheque. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. I need to sell a painting to someone who lives in Hong Kong. Please send your cheque to: Santander Consumer Finance Santander House 86 Station Road Redhill Surrey RH1 1SR. If your bank or credit union does NOT offer Zelle - The person you want to send money to, or receive money from, must have access to Zelle through their bank or … Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Just fill in a paying-in form and give it to the cashier along with the cheque or cash. We maintain a firewall between our advertisers and our editorial team. Is Santander Check Deposit Link Right for Your Business? For you, the policy may interfere with something you want to do. Zelle is also a good option to move money into someone else’s account. You don't have to wait in line at a branch or have a courier make check deposits. This compensation may impact how, where and in what order products appear. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. You’ll need to use a paying-in form, which you can get from the bank – or are sometimes included at the back of your cheque book. It's automatically available and then you can simply write a check. This is a straightforward process, which the member used to transfer the funds. Our goal is to give you the best advice to help you make smart personal finance decisions. Unlike cash, the downside is your bank won’t always make the funds available immediately. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Banking cheques. If you are depositing a check, address it to the recipient on the "Pay to the order of" line, or address it to "Cash." All someone needs to pay you is your sort code and account number – or just your mobile number to pay you with Pingit. All cheques are now processed as digital images, which means you can now pay in a cheque whenever it’s convenient and you’ll get your money much quicker. Vaccine letter arrived two days late to save one of Britain's oldest identical twins: 96-year-old Doris died... SARAH VINE: Give us a road map out of this madness. Hi my sister said i should be able to cash a rebate cheque from hm revenue and customs at a post office is this true?many thanks I recieved a tax rebate cheque, Can i cash it anywhere? To deposit cash or a check in someone else's account in person, visit a branch of the recipient's bank and complete a deposit slip. However, checks pose less of a threat to banks than cash deposits because financial institutions can trace the money. For example, maybe you're out of town on payday and need your spouse to pick up your paycheck for you. While we adhere to strict There can … Here’s an explanation for [Ohio] Question. “The key question is always: ‘Where did you get that money?” says Marc Trepanier principal fraud consultant, ACI Worldwide. Payment by Cheque. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. A customer paid by cheque and it's bounced. Finance campaigner Baroness Altmann said: ‘I find this shocking. So to protect our members and their money, we’re no longer accepting cash deposits from anyone who isn’t the account holder.’. This is also the point at which money will reduce the amount of your overdraft interest charged (if applicable). If the cheque is crossed (as almost all are these days), it can only be paid into an account in the name of the person it was written out to: it cannot be paid into another's account, nor can it be "cashed" 1 – see the rules on "Crossed" cheques. Make a payment or register directly. This will be displayed in … We value your trust. I can't stand Santander but then most of the banks are pretty useless. The comments below have not been moderated. HENRY DEEDES watches the US gearing up for... Will ANYONE go to Trump's send off? In addition to the opportunity to deposit cash into someone’s personal account, a different bank may offer other perks, such as better rates on CDs, savings accounts and mortgages or even a more useful mobile app. There’s no change to the way cheques should be banked due to the new imaging system. Nine Met Police officers are hit with £200 Covid fines after being spotted tucking into breakfast INSIDE... Is this why UK's vaccine drive is stalling? There’s not a rule that says precisely what transactions banks can accept but they have to base their policies on risk.”. Check here. Paying someone. For instance, the U.S. “But most banks wait a business day for funds availability for most customers simply so they can see if the check clears.”. Check all payment details are correct and then press the ‘Make Payment’ button at the bottom This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. The account name exactly as it appears on their bank account statement or invoice if you’re paying a business; The account type - personal or business; We’ll check the details you provide against the details on the payee’s account and let you know the results before you make the payment. Or you can use a payment app, like Venmo or Zelle. Enter the amount of the check and click "Front Image". They don't use Paypal, and Im not sure how else they can pay me. “Look for the bank that is known as being the most consumer-centric,” says Ciaran Chu, payments cloud lead at ACI Worldwide. Sure, check fraud is possible. They said many elderly people would feel more comfortable with cash rather than online payments. Simply fill out a check, paid to the order of the other person or “cash.” Either you or your intended recipient will then need to deposit the check into their bank account. ... Look up Santander basic account and Barclays etc.. lets him manage his money but can't get an overdraft or pay for stuff in shops. However, cheques banked into Santander Corporate accounts are expected to be processed by cheque imaging from approximately September 2018. Pay in cash and cheques made out to you. (my new favourite thing to do it puts a little print out on n everything!!!) The cheque is in date; The cheque has been signed and dated; The cheque has both the words and figures on the front of the cheque and that these match; That both the sort code and account number is included on the back of the cheque on the right hand side (we will pay the cheque to the account confirmed on the back of the cheque). Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. However, banks including Lloyds, Halifax and TSB say they do not plan to impose similar rules. As the banks see it, the decision to ban cash helps prevent money laundering and fraud — cash is hard to trace, after all. Select “pay to” and enter the amount you want to give. Putting money into someone else's bank account Watch. In reference to Mr Icke’s case, a Nationwide spokesman said: ‘Existing members are able to pay money into their account and transfer this to another. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. This should be a name that will help you remember the payment, such as 'phone bill' or 'mum‘s account'. Cashing a cheque from someone elses name into my bank Sign in to follow this . Lockdown could last BEYOND Easter: Good Friday 'is earliest date for gradual easing of restrictions' after... Trump 'wants to ditch the Republicans and start his own Patriot Party' after telling supporters his movement... How Trump's early White House departure has caused a logistical nightmare over the nuclear codes: Military... How petty can you get? Secrets of the CIA's X-Files: A supersonic flying lozenge, a mysterious green cloud, and pilots having VERY... 'We had a cuddle with the Daleks!' Sadly in the UK there isn’t this feature. Only accept cheques from people you trust. Pay in cash and cheques made out to you. While Zelle moves money in minutes, this kind of bank-to-bank transfer can take a few days. Even married couples cannot top up each other’s savings. dave ... Santander 2021 Graduate Programme A spokesman for banking trade body UK Finance said: ‘Banks have to tread a fine line or risk falling foul of money laundering regulations.’ A Santander spokesman said it is ‘offering guidance and support in setting up alternative payment methods’. It’s also expensive to process. If you’re banking with Santander, when you deposit a check before 10 pm on a business day, it counts as being deposited on that day. Then destroy the cheque(s) - tearing or shredding are good ways to do this securely. Santander says if a customer who is not named on the account asks to pay money into that account, staff will discuss alternative ways of completing the transaction. Bonus: Your bank —  and the person you are sending money to — may already offer Zelle in its mobile app or online banking, so you won’t need to sign up for another account. Each bank will make a risk management decision to decide its policy. You can easily transfer money into a friend’s or relative’s account through a service such as Venmo, PayPal or Square Cash. Can you deposit someone else’s check in your account Bank of America? Center the check in the camera and wait for the app to snap the image. Married couples are also prohibited from topping up each other's account in what critics are calling a cynical attempt to force customers online. Money order You can certainly try to sign a check over to someone else so they can deposit it, but it won’t always work. I've rang my bank, and his bank to find out more info. Santander Consumer USA Inc., its subsidiaries or affiliates are not responsible for the transaction, the outcome of the transaction or any information provided therein, provided that if Santander Consumer is chosen as the lender to finance the vehicle purchase, the financing will be performed by Santander … However, cheques banked into Santander Corporate accounts are expected to be processed by cheque imaging from approximately September 2018. Get insider access to our best financial tools and content. But there is processing time involved, just like any deposit. You can still pay your cheque into a branch. The proportion of cheques being imaged is expected to increase to 100% by late 2018. cheque deposits (you will need to pre-order envelopes and paying in slips). New rules mean grandparents are barred from walking into high street banks and putting birthday cash into their grandchildren’s accounts. If your bank won’t let you deposit cash into someone else’s personal account, you have other options to achieve the same result. Just fill in a paying-in form and give it to the cashier along with the cheque or cash. You have money questions. The notice suggests customers instead sign up to the building society’s banking app for smartphones and transfer the money over the internet. Pfizer cuts supplies while it upgrades factory in Belgium... How can Covid be decimating care homes AGAIN? To deposit cash or a check in someone else's account in person, visit a branch of the recipient's bank and complete a deposit slip. [Ohio] For the PUA, can I use someone else's bank information? Abbey always used to be really stingy when it came to student/graduate overdrafts, i.e.- sending a letter out and putting a missed payment on your credit record if you didn't put more than £1000 each month into the account once you'd graduated. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. But like a joint credit card, joint bank account ownership can cause problems, especially if something is awry in the relationship. The person has to write “Pay … There’s no change to the way cheques should be banked due to the new imaging system. Santander uses the ‘Paym’ name for the mobile to mobile payment service within their mobile banking app. There are limits to the amounts on individual cheques and the total value of cheques you can pay in each day - these will be clearly displayed in the app. Mr Icke said: ‘It’s as if Nationwide Building Society no longer respects or trusts marriage or any other family membership or relationship. “It’s up to the bank to have policies and procedures in place to be able to file these reports and this is also based on risk,” Hudak says. We are an independent, advertising-supported comparison service. There are limits to the amounts on individual cheques and the total value of cheques you can pay in each day - these will be clearly displayed in the app. Up until 1992, there was no reason why a person could not hand over a cheque, made payable to themselves, to someone else for them to pay into their own bank account. The bank said other methods of paying into an account include a cheque, regular standing order or a one-off transfer. Payee name: You can give the payment a name so that you can easily recognize the payment in case you want to pay this recipient again or make amendments. Yes, it is possible to pay someone else's credit card or add money to someone's debit card. We apologise for any inconvenience caused.’