Cancelling your credit card

If you want to cancel your credit card because it no longer meets your needs, we may have other options that are more suitable for you. Visit our credit cards page to see our range of cards.

Changing your mind

If you no longer want your new credit card, you have 14 days from the day after you receive your card to tell us you want to withdraw from the agreement and cancel your credit card. You need to tell us before the end of the 14 days by writing to Santander, Sunderland. SR43 4EP or contact us

If you have a balance on your card, we'll let you know how much to pay and how to make your payment. You then have up to 30 days from the day after you notify us to repay any amount you borrowed, along with any interest charged to your account.

Closing your credit card account

To close your account, you´ll need to clear the balance on your credit card, and tell us you want to close it. For more information on how to do this please visit our credit card repayments page.

You can close your card by using chat in Mobile and Online Banking. Sandi our chatbot will manage the account closure depending on whether you need to make a payment to clear the balance. If you do not have a balance, the account will be closed immediately. If you have an outstanding balance, once your closure request has been made you will not be able to use your card. You will need to pay this balance before the account can be closed. 

To ask Sandi to close your account, please follow the steps below.

  1. Log on to your account. 
  2. For Mobile Banking, tap ‘More’ in the bottom-right of the screen, then ‘Help and contact us’. 
  3. For Online Banking, click ‘Help & contact us’. 
  4. Choose ‘Chat with us’ and ask Sandi to close your credit card account.

You can contact us if you have any more questions, or you can visit us in branch

Financial difficulties

If you’re struggling or falling behind on your payments, we can help. Please visit our Contact us page for helpful information and support.

Need to report a lost, stolen or damaged card?

The easiest way for you to report your card as lost, stolen or damaged is through our mobile banking app. Simply log on to the app, click ‘More’, then ‘Cards’ and choose the card you want to report. Finally, click ‘Report as lost, stolen or damaged’.

Alternatively, if you think you’ve misplaced your card, you can freeze and unfreeze it in the mobile app instead of cancelling it right away.

Chat with us

You can also report your card as lost, stolen or damaged by logging on to your account and speaking to our digital assistant Sandi, available 24/7.

  • In Mobile Banking, choose ‘More’, ‘Help and contact us’, then ‘Chat with us’.
  • In Online Banking, click ‘Chat with us’ on the right-hand side of the screen.

Please see our lost, stolen or damaged page for more information.

If you'd like more support, please visit our contact us page.

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