With the Zero Credit Card you’ll get:
No foreign transaction fees on purchases when made in the local currency
No cash withdrawal fee anywhere in the world
No monthly fee
Retailer Offers – get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
|Representative Example |
18.9% p.a. variable on card purchases. This is equivalent to 18.9% APR representative variable based on an assumed credit limit of £1200.
We have other borrowing options, such as overdrafts, personal loans, and additional loans for our existing mortgage customers. Learn more about our borrowing options
No foreign transaction fees on purchases or cash withdrawals made abroad
Use your Zero Credit Card abroad and you won't be charged any foreign transaction fees on purchases or cash withdrawals made in the local currency. Please make sure you choose the local currency option when using your card abroad. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a fee.
No fees on cash withdrawals at home and abroad
With the Zero Credit Card, we won't charge you a cash withdrawal fee, giving you peace of mind if you do need to use it for emergencies. However, it's important to remember that interest is charged on cash withdrawals and interest for cash is higher than for purchases and is charged immediately so there's no interest free period. To keep these interest charges to a minimum, you would need to clear your full balance as well as any recent transactions as soon as possible after the cash withdrawal. Some independent cash machine providers may still charge a fee for using their machine - this is different to a cash withdrawal fee on a credit card.
Earn cashback with Retailer Offers
Simply register for Online or Mobile Banking and switch on Retailer Offers to get:
Five welcome offers of up to 25% cashback at well-known major retailers. Your welcome offers will be chosen for you and are for one use only. To receive the welcome offers you must switch on Retailer Offers within 30 days of activating your new card. Once you've switched on Retailer Offers the welcome offers will be available within 14 days.
Continue to earn up to 15% cashback with your selected Retailer Offers when you use your Zero Credit Card at selected major retailers Learn more about Retailer Offers
Retailer Offers is only available to some additional credit card holders, please see Retailer Offers for more information.
Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.
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.
Pay with your iPhone 6 (or later) or Apple Watch by linking your card to your device and using Apple Pay
We've put together a guide to explain some important ways in which a credit card works (pdf) and how a credit card could benefit you. You can also find all interest rates and charges in the Summary box (pdf)
|Representative Example |
18.9% p.a. on card purchases. This is equivalent to 18.9% APR representative variable based on an assumed credit limit of £1200.
From making a payment to checking exclusive offers nearby, do it your way
Because we know you have busy lives and are often on the move, we want to give you ways to bank that make life easier. We're always looking for new ways to bank that help you do what you need to do, with your phone, computer or in person.
So if you're on the sofa, log on to online banking with your tablet to set up account alerts so you know when payments go from your card. If you want to check any of your card statements from the last 4 years see them with Mobile Banking. And if you're on the high street, pop in for the personal service.
Here are just a few of the things you can do:
Our fastest growing way to bank. Use your phone or device to:
And much more
24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus:
And much more
Come in and see us for:
|Telephone Banking |
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.
Zero Credit Card Key Facts Document (pdf) including Pre-Contractual Information and explanation and a guide to the Lending Code
To view these documents, you may need to download Adobe Reader.
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 Zero 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.
We don't charge a monthly fee for this credit card but we do charge a balance transfer fee of 3% (minimum £5) 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 the Zero 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 record - e.g. haven't been declared bankrupt, had a CCJ or an IVA within the last 6 years.
Before you apply we recommend that you read the Summary Box (pdf)
Apply today or complete a previously saved application
Call us on 0800 389 9905. Lines are open 8am-9pm Monday to Friday and 8am-4pm Saturdays
Find your nearest branch
You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a gross annual income of £7,500 or more, have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years. You must agree to a credit check as part of the application and this will determine whether or not you’re accepted and the credit limit that we can offer. We reserve the right to refuse any application.
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):
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 10pm Sundays.
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