How to cancel a Santander credit card

Unlike some credit card issuers, Santander doesn't insist that you get on the phone in order to cancel your card.

Most credit card issuers prefer you to call them because it gives them the chance to offer you better card terms and potentially entice you to stay on as a customer. However, with Santander, you’ve got three options:

  • Over the phone. Call Santander on 0800 9 123 123.
  • Online. Log into your Internet banking and send a secure message.
  • At a branch. Pop into a branch and let Santander know – it doesn’t need to be your local branch.

If you want to exercise the right to cancel under your 14-day cooling-off period, call Santander at the number above or write to Santander UK plc, PO Box 983, Bradford, BD1 9FE. You’ll need to clear your outstanding balance plus any interest it has accrued.

If your card has been lost or stolen, use the number above. It’s open 24/7.

Steps to cancel your Santander credit card

  1. Pay off your balance. You can’t close your card with a balance. If you’re not in a position to pay it off, consider transferring your balance to another card.
  2. Redeem any rewards. If you’ve earned rewards with Santander, you’ll lose them by cancelling your card. See if you can redeem them first.
  3. Contact customer service. Choose one of the three methods listed above to let Santander know.

If you opt to call Santander’s customer support (0800 9 123 123), have your card details to hand and expect to hear new offers like interest-free periods, increased credit limits or other bonuses. If you like what you hear, consider keeping your Santander card, but if you’re determined to close your account, Santander will ask for your reasons – anything will work!

It’s a smart idea to write down the representative’s name and make a note of when you called.

Need a new card?

Table: sorted by representative APR, promoted deals first

Regardless of whether you decide to close your Santander credit card, you might still want to consider a better one. The right card can help you build your credit score while better fitting your spending and lifestyle.

Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0%
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
2.9% fee, min £5
0% for 24 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
The NatWest Balance Transfer Credit Card (existing customers only)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Balance Transfer Credit Card
0% for 33 months reverting to 21.9%
2.84% (min. £5) for 2 months reverting to 2% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
2.49%
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
2.49%
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander Everyday Long Term Balance Transfer Credit Card
0% for 33 months reverting to 21.9%
2.65% (min. £5) for 33 months reverting to 3% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 32 months reverting to 21.9%
1.99% fee, min £5
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander Everyday No Balance Transfer Fee Credit Card
0% for 21 months reverting to 21.9%
0% for 21 months reverting to 3% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Royal Bank of Scotland Balance Transfer Credit Card (existing customers only)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
loading

Compare up to 4 providers

Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
0% for 24 months
(2.9% fee, min £5 fee)
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
0% for 26 months
(0% fee)
£3 per month
24.7% APR (variable)
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
Check eligibility
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card
0% for 23 months reverting to 22.9%
0% for 23 months
(2.99% fee)
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0% for 12 months
(0% fee)
£0
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
HSBC Rewards Credit Card
0% for 6 months reverting to 23.9%
0% for 6 months
(2.99% fee)
£0
23.9% APR (variable)
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Sainsbury's Bank Dual 24 Month Offer Credit Card Mastercard
0% for 24 months reverting to 21.95%
0% for 24 months
(2.88% fee)
£0
21.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
0% for 24 months reverting to 21.94%
0% for 24 months
(2.89% fee)
£0
21.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
loading

Compare up to 4 providers

Name Product Purchases Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Check eligibility
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
£0
21.9% APR (variable)
Check eligibility
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
£3 per month
24.7% APR (variable)
Check eligibility
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
American Express® Platinum Cashback Everyday Credit Card
26%
£0
26% APR (variable)
Check eligibility
New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
The American Express Rewards® Credit Card
26%
£0
26% APR (variable)
Check eligibility
As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
British Airways American Express® Credit Card
26%
£0
26% APR (variable)
Check eligibility
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Royal Bank of Scotland Reward Credit Card (existing customers only)
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
26.8% APR (variable)
Check eligibility
Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).
NatWest Reward Credit Card (existing customers only)
21.9%
£24 per annum. Reward or Reward Black Current Account holders: £0 per annum
26.8% APR (variable)
Check eligibility
You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).
American Express® Nectar Credit Card
26%
Year 1 - £0, Year 2 onwards - £25 per annum
31.3% APR (variable)
Check eligibility
Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 31.3% APR (variable).
loading

Compare up to 4 providers

Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Tymit Credit Card
£0
Min. limit £500, max. limit £15,000.
Not specified
22.4%
Representative Example: Rep. APR 22.4% (variable). This means for a purchase of £100 at 22.4% spread over 12 months, you'll pay a total of £111.39 (12 payments of £9.28). No annual fee.
Check eligibility
Vanquis Bank Chrome Credit Card
£0
Min. limit £150, max. limit £1,200.
Not specified
29.5%
Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).
Check eligibility
thimbl. credit card
£0
Min. limit £150, max. limit £1,200.
Not specified
39.9%
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
Check eligibility
Vanquis Bank Classic Credit Card Visa
£0
Min. limit £150, max. limit £600.
Not specified
39.9%
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
Check eligibility
Vanquis Bank Origin Credit Card
£0
Min. limit £150, max. limit £250.
Not specified
59.9%
Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).
Check eligibility
Tesco Bank Foundation Card
£0
Min. limit £100, max. limit not specified.
£5000
27.5%
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
The Credit Thing card
£0
Min. limit £200, max. limit £1,500.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
TSB Classic Credit Card Mastercard
£0
Min. limit £500, max. limit not specified.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
Keebo credit card
Finder Award
Keebo credit card
£0
Min. limit £200, max. limit £5,000.
Not specified
27.98%
Representative example: When you spend £1,200 at a purchase rate of 27.98% (variable) p.a., your representative rate is 27.98% APR (variable).
Bip Credit
£0
Min. limit £250, max. limit not specified.
£5000
29.9%
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
loading

Compare up to 4 providers

Name Product Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Credit Card
26%
£0
Min. limit £700, max. limit not specified.
26% APR (variable)
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply
Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).
Check eligibility
British Airways American Express® Premium Plus Card
26%
£250 per annum
Min. limit £700, max. limit not specified.
103.7% APR (variable)
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply

Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £250 per annum, your representative rate is 103.7% APR (variable).
Check eligibility
Virgin Money Virgin Atlantic Reward Credit Card
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Virgin Money Virgin Atlantic Reward Plus Credit Card
22.9%
£160 per annum
Min. limit not specified, max. limit not specified.
63.9% APR (variable)
Earn an additional 15,000 Bonus Points when you spend £3,000 within the first 90 days of account opening. Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).
loading

Compare up to 4 providers

Will cancelling my Santander credit card affect my credit score?

Cancelling your Santander credit card does actually have the potential to affect your credit score.

Consider your overall “credit utilisation ratio” – that’s how much debt you have compared to how much credit is available to you. If you have a low utilisation ratio — say, 20% or less — and a solid credit score, closing your card won’t affect your score by much. But closing a card can increase your utilisation, which can in turn lower your credit score.

Signing up for another card could increase your overall available credit and lower your utilisation level. Note that a hard search of your credit record is part of taking on a new card and that will also have a slight (and usually short-lived) impact on your credit score.

If you just want to be shot of your card, so that you can’t slip into debt, then realistically that’s probably more important.

Finally, it’s worth considering that when you come to apply for credit in the future, you’ll need your credit file to show responsible use of credit. Not surprisingly, lenders want to see that you’re perfectly capable of borrowing money and then paying it back.

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.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site