Updated September 28, 2026 · SumCue Editorial Team
Kogan.com vs Santander UK
Kogan.com
Santander UK
Higher score in this comparison
Where Kogan.com and Santander UK differ
| Compare | Kogan.comReviewSee alternativesSee alternatives | Santander UKReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Landlord, Travel, Health, Pet, Life | Auto, Home, Renters, Life, Travel, Landlord, Critical illness |
| Premium from | Not confirmed | £6 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | £100 to £500 |
| Cover limit | Not confirmed | Contents sum insured up to GBP 50,000 (Classic), unlimited (Plus) |
| Claims channels | Not confirmed | Online, Phone |
| Age range | Not confirmed | 50 and over |
Same on both: Provider type (Broker).
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Key differences
- Santander UK scores higher overall: 9.2 vs 9.1.
- Founded is lower at Santander UK: 1988 vs 2006.
- Kogan.com is available in 2 more countries.
- Insurance types: only Kogan.com offers Health, Pet.
- Insurance types: only Santander UK offers Renters, Critical illness.
Our verdict on each
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Santander UK
Santander UK suits UK households wanting everyday banking, savings and borrowing from one Financial Conduct Authority regulated bank, with an easy-access saver paying 2% variable. The charges elsewhere, 2.95% for currency conversion and 24.9% on the credit card, are where the case weakens.
Score breakdown
| Area | Kogan.com | Santander UK |
|---|---|---|
| Cost | Not confirmed | 8.8Monthly fee £0 and annual fee £0 are low, but 2.95% on conversion and 24.9% on the card are not. |
| Offer | 9.6Higher | 9.4 |
| Trust | 8.8 | 9.4Higher |
Positions in our rankings
| Ranking | Kogan.com | Santander UK |
|---|---|---|
| Credit and debit cards | 410 of 1594 | 348 of 1594 |
| Insurance | 237 of 627 | 198 of 627 |
| Life insurance | 117 of 238 | 94 of 238 |
| Car insurance | 119 of 279 | 93 of 279 |
| Home insurance | 118 of 258 | 95 of 258 |
| Travel insurance | 126 of 278 | 105 of 278 |
| Balance transfer cards | 14 of 32 | 12 of 32 |
Availability and regulation
| Country | Kogan.com | Santander UK |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 106054 |
Additional countries for Kogan.com: 3. Additional countries for Santander UK: 1.
Sources behind this comparison
Kogan.com
- en.wikipedia.org: 4 facts, checked September 26, 2026
- abr.business.gov.au: 1 fact, checked September 26, 2026
- finder.com.au: 1 fact, checked September 26, 2026
Santander UK
- santander.co.uk: 13 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Kogan.com | Santander UK |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | No annual fee | No annual fee |
| Legal entity | Kogan.com Ltd | Santander UK plc |
| Headquarters | Australia | United Kingdom |
| Founded | 2006 | 1988Lower |
| Support channels | Not confirmed | Chat, Phone, Help centre |
Credit cards
| Fact | Kogan.com | Santander UK |
|---|---|---|
| Annual fee | A$0 | £0 |
| APR | 21.99%Lower | 24.9% |
| Currency conversion fee | 3.4% | 2.95%Lower |
| Rewards type | Points | None |
| Features | Rewards | Same day funding |
| Rewards rate | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 | Not confirmed |
| Balance transfer intro period | 18 monthsHigher | 12 months |
| Balance transfer fee | 2% | 0%Lower |
| Credit needed | Good | Good |
| Perks | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection | Not confirmed |
| Card kind | Credit | Credit |
Loans
| Fact | Kogan.com | Santander UK |
|---|---|---|
| Loan amount | Not confirmed | £1,000 to £25,000 |
| Term | Not confirmed | 12 to 60 months |
| Arrangement fee | Not confirmed | 0 GBP |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Within 2 working days of releasing funds |
| Rate type | Not confirmed | Variable |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Aged 21 or over, live permanently in the UK, regular yearly income of GBP 10,500+ for loans up to GBP 19,999 and GBP 20,000+ for loans up to GBP 25,000, good credit record |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Debt consolidation, Car |
| Use cases | Not confirmed | Home improvement |
Savings
| Fact | Kogan.com | Santander UK |
|---|---|---|
| Headline rate | Not confirmed | 2% |
| Minimum deposit | Not confirmed | £1 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Instant, penalty-free access; withdrawals by website, Mobile and Online Banking, in branch or over the phone |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Mortgages
| Fact | Kogan.com | Santander UK |
|---|---|---|
| Initial rate | Not confirmed | 4.28% |
| APRC | Not confirmed | 6.2% |
| Fixed period | Not confirmed | 2 years |
| Maximum loan to value | Not confirmed | 95% |
| Product fee | Not confirmed | £999 |
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer, Buy to let |
Where each stands against the rest
| Fact | Kogan.com | Santander UK | Median |
|---|---|---|---|
| Premium from | Not confirmed | £6below the median | £7.73 |
| Excess from | Not confirmed | £100 to £500highest quarter | £30 |
Median across 37 listed providers.
Pros and cons
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Santander UK
Pros
- The easy-access saver pays 2% at a variable rate with instant, penalty-free access, and deposit protection is FSCS up to GBP 85,000.
- Personal loans of £1,000 to £25,000 over 12 to 60 carry an origination fee of 0 GBP, and early repayment is free.
- Regulated in the UK by the Financial Conduct Authority, with support on chat, phone and help centre.
Cons
- Currency conversion on the basic current account costs 2.95%, against 1% for a typical brand on the site.
- Credit card borrowing runs at 24.9%, well above the 15.5% typical across the site.
- Rewards on the everyday credit card are none.
Who each suits
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Santander UK
Who it suits
- Households that want a current account paired with an easy-access saver.
- Borrowers consolidating debt or funding home improvement, given a good credit record and a hard credit check.
- Savers who want instant, penalty-free withdrawals by app, in branch or over the phone.
Who should look elsewhere
- Wise, for regular sending and converting abroad, where the conversion fee is 0.1%.
- bunq, whose plan is priced in euro with a monthly fee of €0, fits euro-based banking better.
- The Varo Believe Secured Credit Card, if a US dollar card with a monthly fee of $0 is the goal.
Current offers
Santander UK
Current offer
Bonus
Get 240 GBP for switching to Everyday Current Account: 240 GBP
Switch to Everyday Current Account
Source, checked September 26, 2026
Country by country
| Country | Kogan.com | Santander UK |
|---|---|---|
| Australia | Yes | No |
| New Zealand | Yes | No |
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Santander UK
What does the everyday current account cost?+
The monthly fee is £0, and the everyday credit card carries an annual fee of £0. The charge to watch is currency conversion at 2.95% on the basic current account, and help is available on chat, phone and help centre.
Is my money protected?+
Deposits are covered by FSCS up to GBP 85,000, and the bank is authorised and regulated by the Financial Conduct Authority in the UK. Savings pay 2% at a variable rate with instant, penalty-free access.
Other options to compare
Other matchups
Kogan.com
Santander UK