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What happens after I've applied for my credit card?

For online applications
If your application is successful
we'll send your credit card and PIN within 7-10 working days.

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

Online Banking access
Once you have your credit card you can manage it online. If you're not already registered for Online Banking you'll receive log on details in the post 4-6 working days later. 
If your application is unsuccessful
We'll write to you to confirm we can't offer you a credit card.

For phone applications
We'll let you know straight away whether your application is successful or not and whether we need further information, such as ID. If we do need you to send ID to us we'll send you a letter with a freepost envelope to return the photocopies.

If your application is successful we’ll send you a welcome letter, then send your credit card and PIN separately. They should arrive within 7-10 working days.


Why am I being asked for further ID?
By law, we must check the identity of each new applicant, even if you're already a Santander customer.

We can often ID you electronically. Sometimes though, for instance if you've recently moved house or aren't on the electoral roll, we'll need to ask you to provide documents (such as passport, drivers licence etc) that prove your identity.
What ID do I need to send?
Here's a list of the types of ID we accept. You’ll need Adobe Reader to open it.

What’s the freepost address for sending ID? 
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. For security reasons, they're sent separately. We recommend waiting 10 days before you contact us, in case there has been a postal delay.

After this time through, you can call us on 0800 218 2180. We’re open 7am-11pm, Monday to Saturday.

Why can't you offer me a credit card?
We credit score your application using the information you've given us in it, any information we already hold about you and information we get from Experian, a credit reference agency. We decide whether to lend to you based on your credit score and whether you meet our lending criteria. Unfortunately if you don't meet the conditions we're unable to offer you a credit card.
See what information is held about you at the credit reference agency we use
If you'd like to see the information the credit reference agency we use has about you, you can apply for a Statutory Credit Report from Experian. You'll have to pay a small fee.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. 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 or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.