STOP PRESS. Today I attempted to check my balance on that account and it has disappeared - with all the funds. Seriously, you may think, 'it won't happen to me,' but it might, Santander have blocked me from using their services after 11 years in Kazakhstan, because, they said, 'I live in Kazkahstan'. I am thinking right now - $2,000 down the toilet !!!!!!!! You may earn more than me, that sum was for me 10 years' savings, if you are on a decent salary and you can set more aside than I can, good luck keeping it.