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1|2|3 Credit Card

Cashback
You could earn up to £3 a month cashback in each of the categories below:

  • 1% cashback at all major supermarkets (on spend of up to £300 per month)

  • 2% cashback at all major department stores (on spend of up to £150 per month)

  • 3% cashback at all major petrol stations, and on National Rail and Transport for London travel, including Santander Cycles (on combined spend of up to £100 per month).

A £3 monthly fee applies.

Calculate how much cashback you could earn and the savings you could make by transferring your existing card balances:

Calculate 

Purchases
Spread the cost of your purchases with 0% interest to pay for 23 months from the date of account opening.

Balance transfers
Save on interest repayments by transferring your balances from other credit or store cards. You'll pay 0% interest for 23 months from the date of account opening and there is no balance transfer fee during the introductory period on this card.

See how much cashback you could earn:

Calculate 

At the end of the 0% period, balance transfer fees will apply and interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 12.7% p.a. (variable).

No foreign transaction fees on purchases abroad
Use your 1|2|3 Credit Card abroad until 31 December 2016 and you won't be charged any foreign transaction fees on purchases when paying in the local currency.

Become part of 1|2|3 World
The 1|2|3 Credit Card gives you access to 1|2|3 World offers including preferential rates and special deals on other Santander products.

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 18.4% APR representative variable based on an assumed credit limit of £1200. Monthly fee: £3.

 

Cashback in your account every month
Your 1|2|3 Credit Card cashback is credited to your account monthly.
 
No monthly fee for 6 months
Within the first year of opening a 1|2|3 Credit Card, if you open (or already have) any of our 1|2|3 current accounts [excluding 1|2|3 Mini Account (in Trust)], we'll refund the £3 monthly fee to your 1|2|3 Credit Card account for 6 months. To qualify, set up a Direct Debit to pay your card from your current account within 30 days.
 


Please read the full product details and terms & conditions before applying.
We offer another credit card. Find out more.
 

 

The credit card features on this page apply to new applications made from 11 January 2016.

We have other borrowing options, such as overdrafts, personal loans, and additional loans for our existing mortgage customers. Learn more about our borrowing options

The cashback you'll earn and where

Cashback Cashback category Maximum monthly cashback
1% At all major supermarkets (on spend of up to £300 a month) £3
2% At all major department stores (on spend of up to £150 a month) £3
3% At all major petrol stations, and on National Rail and Transport for London travel, including Santander Cycles (on combined spend of up to £100 a month) £3

A £3 monthly fee applies.

Retailer search

 

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 18.4% APR representative variable based on an assumed credit limit of £1200. Monthly fee: £3.

 

Receiving your cashback
We'll pay the total cashback you earn each month onto your 1|2|3 Credit Card and you'll see it on your monthly statement. You can also see how much you've earned in Online and Mobile Banking.

Exceptions to the rates of cashback you receive
Cashback is earned at retailers categorised by MasterCard as supermarket, department store, petrol station, passenger railway or railroad merchants.
For example, Marks & Spencer stores are defined as a supermarket (not a department store), so you will earn 1% cashback there. Some petrol stations may be classed as supermarkets too depending on if they are part of the supermarket or a separate business.
Read the full cashback terms.

Train tickets that don't qualify for cashback
Travelcards, Bus and Tram passes and Oyster card top-ups purchased from newsagents, garages and off-licences, Northern Ireland Railways train tickets purchased online, train tickets purchased at travel agents and tour operators, and Eurotunnel Le Shuttle tickets do not qualify for cashback.

Monthly fee refund
To qualify, within the first year of opening a 1|2|3 Credit Card, you must:

  • activate your 1|2|3 Credit Card

  • open or hold any of our 1|2|3 current accounts, excluding the 1|2|3 Mini Account (in Trust).

  • set up a Direct Debit from any of the qualifying 1|2|3 current accounts to pay your 1|2|3 Credit Card within 30 days of either opening your 1|2|3 current account or 1|2|3 Credit Card (whichever occurs latest).

Once the card has been activated and the Direct Debit set up from any of the 1|2|3 current accounts, the fee refund will show on your statements. Each month for 6 months, we'll refund the £3 monthly fee to your card and the refund will show on your statements each month.

Please note: Depending on when the Direct Debit is set up within the 30 day qualifying period, you may initially be charged a fee. If this happens, the fee refund process will begin in the next month and the fee will be refunded each month for the following 6 months.

No foreign transaction fees on purchases abroad
Use your 1|2|3 Credit Card abroad until 31 December 2016 and you won't be charged any foreign transaction fees on purchases when paying in the local currency. We'll convert the foreign currency using the exchange rate set by MasterCard and won't charge a foreign transaction fee (also known as a Non-Sterling Transaction fee). Please make sure you choose the local currency option when using your card abroad. If you choose sterling, it means that the retailer will handle the conversion and may charge you a fee.

Extra benefits

  • Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month, even after the initial interest free period has ended.

