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Santander has a long-standing history and is a legitimate financial institution, offering an extensive range of services such as mortgages, credit cards, savings, investments, insurance, and personal loans. Despite the "Exceeded" status of its Investment Advisory License, the bank remains operational and continues to provide personal banking solutions. However, when it comes to Santander investments, the lack of active regulatory oversight could make some investors hesitant. From my experience, I find Santander login and the online banking services to be secure and easy to use. But, if you're specifically seeking regulated investment advisory services, this lack of regulation should be considered before making any significant investment decisions. Santander is a safe choice for personal banking and financial products, but its investment offerings might not carry the same security.