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The main concern with Santander is that their Investment Advisory License is marked as "Exceeded," meaning they no longer hold the regulatory oversight they once had for investment services. If you're interested in Santander investments, especially in complex products or advisory services, this could be a major drawback. The bank does not currently offer specific trading platforms or leverage options that traders often seek, such as those provided by MetaTrader 4 or 5. Additionally, the lack of transparency about deposit and withdrawal fees is concerning. As a user of the Santander login and online banking, I found the process straightforward, but I still believe that the lack of fee transparency could create challenges for those who plan to make larger transactions or manage multiple investments. Overall, while it’s a reliable bank for personal financial needs, those interested in trading or investment advice may find Santander lacking.