Connect Claude or ChatGPT to Santander UK (2026)

Santander UK works with Claude and ChatGPT through Era. You link your Santander accounts over open banking, approve the connection in the Santander app, and your assistant can then answer questions about your spending, your bills and your cashback from your real transactions, beside every other bank you use.

How do I connect Santander UK to Claude?

Link Santander in Era, then add Era to Claude. Era reads your Santander accounts through open banking, so you approve access in the Santander app and never share your online banking details. Claude then has one connection to everything you have linked, and setup takes a few minutes.

1. Sign up at era.app and choose Connect your bank.
2. Search for Santander and continue to the Santander app.
3. Approve the accounts you want to share, then return to Era.
4. In Claude, add Era from the connector directory, or use https://context.era.app/mcp as a custom connector.
5. Approve the consent screen and ask a question.

The guide to connecting Claude to your bank account has the full walkthrough.

What your assistant can see in Santander UK

Era brings in your Santander current accounts, savings accounts and credit cards, with the transactions behind them. If you have a 123 Lifestyle account, the cashback on household bills and the monthly fee are both in the transactions, so an assistant can work out whether the account earns its keep for you.

Santander's round-ups and savings features are worth asking about too. An assistant can total what the round-ups saved this year, show which bills earned cashback, and set all of it beside the money you keep elsewhere, which the Santander app cannot do.

Can ChatGPT read my Santander account?

Yes. ChatGPT reads Santander through the same Era connection as Claude, so linking once covers both. Add Era as a connector in ChatGPT, approve the consent screen, and ask about your cashback, your card spending or how your balance moves across the month.

Connect ChatGPT to your bank account has the steps.

Does Santander work with Gemini?

Yes. Gemini can use Era as a connector and read the Santander accounts you share. It suits questions such as how your Santander spending has changed over six months, or which bills leave the account on the same date each month, and you can switch it off in Era.

Does Santander work with Perplexity?

Yes. Perplexity can use Era as a connector, so it can pair its research with your Santander figures. You might ask it how current account fees and cashback compare across the market, and have it read what you actually earned and paid at Santander.

Does Santander work with Grok?

Yes. Grok reads your Santander accounts through Era once you approve the consent screen. Add Era as a connector in Grok, accept the consent screen, and it can answer direct questions about your Santander transactions from what really happened, with no banking details shared.

Does Santander work with Meta's Muse?

Yes. Meta's Muse can connect to Era and read the Santander accounts you have shared. You approve it on Era's consent screen, you can switch it off whenever you like, and your Santander connection stays in place. Muse sees only what you allow, and never your Santander password.

Does Santander work with Instinct?

Yes. Instinct connects to Era and reads your Santander accounts along with the rest, so a question about your regular payments or your cashback gets an answer from your real transactions. You approve access in the Santander app, so no assistant ever handles your login.

Questions to ask about your Santander money

• "How much cashback did my Santander account pay me this year?"
• "Is the monthly account fee worth it for the way I use it?"
• "How much have my round-ups saved since January?"
• "Which direct debits leave my Santander account, and when?"
• "Where is my Santander card spending rising fastest?"

Does Santander UK have its own API or MCP server?

Santander UK supports open banking and has a developer portal for firms. It does not publish a ready-made connector for Claude or ChatGPT that a customer can add. Era supplies the connection: link Santander once, and every assistant you use reads the same accounts, with no code and no keys.

Is it safe to connect Santander UK?

You approve access in the Santander app and can withdraw it there at any time, and Era never sees your Santander login. Era encrypts your data with AES-256 at rest and TLS 1.3 in transit, never sells it, and no model provider trains on it. Era shows a Reconnect button when Santander asks you to confirm again.

If you would rather not connect, upload a Santander statement and Era fills a manual account from it. Does Claude support open banking in the UK? and can ChatGPT connect to my UK bank account? cover the wider picture, and Nationwide and Chase UK work the same way.