  • The 1|2|3 Credit Card is contactless - you can make quick and easy purchases up to £30, wherever you see the contactless symbol. And with Transport for London now accepting contactless payments on most of their services, your 1|2|3 Credit Card lets you pay quickly and earn 3% cashback when travelling around London.  Find out more about contactless.

  • Contactless payments with your mobile by linking your Santander debit or credit card to your Apple or Android device.

  • Up to 3 additional cards for your partner or family members at no extra cost. You will be responsible for the use of and payments on the additional cards. 
     
  • Register for Online or Mobile Banking and you'll have access to Retailer Offers. Once you've switched on this service you could earn up to 15% cashback when you use your Santander credit or debit card at a range of major retailers. Please note, Retailer Offers is not available to customers who are only additional credit card holders. Find out more about Retailer Offers
     
  • Opening a 1|2|3 Credit Card means you'll be part of 1|2|3 World, with access to a range of benefits like cashback and interest, preferential rates and special deals. Find out more about 123 World.

Balance transfers
Transfer from £100 up to 95% of your credit limit. You can't transfer balances from other Santander Group accounts (including cahoot).  If the total transfer you want to make is above your available credit limit, we may allow you to transfer part of this amount.

There is no balance transfer fee if you carry out a balance transfer on the 1|2|3 Credit Card during the introductory period on this card.

Interest rates

  • Balance transfers and purchases: At the end of the 0% period, balance transfer fees will apply. Interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 12.7% p.a. (variable).

  • Cash transactions: you'll pay 29.9% p.a.

  • You can see a useful summary of all the interest rates in the Summary Box.

Minimum repayments
During the 0% period, you must make repayments each month for at least the minimum payment amount. You'll find details of how the minimum payment is calculated in the Summary Box.

Your money, your way
You choose how you bank with us.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. For more information find out more.

Watch our Online Banking videos to learn more.

Mobile Banking
Bank from anywhere using our apps or by using m.santander.co.uk. For more information find out more.

Watch our Mobile Banking videos to learn more.

 

Text me the app

Telephone Banking
24/7 banking by phone. Speak to us in person during the day and in the evenings or use our automated service any time of day.
Call us on 0800 9 123 123.

Free text and email alerts
You don’t have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. When you set up account alerts we send you a text, email or both when it happens, for example if your balance goes above or below a certain amount. Learn how to set up alerts

Track your spend with Spendlytics
Use our iOS app, Spendlytics, to analyse and understand your spend in detail. To learn more, take a look at the Spendlytics video

Get the app

Spendlytics is available for Santander credit and debit card customers.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Account Alerts
Apple Pay
Android Pay
Our video playlists

Payment Methods
Making timely payments to your account will help you avoid any fees. You can make payments to your account in the following ways:

  • Online

  • By post

  • In branch

  • Direct Debit

Read the How do I pay off my credit card? FAQ for more information.

Card security
For complete confidence, when you're shopping with a 1|2|3 Credit Card, you're protected by:

  • the latest chip and PIN technology to help protect you from someone trying to use your card

  • our Online Banking commitment which includes protection against internet fraud if your card is used online without your knowledge

  • our guarantee that you won't be held financially responsible if your card is used without your (or your additional cardholder's) knowledge

Everything you need to know before you apply
We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader.

A £3 monthly fee applies.

Pre-Contractual Explanation
We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the 1|2|3 Credit Card Key Facts Document which can be accessed via the link above. You should also read this before you apply.

Is a credit card right for my borrowing needs?
A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

What interest and charges might apply?
Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal made in the UK or abroad.

Until 31 December 2016, you will not be charged a non-sterling transaction fee for cash withdrawals or purchases made abroad. From 1 January 2017, these transactions will incur a fee.

We charge a monthly fee of £3. We don't charge a balance transfer fee on any balance transfers made during the introductory period. We can change the fees (including the monthly fee and amending the balance transfer fees) and interest rates on your card. We'll let you know in advance if we plan to do this.

Any introductory rate we offer you starts from the date your account is opened.

For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and condition 8 of the credit agreement.

How much will I have to pay under the credit agreement?
It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

What are the consequences to me if I do not keep up repayments?
If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. We will also record details with a credit reference agency and your credit rating could go down which would make it harder to get future credit. If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt management company. To avoid getting into this situation, please contact us if you are having difficulties in making your repayments.

Changing your mind.
You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.
 

You can apply for a Santander 1|2|3 Credit Card if you:

  • are 18 or over

  • live in the UK permanently

  • agree to us conducting a credit check

  • have an income of £7,500 per year or more

  • have a good credit history, for example, no county court judgments or bankruptcy history

Before you apply we recommend that you read the Summary Box

Apply today or complete a previously saved application

Apply now   Continue application

 

Phone
Call us on 0800 389 9905. Lines are open 8am-9pm Monday to Friday and 8am-4pm Saturdays.

Branch
Find your nearest branch

Credit is subject to status, available to permanent UK residents aged 18 years or over. You must agree to us conducting a credit check, 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 0800 783 7830. 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.

    If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.

    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 11pmMonday 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 (pdf) *

        • 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? Find more on the credit cards FAQs page.

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