All in One Credit Card

All in One Credit Card with 0% interest periods on purchases and balance transfers

Everything you need – in one credit card  

  • 0% interest on balance transfers for 26 months from account opening with no balance transfer fee
  • 0% interest on purchases for 23 months from account opening
  • No foreign transaction fees on purchases made abroad in the local currency
  • 0.5% cashback on all your purchases

£3 monthly fee
 

You can apply if you’re 18 and over and live in the UK permanently, you have an income of £7,500+ per year and you don’t already have an All in One Credit Card.  All credit is subject to status and credit checks.

Representative example 

24.7% APR

representative (variable)

18.9% p.a.

(variable) purchase rate

£1,200

assumed credit limit

Monthly fee:

£3

Account fee

The fee for this card is £3 a month.

Minimum repayment

You must make at least the minimum repayment each month. 

0% interest on balance transfers

  • You can transfer balances from £100 up to 95% of your credit limit.  
  • You can’t transfer balances from other Santander or cahoot credit cards or from any type of loan or current account.
  • At the end of the 0% period, a 3% balance transfer fee will apply to any new balance transfers. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 18.9% p.a. (variable).

We'll carry out a credit check as part of your application. It will determine the credit limit we can offer, which we'll confirm to you once your application is accepted. If you'd like to get an indication of your credit limit before you apply, try our eligibility checker

If you request a balance transfer as part of your application it'll happen automatically if you activate your card within 45 days of receiving it.

0% interest on purchases

At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 18.9% p.a. (variable).

Purchases and cash withdrawals abroad

  • You won’t be charged foreign transaction fees on purchases and cash withdrawals made abroad in the local currency. If you choose to pay in sterling, the retailer or bank will handle the conversion and may charge you a fee.
  • Cash transaction fees  will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it’s withdrawn. 

Find out more about how credit cards and credit card offers work (pdf) (447 KB)

We have other borrowing options, such as overdrafts, personal loans and additional loans for our existing mortgage customers. Learn more

What you also get

Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards.

56 days interest-free period on purchases meaning that if you pay off your balance in full and on time every month, you won’t be charged interest.

Earn up to 15% cashback with Retailer Offers 

Retailer Offers makes it easier to earn a little extra from a variety of Retailers. Once you switch on Retailer Offers in Online or Mobile Banking, you’ll be able to choose the offers you’re interested in and earn up to 15% cashback just by using your Santander cards.

Save on interest by transferring your credit card balances and earn cashback on your spending.

Cashback

You can earn 0.5% cashback on all purchases. Some transactions aren’t eligible.

Balance transfer and cashback calculator

This calculator is for illustrative purposes only.

Find out how much you could save by transferring your credit card balances

(minimum amount £100)

Find out how much cashback you could earn

Your estimated savings
You could save £0.00 in interest over 26 months and earn £0.00 cashback per month.

The £3 monthly fee has been deducted from the monthly cashback earnings figure above.

Just looking to transfer a balance? Take a look at our other cards

This calculator is for illustrative purposes only.

The savings figure indicates the interest saving over the 26 months 0% period compared to the APR on your existing credit card. The calculator assumes you'll make the monthly repayment amount entered, there are no further transactions, there is a fixed interest rate charged on your existing credit card and that you're not in an initial or other promotional period.

Key documents

 

Ways to bank with us

24/7 banking on all your devices. You can amend your statement settings and set up personalised account alerts. 

Account alerts

We’ll send you alerts when you’re near your credit limit to help you avoid fees and to make you aware of certain activity on your account. You can manage your alert settings through Online Banking, calling us on 0800 9 123 123 or visiting a branch.

Security

Keep your banking details private and secure.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre

Giving you more – our cards also come with:

Card controls in our app
View your PIN, freeze your card if you lose it and block certain transactions in our mobile banking app.

Retailer Offers
Once switched on, earn up to 15% cashback at a variety of major retailers when you use your Santander credit card. 

Account alerts
We'll send you alerts when you're near your credit limit to help you avoid fees. 

It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.
 

Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see 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 All in One Credit Card Key Facts Document which can be accessed using 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 and will be charged a fee for each cash withdrawal made in the UK or abroad.

We charge a monthly fee of £3 for this credit card. We don’t charge a balance transfer fee 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.

 

Paper-free

  • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your e-Documents in Online Banking.

  • We may occasionally still need to send some correspondence by post.

  • Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone.

 

To apply, you must answer yes to the following.

  • I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
  • I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
  • I accept the Key Facts Document and Terms & Conditions.
  • I agree to have a credit check carried out which will show on my credit file.

Your contact preferences:

During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

Credit limit increase preferences:

During your application we’ll ask if you want us to increase your credit limit in the future:

  • If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
  • If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

If you’d like to amend your preference please contact us at any time.

Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.

Information correct as at 20 April 2022.