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Zero Credit Card

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.

 


Please read the full product details and terms & conditions before applying.
We offer a range of credit cards. Find out more.
 

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.


Other features

  • 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

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)


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:

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

 

Contact Us Telephone Banking
  • with our UK-based team on hand until 11pm 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.

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

  • 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

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
 

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.

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 11pm Monday to Saturday and 8am to 10pm Sundays.

    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 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

  • Can't find what you are looking for? Find more on the credit cards FAQs page.

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Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.