Santander USA Customer Service

Phone Number & Contact Info

Santander USA's Best Phone Number

800-526-0157
Toll-free·Calls Customer Service·Most popular Santander USA number
Q:

How do I talk to a live human at Santander USA?

A:Press 1, then 0 repeatedly OR wait and Press 6. For help with Titles.
Q:

Does Santander USA offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Monday.
Q:

How long will I wait on hold?

A:The average hold time is 89 minutes. The longest hold times are on Tuesday, and the shortest are on Friday. How is this calculated?

Santander USA Customer Phone Numbers

Pay by Phone

888-222-4227
Toll-free · 24 hours, 7 days · Press 1, then 0# repeatedly ·

Funding Call Center

800-877-4696
Toll-free · 24 hours, 7 days · For the Funding Call Center ·

CarMax Funding Call Center

800-378-0949
Toll-free · 24 hours, 7 days · For the CarMax Funding Call Center ·

RoadLoans Credit/Funding Call Center

888-276-7202
Toll-free · 24 hours, 7 days · For the RoadLoans Credit/Funding Call Center ·

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Santander USA phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 1, then 0 repeatedly OR wait and Press 6. For help with Titles.
Below are some clips we've found from Santander USA's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"You for calling Santander Consumer USA. Please be aware that this communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Calls are monitored and recorded for quality assurance purposes. Press one for English or two for Spanish. Did you know that Press one for payoff related questions."
Excerpt from a call with Santander USA
Wednesday, February 21, 2024 7:05 PM

What are the hours and when should I call?

Santander USA operates the call center for this 800-526-0157 phone number 24 hours, 7 days. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 243 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Santander USA phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Santander USA staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Santander USA is Sunday. The most busy day to call is Monday, which averages 189% more phone calls by comparison. Again, this is based on a sample of 243 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Busiest
Tue
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Tuesday.

The best time to call Santander USA

In summation, the best day to call Santander USA is Wednesday.

Why Customers Call Santander USA

If you have time to do a bit of reading before you call Santander USA, we recommend you read over some of our problem-specific articles.

What is the overdraft fee for my Santander account?

The overdraft fee for your Santander account varies depending on the type of account you have. For the Santander Simply RightSM Checking account, the overdraft fee is $35 per item, up to a maximum of six items per day. For the Santander Premier Plus Checking account, the overdraft fee is $35 per item, up to a maximum of six items per day. However, if your account maintains a positive balance at the end of the business day, you will not be charged an overdraft fee. It's important to note that overdraft fees can be avoided by maintaining a sufficient balance or by linking accounts. Please refer to the account terms and conditions or contact us for specific details regarding your account's overdraft fee.

What is the minimum balance requirement for my Santander account?

The minimum balance requirement for a Santander account varies depending on the type of account you have. Santander checking accounts generally do not have a minimum balance requirement, which means you can maintain a zero balance if you wish. However, certain accounts, such as savings accounts and money market accounts, might have a minimum balance requirement. It is recommended to review the terms and conditions specific to your account or contact Santander customer service for accurate information regarding the minimum balance requirement for your particular account.

How Do I Elect Ebills in My Santander Account?

Log in to your Santander account, and click the Billing tab under My Services section. Go to the My Accounts tab. Scroll down to the eBill section. Click the Change button. Select your statement timeframe, currency and delivery method of choice. Enter your email address to receive eBills. Click Confirm. A pop-up message will notify you that the changes were successful.

Top Santander USA customer service problems

Click the link above to get answers to just about any Santander USA customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Santander USA, and their purpose. Are any of these similar to the reason you are trying to call?
Requesting lien release: "I really just need my lien release. It can be emailed. It can be faxed. I don't care."
- From a call lasting 5m 59s , Mar 8, 2024 6:12 PM

More Santander USA Customer Service Contacts

There are of course other ways to contact Santander USA customer service besides the phone. Below we list the best ones, by medium.

Santander USA Customer Help Desk / Web Support

santanderconsumerusa.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Santander USA customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Santander USA's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Santander USA agent. This phone number is Santander USA's best phone number because 4,032 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-526-0157 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call Santander USA first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Santander USA has 5 phone numbers. It's not always clear what is the best way to talk to Santander USA representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Santander USA. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Santander USA. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

Call with our super-powered phone
  • Click to call- even from your desktop
  • We dial and get a human for you
  • AI-powered suggestions of what to say
  • Keep a transcript and other stats
  • Free, unintrusive: no account needed

Compare Santander USA Customer Service

Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!