Santander All in One Credit Card review 2021

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

The Santander All in One Credit Card is an all-singing, all-dancing all-rounder that comes with a small monthly fee.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).

26 months

0% interest on balance transfers


Balance transfer fee


Representative APR

20 months

0% interest on purchases


Annual/monthly fees£3 per month
Balance transfers0% for 26 months reverting to 17.9%
Balance transfer fee0% for 26 months reverting to 3% (min. £5)
Purchases0% for 20 months reverting to 17.9%
Purchases interest-free periodUp to 56 days
Cash advances29.9%
Min credit limit£500
Max credit limitNot specified
Additional cards available3
Incentive0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Cashback details0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Santander’s All in One is a true all-rounder, with long 0% deals on both purchases and balance transfers, no fees on currency conversion and even cashback on all your purchases. So if you’re already paying off a balance, but you’re anticipating further spending, this card could be worth a closer look.

It’s a market-leader for 0% balance transfer deals with no transfer fee, but unlike many of its competitors, comes with an ongoing account fee of £3 per month.

For those needing a card that fulfils multiple needs, it’s likely to be competitive. If you only want to save on existing card debt or if you only want to spread the cost of a large upcoming expenditure, there are longer 0% deals available on more specialised cards. Similarly, if you’re in it for the rewards, you won’t need to look far to find more generous schemes.

The Santander All in One Credit Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.

Pros and cons of the Santander All in One Credit Card


  • Over two years of 0% interest to focus on reducing existing card debt
  • Almost two years to spread the cost of purchases
  • No balance transfer fee
  • No foreign transaction fees
  • Avoid currency conversion charges when spending abroad
  • Earn cashback on day-to-day spending


  • £3 monthly account fee
  • Minimum annual income requirement of £7,500
  • Applicants with low credit scores are unlikely to be eligible
  • While it has a bit of everything, there may be other cards that offer better deals on certain features

Approval for any credit card will depend 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.

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

The verdict

If you’re happy to shell out for a small monthly fee, the Santander All in One offers versatile perks such as long 0% balance transfers and purchase periods, cashback and no foreign currency fees. There’s also a fairly competitive purchase rate, but those looking to get the most out of this card will surely be taking advantage of the 20 months of 0% purchases.

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.

Eligibility criteria for the Santander All in One Credit Card

You’ll need to meet the following criteria to be eligible for the Santander All in One Credit Card:

  • Be at least 18 years old
  • Be a UK resident
  • Have an annual income of at least £7,500
  • Have good credit

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 is able to offer you this deal, the offer 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 that 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 should I do with my old credit card after transferring the balance to the Santander All in One Credit Card?

Transferring a balance doesn't automatically close your old account. In most cases, you'll want to close the old account(s) straightaway, especially if they have an annual/monthly fee or if you might be tempted to use them in the future. There is an argument that you should keep the old account open to help your credit score. That's because doing so keeps your "credit utilisation ratio" lower (that's a measure of how much credit you're using compared to what's available to you), and helps the average age of your credit accounts. However, unless you're just about to apply for a new mortgage, it's probably fair to say that most people would prefer to have no more bank accounts open than was truly necessary.

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 two 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 ratings

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★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

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

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    Default Gravatar
    February 15, 2021

    I’ll be spending a lot in dollars on the credit card – how Is the exchange rate calculated – is it at spot rate? Are there charges for the transaction ?

    Default Gravatar
    March 2, 2019

    looking for the best credit card deal for me to spend around £1000 & pay it back with 0% interest up to 20-24 months. This will have to inc purchases & can be used abroad.

      Avatarfinder Customer Care
      March 5, 2019

      Hi Mike,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      Santander All in One Credit Card Mastercard offers 0% for 26 months. After this time frame, it will revert to 15.9%. However, its minimum credit limit is £500. So, you would need to check if the provider would allow you to have a higher credit limit since you mentioned you want to spend around £1000.

      The card can also be used abroad and it comes with no foreign transaction fees.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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