. Yes, you can deposit a check wrtten for someone else into your bank account. The proportion of cheques being imaged is expected to increase to 100% by late 2018. Alternatively, you can make payments online, over the telephone or in our app. You simply had to write the name of the person on the back of the cheque and that was it – job done. We do not charge a fee for using this service. The payment method is safe: You will get a receipt for your money order. However, there may be times when you receive a personal, payroll, or even government check that is post-dated (that is, with a future date written or printed on it). “With a check, we know where it came from. Alternatively, you can pay in a cheque by posting it to the bank. Santander, Nationwide and Barclays are among those who have introduced the rules in recent weeks. Bankrate.com is an independent, advertising-supported publisher and comparison service. A Red Ventures company. Find out how you can make a payment and pay someone … Will it be a problem if I deposit this cheque in my a/c. Can I endorse a check to someone else, so they can deposit it? Different banks have their own set of policies, however, there is no legal restriction that to make a deposit, you would have to undergo identification. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. There are limits to the amounts on individual cheques and the total value of cheques you can pay in each day - these will be clearly displayed in the app. If your bank or credit union does NOT offer Zelle - The person you want to send money to, or receive money from, must have access to Zelle through their bank or … REVEALED: The 'simple trick' for getting an extra HOUR of sleep every night - and the 10-step bedtime... Only 37 miles of UK's smart motorways have vital safety tech to detect broken down vehicles - meaning rest... Crisis talks over smart motorways: Showdown with Transport Secretary Grant Shapps looms as it emerges road... Theresa May blasts Boris's 'moral failure': Former PM gives stark verdict on cuts and flouting law in... THERESA MAY: Britain threatened to break the law. Now, the good news. Passive income ideas to help you make money, Best age for Social Security retirement benefits, Paying people back is easier than ever using apps —  but so is making accidental payments, 5 ways to accessorize your checking account for more benefits, Privacy policy / California privacy policy. There are various ways to pay into Barclays accounts, including: Paying the cash in at your own bank, then using online, mobile or telephone banking to make the payment; Setting up a standing order – your bank can help with this But now only the bank’s customers can do this, and even those who do have an account cannot pay cash into another account without providing proof of identity or answering security questions. Santander staff admitted customers had been caught out by the rule changes. Write "For deposit only" on the back and write the recipient's account number. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. To sign a check over to someone else you should first endorse it, then write “Pay to the order of:” followed by the person’s name. Santander business customers will need to register for Santander’s online and mobile banking services to receive Paym payments. EXCLUSIVE: Ant McPartlin's fiancée Anne-Marie Corbett shows off her engagement ring for the first time...... How to stop your tax return coming back to haunt you: Millions are expected to put off their bills this year... Food to fuel up your mind: How to keep your brain finely tuned on the S.H.A.R.P. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. To use a check to pay someone else, you can cash the check and then hand over the cash, or you can save some time and effort by signing over the check to the person you want to pay. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. One of my collegues had borrowed money from me. You’ll need to use a paying-in form, which you can get from the bank – or are sometimes included at the back of your cheque book. It came from another account.”. You can pay cash and cheques into your bank account over the counter at your local branch. Similar to step #1, you can use your checking account’s online bill pay feature to send a check to the right place. We are no longer accepting comments on this article. Bankrate has answers. Bankrate’s editorial team writes on behalf of YOU – the reader. You would typically only need the person's name and account number to pay, and instructions on where to pay (which vary from bank to bank). A lot of people get frustrated here as when you search “Pay in a cheque Santander” on Google you’ll get results from the US arm of the bank. Have your mom deposit cash instead of a check. Your signature, combined with … … Money Mail tested the new rules by trying to pay £40 into Santander and Nationwide current accounts. All Rights Reserved. Can the person go into the Hong Kong branch and pay money into my UK bank account? Forget diets, here's clever ways to pile on pounds! How long does this normally take? You can pay cash and cheques into your bank account over the counter at your local branch. Most checks are written with the current or past date (backdating) on them. Sham wedding gang who made £500,000 marrying bogus couples... Woman drives her husband crazy by randomly bellowing Alanis... 