well, it doesn't surprise me as to Santander....
On Saturday I went on-line and sent my daughter money. As of yesterday and today, it had not arrived.
I tried contacting them - twice by their on-line chat - not working. Then by phone yesterday evening and this afternoon - both times their voice recognition doesn't work. I had to wait 20 minutes yesterday to get a human, 30 today. Yesterday I wanted the transaction number so that my daughter could contact her bank - 15 minutes on hold (the last time I had this was with Lloyds and it took them two minutes). Today, we enacted the trace - another 3 minutes - so in total very close to 90 minutes on the blower - I've asked them for compensation for the phone bill.......Chaos over there it seems and there was a message that they had an issue with m-card transaction hitting accounts......