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Credit cards application process

Find out what happens after you apply for a credit card here.

Online applications

Successful applications
If your application is successful we’ll send you your credit card and PIN within 7-10 working days.

If you need to send us ID
Sometimes we need to do extra checks to allow us to make our decision. If we need extra ID from you we will send you a letter explaining what we need and an envelope to return the photocopies in.

Online Banking access
Once you have your credit card you can manage it online. To get log on details simply call 0845 602 0350. Lines open 8am to 9pm Monday to Saturday.
View our call charges

Unsuccessful applications
We'll write to you to confirm we couldn't offer you the card.

Phone applications

Straight away
We will tell you whether your application is successful or not and whether we need further information, such as ID.

If we need further ID we'll send you a letter with a freepost envelope to return the photocopies.

Successful applications
You don't need to do anything else. We'll send you a welcome letter and then send you your credit card and PIN separately. Your card and PIN should arrive within 7-10 working days.

What is the freepost address for returning ID / account information?
Santander Account Openings
9 Nelson Street

Remember to:

  • send photocopies, not originals

  • photocopy the front and back of documents

  • write your reference number, name and date of birth on each photocopy.

I haven't received my credit card or PIN. What do I do?
We post your credit card and PIN to the address on your application within 7 days of sending your welcome letter/email. They are sent separately for security.

In case there has been a postal delay, we recommend waiting 10 days for these to arrive before contacting us.

Why can't you offer me a credit card?
When you apply we will credit score your application using the information in your application, any information we already hold about you and information we get from Experian, a credit reference agency.

We decide whether to offer you a credit card based on your credit score and whether you meet our business lending criteria.

See what information is held about you at the credit reference agency we use
For a small fee, Experian can provide you with a Statutory Credit Report.

This can help you understand the information we've used and you can check everything is correct.

Here are Experian's contact details:
Experian Credit Report Services
Customer Support Centre
Experian Ltd
PO Box 9000
NG80 7WP