It does what it needs to do but I personally think the UI is quite unfriendly. A lot of things hidden behind menus and you have to explore the application to find out where functions are. Compared to other banking apps, I found this to be one of the most confusing that I have experienced and would like to see a redesign of it. Furthermore, the app seems to crash after sending money on my Samsung S21+ running on OneUI 4. It would either freeze my phone immediately or during the process of sending money, or soon after even if the app is closed and I would have to force reset my phone. Devs, please fix this. It's an annoyance that makes me want to stop using this function but I simply cannot, As functionality of the app is what I care about the most. This clunky application from Santander would actually make me stray away from using the services Santander offers and would opt to go to competitors. If I'm honest, I'm only using this bank for their Student Account and the benefits that they bring.