We have two cards to choose from. So whether you're looking for cashback, to spread the cost of purchases or to transfer a balance from another card, we’ve got it covered.
If you need help choosing the card that’s right for you, use our credit card comparison table to see the features and benefits of both cards.
Cashback on your everyday spending
The 1|2|3 Credit Card lets you earn up to 3% cashback on your everyday spending. Plus you'll pay 0% interest on purchases and balance transfers for 23 months with no balance transfer fee. It comes with an annual fee of £24.
See how much cashback you could earn with our Cashback Calculator
Spread the cost of purchases or balances from other cards
When you need a card for both large and small purchases or want to spread the cost of repaying your balances from other cards, the Santander Credit Card can help. Spread the cost over 15 months with 0% interest, no balance transfer fee and no annual fee.
Credit is available subject to status, only to UK residents aged 18 and over.
To report a lost or stolen credit card or if you believe you’ve been a victim of credit card fraud please call 0800 9 123 123 (+44 1512 648 725 from abroad). Lines are open 24 hours a day, 7 days a week.
Charges apply when you use your credit card abroad to make purchases and to withdraw local currency from cash machines:
Making purchases abroad or online in a currency other than sterling.
You will be charged a non-sterling transaction fee of 2.95% of the value of the transaction.
Withdrawing cash from a bank or cash machine or buying foreign currency or travellers cheques in a currency other than sterling.
You will be charged a non-sterling transaction fee of 2.95% of the value plus a non-sterling cash fee of 3% of the value (at least £3).
No interest free period on cash withdrawals.
Interest will be charged from the date of withdrawal.
If given the option of paying in either local currency or sterling, ensure you choose local currency unless you are certain that the exchange rate is more favourable. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a conversion fee, a foreign usage fee, or both.
Zero Credit Card customers
No cash fees or non-sterling transactions fees will be charged to Santander Zero Credit Card customers (please note, the Santander Zero Credit Card is not currently on sale to new customers).
Before travelling overseas
Make sure your contact details are up to date, including your mobile telephone number. The easiest way to do this is via Online Banking. Alternatively, you can call us on 0800 9 123 123 or visit a branch. We will continue to monitor your account for fraud and unusual transactions while you are abroad. We will contact you if we detect unusual activity. If you keep your mobile phone with you, you will be able to confirm genuine transactions as soon as we call
Ensure you know your PIN number. If your card does not have a PIN, please contact us before travelling on 0800 9 123 123.
If you are travelling outside the EU, let us know so we can place a note on your account to say you are travelling. This is not a requirement, but may help if you are concerned about your card use while abroad. Please speak to an advisor on 0800 9 123 123 to do this
You do not need to tell us when you are travelling in the EU. As the EU has a high coverage of chip and pin, we are able to identify you and will monitor for fraud in the same way as if you were paying in the UK.
You can activate your credit card online by logging on to Online Banking or by calling 0845 603 8750. Lines are open 9am to 8pm Monday to Thursday, 9am to 7pm Friday and 9am to 5pm Saturday.
Additional cardholders should call on the number above to activate their card.
You can view your balance and credit limit online by logging on to Online Banking.
You can also get this information by calling 0800 9 123 123.
To request a change to your credit limit on your account call 0800 9 123 123. Lines are open 7am to 11pm Monday to Sunday.
The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.
You can also change it by telephone or in branch.
1. Online Banking (instant):
Log on and update your details instantly from within the "My Details & Settings" tab.
Choose 'Change personal details' from the left hand menu and then click 'Change address'.
Enter your new details (including postcode) and follow the onscreen instructions.
Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.
2. By telephone (for current account and savings customers):
Call our Telephone Banking line on 0800 9 123 123. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.
3. In branch:
Complete a change of details form by
Take the form to your local branch together with relevant account documentation:
Your cash card, passbook or certificate and;
Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).
If you would like to discuss our identification requirements please call us on 0800 9 123 123 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.
Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.
* To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free