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Credit cards

Choose the credit card that's right for you

Choose the card that's right for you

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.

1|2|3 Credit Card

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 

Representative Example
0% p.a. on card purchases for 23 months followed by 12.7% p.a. (variable) on card purchases. This is equivalent to 16.5% APR Representative (variable) based on an assumed credit limit of £1,200. Annual fee: £24.

 

Find out more

Santander Credit Card

Interest- free purchases for 18 months

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.

Representative Example
0% p.a.
on card purchases for 15 months followed by 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR Representative (variable) based on an assumed credit limit of £1,200.


 

Find out more

Credit is subject to status, available to permanent UK residents aged 18 years or over. You must have an income of £7,500 per year or more and have a good credit history, for example, no county court judgments or bankruptcy history.

Frequently asked questions

  • 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.

  • 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

      • Printing off and completing the Change of details form *

      • Requesting a copy of the form by calling us on 0800 9 123 123. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.

      • Collect a form from your local branch.
         

    • 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 
     

     

  • Can’t find what you are looking for? More help can be found at on the Credit cards FAQs page.

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