In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements

Santander All in One Credit Card review

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Santander All in One Credit Card
Finder score
Representative example:
When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
0% interest on balance transfers
15 months
Balance transfer fee
0% interest on purchases
15 months

Our verdict

Long interest-free periods, cashback and no fees on holiday spending are all features of this Santander credit card.

True to its name, the Santander All in One Credit Card has almost everything you need in an everyday credit card. From its extended 0% interest periods on purchases and balance transfers to its lack of foreign usage fees, this card will help you fill multiple needs both at home and on holiday. With the added perk of earning cashback every time you spend, this card may genuinely save you money (if used correctly) and is a high contender in the all-rounder credit card game.

By making use of the long 0% interest periods on purchases and balance transfer offer, it will help take a little weight off of your shoulders for any outstanding balances (as long as you pay them off before the offer expires). Santander is known for its competitive 0% balance transfer deals with no transfer fee, so if you're in the market for a new everyday card and still have some existing balances to pay off, this card (as well as its cousin cards) could be worth a closer look.

With all these perks there has to be a catch, right? This card does come with a monthly fee of £3 per month, which can be seen as a small price for all these benefits, but if you don't think you're going to benefit from all these features, there are cards that offer similar benefits for less. Similarly, if you're only looking at this card for its interest free periods and cashback rates, there are cards that offer longer 0% deals and far more generous rewards schemes. Not to mention, that you have to have a good credit history to be considered for this card's advertised rates.

Although a 0.5% cashback rate and a £3 per month account fee isn't the juiciest offer on the market, when you factor in all the other perks this card has to offer, it can be easily overlooked and for those needing a card that fulfils multiple needs, it's likely to be competitive.


  • No foreign transaction fees
  • Over a year to spread the cost of purchases
  • Earn 0.5% cashback
  • No balance transfer fee
  • 15 months of no interest on balance transfers


  • Account fee of £3 per month
  • Minimum annual income requirement of least £10,500
  • Applicants with low credit scores are unlikely to be eligible

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements


Product overview

Issuer Santander
Network Mastercard
Representative APR 29.8%
Annual/monthly fees £3 per month
Balance transfers 0% for 15 months reverting to 23.9%
Balance transfer fee 0% for 15 months reverting to 3% (min. £5)
Purchases 0% for 15 months reverting to 23.9%
Purchases interest-free period Up to 56 days
Cash advances 29.9%
Minimum credit limit £500
Maximum credit limit Subject to status
Additional cards available 3
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Additional Rewards Info Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed up to online and mobile banking to qualify.
Potential costs 4.2 ★★★★★
Doing its job 4.8 ★★★★★
Extras 3.8 ★★★★★
Overall Finder Score 4.5 ★★★★★

Fees and charges

Minimum monthly payment 1% or £5 (whichever is greater) or the total of any interest, default fees and charges, monthly fee plus 1% of the outstanding balance plus any arrears.
Annual/monthly fees £3 per month
Balance transfer fee 0% for 15 months reverting to 3% (min. £5)
Foreign usage charge (EU) 0%
Foreign usage charge (rest of world) 0%
Cash advance fee 3% (min. £3)
Late payment fee £12
Duplicate statement fee £0
Exceeding limit fee £12
Additional card fee £0
Dormancy fee £0

Application requirements

Minimum Age 18
Minimum income £10,500
Residency UK Resident for more than 36 months
Availability Available to new customers

The Santander All in One Credit Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through Santander's app by logging in to your online banking or over the phone (0800 912 3123). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

Bottom line: Is the Santander All in One Credit Card any good?

The Santander All in One Credit Card is an all-singing, all-dancing all-rounder that comes with a small monthly fee. It’s a great everyday card offering a scope of features and benefits that both new and existing customers can benefit from. The competitive 0% balance transfers and purchase periods, cashback and no foreign currency fees can help you fulfil multiple needs – as long as you’re willing to shell out a small monthly fee.

While there are other competitive cards with no ongoing fees, most will come up short against the features on offer with the Santander All in One Credit Card. If used responsibly, this is a great card to have in your arsenal.

New santander card art

How to apply for the Santander All in One Credit Card

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for the Santander All in One Credit Card. This won't impact your credit score. If it's good news, you can then proceed to Santander's online application, which takes 10–15 minutes to complete.

Frequently asked questions

What credit limit will I get with the Santander All in One Credit Card?

If Santander offers you this deal, it will specify a personalised credit limit based on Santander's assessment of your situation. The minimum limit offered on this card is £500, and Santander does not specify a maximum. Once you've had the card for a while and shown Santander you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Santander All in One Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Santander All in One Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 29.9% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

What is the minimum payment on the Santander All in One Credit Card?

Each month, you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires.

Can I request an additional Santander All in One Credit Card?

Yes, in fact, you can request up to 3 more. There's no fee for additional cards. Plus, with additional cards, you could earn cashback at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.

How much does it cost to use the Santander All in One Credit Card abroad?

The Santander All in One Card has no foreign usage fees, which means you won’t be charged additional fees on any purchases you make abroad. However, there is a 3% cash advance fee that will apply on any foreign ATM withdrawals.

What fees will I need to pay on the Santander All in One Card?

You’ll need to pay a monthly fee of £3 on the Santander All in One Card. There are also a number of additional fees that you may need to pay depending on how you use your card. These include late payment fees, cash advance fees, exceeding limit fees and balance transfer fees.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score matched/balanced credit cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the introductory offer, balance transfer fees, any restrictions to the offer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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