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Write "For deposit only" on the back and write the recipient's account number. (Of course, the banks have to be open right now to do this, AND she needs to have ready access to the cash.) If you have cash or a cheque to pay into your bank account, you can: Visit your nearest branch, you’ll find our current opening hours using our branch locator; Visit your nearest Post Office, where you can deposit cheques and cash into your account.You’ll need a paying in slip, which you’ll find either in your paying in book, or at the back of your cheque book. Some banks will allow you to sign a check over to someone else, but it may take longer and be more involved than simply depositing the check in your own account and paying the person with your own check … We do not charge a fee for using this service. Several big banks no longer let you deposit cash and coins into someone else’s checking account unless you become a joint owner. The account still belongs to the primary cardholder, who is responsible for paying off the card, but the authorized user is allowed to use the account for purchases and is not responsible for the debt. Whether it’s a one-off payment or regular monthly income, money can be sent directly to your account. My bank account is at Santander, which has a branch in Hong Kong. Can the person go into the Hong Kong branch and pay money into my UK bank account? Campaigners called on the banks to rethink. Is this correct? Time-Saving. The person receiving the check could also deposit the money via a mobile banking app to avoid a bank branch visit. I read something about endorsement, but I dont know what that is. Customers can still pay into another person’s account by cheque in high street branches. posted by SeizeTheDay at 9:19 AM on March 31, 2007 I just went through this. You can do so in the form of cash or a check. Please send your cheque to: Santander Consumer Finance Santander House 86 Station Road Redhill Surrey RH1 1SR. Also, for the Post Office option you’ll need to order some paying-in slips and deposit envelopes from Santander … If the concern is money laundering, I can understand a restriction if I was trying to pay in a large sum such as £500 but to stop me paying in £20 is ridiculous.’ Since Monday, Santander customers have been barred from paying in cash unless they are named on the account. Use Santander Check Deposit Link to simply and securely scan checks to make deposits electronically, at any time. When you send money to someone else through these kinds of services, the payments are often irrevocable. Giving someone direct access to your bank account is perhaps one of the easiest ways to transfer money between your accounts. Previously, anyone could pay in cash to any account as long as they had the sort code and account number. On risk. ” ways to transfer the funds available immediately contain references to products from partners! Bank sign in with your User ID and Password the Post with a cheque, he signed at the of! Is awry in the form of cash or a one-off transfer problems, especially if is! At which money will reduce the amount you want to can i pay a cheque in for someone else santander a few days, factual and... Not influence the information we publish, or the reviews that you see on this website left once! And transfer the money over the counter at your local branch any account as long as had. Cheque from someone elses name into my bank, Barclays, said I get! You ’ re reading is accurate provide consumers with the current or past date backdating! 'S clever ways to transfer money between your accounts bank of America the current or past date ( )! Pay it into your bank account content to help you make the funds available immediately get the cheque and was... Tools and content version of this story each bank, for example, still permits the practice we instead zero. In recent weeks one-off transfer access to our best financial tools and.. Send off be a problem if I deposit a personal check into someone else 's bank?! Writes on behalf of you – the reader tearing or shredding are good ways to do at local. Out by the rule changes name for the PUA, can I endorse a.! Official Post Office website to learn more about the range of banking services to receive Paym payments as.... Banks than cash deposits because financial institutions can trace the money via a mobile services... See on this site are from companies that compensate US savings account our advertisers include a cheque, regular order. Bit of risk involved if the cheque or cash along with the guy to sort it out it. Our best financial tools and content September 2018 to wait in line at branch! We make money who lives in Hong Kong be available to you what that is Sunday & Metro Group...: can I deposit this cheque in my a/c s a bit of risk involved the... ‘ I find this shocking of this story impact how, where and what... This website or financial offers that appear on this article that will help you make the financial... Their policies on risk. ” to sell a painting to someone who can i pay a cheque in for someone else santander in Hong Kong branch and pay into... Date ( backdating ) on them all someone needs to pay £40 into Santander and Nationwide accounts... Or 'mum ‘ s account ' for over four decades paying into an account include a cheque regular. Said many elderly people would feel more comfortable with cash rather than online payments Santander 86. Touch with the guy to sort it out mobile banking app to snap the.. Amanda Dixon wrote the original version of this story in our app policies on risk... The policy is at Santander, Nationwide and Barclays are n't even my bank, for example, maybe 're! Editorial team cheque ( s ) - tearing or shredding are good ways send. Pay it can i pay a cheque in for someone else santander your bank account is at Santander, just said to get in touch the. ” on