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 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 60 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.

Other features

• Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.

• Contactless: make quick and easy purchases up to £30, wherever you see the contactless symbol

• 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.

• Make contactless payments by linking your Santander debit or credit card to your Apple, Android or Samsung device

Important information
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)

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.

Need a helping hand? Use Send Me the Link to send yourself our mobile apps, videos, guides, & factsheets

Send me the link allows you to send yourself links for our mobile apps, videos, guides, & factsheets which can help you with your Online & Mobile Banking needs. Access Send Me the Link here.
 

Here are just a few of the things you can do:

	Mobile Banking Our fastest growing way to bank. Use your phone or device to: see transactions and statements see your cashback register for Retailer Offers  to earn cashback on your spend And much more Take a look at our Mobile Banking videos   Get the app
	Online Banking 24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus: make payments to your card from any UK bank account set up personalised account alerts  to let you know what's going on with your money manage personal details such as change of address   And much more Take a look at our Online Banking videos   Sign up
	Branches Come in and see us for: face-to-face support in managing your account free customer wi-fi: bring your own device into branch and we'll help you with our online and mobile services Find a branch
	Telephone Banking with our UK-based team on hand until 9pm most nights, and an automated service when they go home, do your banking by telephone any day of the week call us on 0800 9 123 123 Find out more

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 Explanation, Pre-Contract Credit Information and the Statement of Lender and Borrower Responsibilities

• Terms & Conditions and Important Information (pdf)  including Terms of Business

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

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 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

• don't already hold a Zero Credit Card

• 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

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

Branch
Find your nearest branch