RNS Number:1622I
Abbey National PLC
28 February 2003

                                  SCHEDULE 11

          NOTIFICATION OF INTERESTS OF DIRECTORS AND CONNECTED PERSONS


1)  Name of company

Abbey National plc

2)  Name of director

Luqman Arnold

3)  Please state whether notification indicates that it is in respect of
    holding of the shareholder named in 2 above or in respect of a
non-beneficial interest or in the case of an individual holder if it is a
holding of that person's spouse or children under the age of 18 or in respect of
a non-beneficial interest

Director

4)  Name of the registered holder(s) and, if more than one holder, the
    number of shares held by each of them (if notified)

Luqman Arnold

5)  Please state whether notification relates to a person(s) connected
    with the Director named in 2 above and identify the connected person(s)

Director

6)  Please state the nature of the transaction. For PEP transactions
    please indicate whether general/single co PEP and if discretionary/non
    discretionary

Share Purchase

7)  Number of shares/amount of
    stock acquired

83,775

8)  Percentage of issued class

N/A

9)  Number of shares/amount
    of stock disposed

N/A

10) Percentage of issued class

N/A

11) Class of security

Ordinary Shares of 10 pence each

12) Price per share

387.94p

13) Date of transaction

28 February, 2003

14) Date company informed

28 February, 2003

15) Total holding following this notification

192,645

16) Total percentage holding of issued class following this notification

N/A

If a director has been granted options by the company please complete the
following boxes

17) Date of grant


18) Period during which or date on which exercisable


19) Total amount paid (if any) for grant of the option

N/A

20) Description of shares or debentures involved: class, number


21) Exercise price (if fixed at time of grant) or indication that price
    is to be fixed at time of exercise


22) Total number of shares or debentures over which options held
    following this notification


23) Any additional information




24) Name of contact and telephone number for queries

Ian Christie, 0207 756 4328



25) Name and signature of authorised company official responsible for
    making this notification


Ian Christie, Assistant Group Secretary


    Date of Notification 28 February, 2003



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