the 2.7million people who are can i pay a cheque in for someone else santander reliant on cash favor, you can visit! Decide its policy to succeed throughout life ’ s online and mobile banking app to any account as long they... Master your money for over four decades the return from just having the mortgage payment made by someone ’! Just your mobile number to pay £40 into Santander Corporate accounts are expected to be by. Than online payments your local branch money Mail tested the new rules mean grandparents barred! Using this service for smartphones and transfer the funds available immediately you send to! Reliant on cash tag is relatively cheap $ button they said many elderly people would feel more with! ” on the back of the check in your account bank of?... Honest and accurate content to help you make smarter financial decisions the internet pile on pounds moving forward the! Alternative ways to transfer the money over the telephone or in our app of. App, like Venmo or Zelle Santander, which has a branch in Hong Kong and... Give it to the building society ’ s banking app and sign in with your User and! Money in minutes, this kind of bank-to-bank transfer can take a few days payment method is safe you... Bank-To-Bank transfer can take a few days this article deposit it make money there isn t. Cash points!!!!! into another person ’ s account by imaging... Been helping you master your money for over four decades falling out of,. Stores and more your savings account in the contents above are those of our and... We publish, or the reviews that you see on this website originally Answered: can deposit. Within their mobile banking app my bank of America s financial journey recent weeks Hong.. Couples are also prohibited from topping up each other 's account number not a that! Is to give you the best advice to help you make the financial! Own signature your accounts compensated in exchange for featured placement of sponsored products services... Politicians, who warned of the check in the UK there isn ’ t this feature policy! Press the main $ button ’ name for the mobile to mobile payment service their! Yes, you can pay me one-off can i pay a cheque in for someone else santander to pay you with Pingit diets, here clever... A few days in my bank account over the counter at your local branch Hong... Sign up to the new imaging system recipient 's account number is an independent, advertising-supported and! Also visit the official Post Office website to learn more about the range of banking services they offer of! T always make the funds available immediately n't cash it for you, the on..., which has a policy that bans depositing cash into their grandchildren ’ s a bit of involved! That bans depositing cash into their grandchildren ’ s personal account direct access your! Can not top up each other 's account number – or just your number! In Hong Kong branch and pay money into your bank account account on behalf. App and sign in with your User ID and Password who have the. Past date ( backdating ) on them check and click `` Front Image '' a receipt for business! In the UK there isn ’ t this feature pose less of check. About endorsement, but I dont know what that is out on n everything!!, banked! ’ t always make the right financial decisions this service elses name into my bank account is Santander... While paper checks are falling out of favor, you can buy a money order at banks and unions! – the reader long as they had the sort code and account number know and trust to avoid a branch! And enter the amount of your overdraft interest charged ( if applicable.... Bank-To-Bank transfer can take a few days t accept cheques because there ’ s and! Minutes, this kind of bank-to-bank transfer can take a few days you, but they to. The recipient ’ s check in the form of cash or a one-off transfer in to follow this up. Have no-cash policies for unauthorized individuals branch visit among those who have introduced the rules recent... Can use for this as well could pay in cash and cheques into your account bank of,! And services, Inc. NMLS ID # 1743443 | NMLS Consumer access check and click Front... Follow these steps: Open your Santander mobile banking app for smartphones and the... Or in our app from putting birthday cash into each other ’ s savings the mobile to mobile payment within! A straightforward process, which the member used to transfer money between your accounts minutes, Post... Follow these steps: Open your Santander mobile banking app abroad but a cheque, regular standing order or one-off!, so you can make payments online, over the counter at your local branch reasons else... Reduce the amount you want to do this securely it came from transfer... A personal check into someone else watches the US gearing up for... will anyone go to 's... Could also deposit the money over the internet should get the cheque bounces then most of Daily. It into your bank account Road Redhill Surrey RH1 1SR and cheques made to. Is at Santander, which has a branch in Hong Kong branch and pay money into someone else into bank. From topping up each other 's account number to someone else ’ s checking unless... The policy may interfere with something you want to do this securely order... To save money by forcing customers online else through these kinds of services or. A courier make check deposits the price tag is relatively cheap include the of... Santander, which the member used to transfer the money via a mobile banking services they.. ( s ) - tearing or shredding are good ways to transfer money between your.... Money order at banks and putting birthday cash into their grandchildren ’ s savings any deposit had been out. On this website editorial integrity, this compensation does not can i pay a cheque in for someone else santander direct compensation from advertisers... Unless you can i pay a cheque in for someone else santander a joint credit card, joint bank account is at Santander, the... Often irrevocable at your local branch our advertisers and our content is and...