Santander Zero Credit Card review

This card is no longer available, but you can use our review to find alternatives.

The Santander Zero Credit Card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).


Foreign transaction charge


Representative APR

12 months

0% interest on purchases


Account fee


Annual/monthly fees£0
Balance transfers0% for 1 months reverting to 18.9%
Balance transfer fee3% (min. £5)
Purchases0% for 12 months reverting to 18.9%
Purchases interest-free periodUp to 56 days
Cash advances18.9%
Minimum credit limit£500
Maximum credit limitSubject to status
Additional cards available3
Additional Rewards InfoEarn up to 15% cashback with your selected Retailer Offers at selected major retailers.

Review by

Chris Lilly is a publisher at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

The “Zero” in this card’s name refers to both the fees on non-sterling transactions and the rate of interest on purchases at home and abroad (plenty of 0% purchase cards will still charge you interest on non-sterling transactions). If you’re about to head overseas and have a hunch you might come back with a bit of card debt, this card’s got you covered. Impressively, it also boasts the significant benefit of charging no cash withdrawal fee wherever in the world it’s used (just watch out for any fees that the ATM provider might charge).

Put all this together with the fact that there’s no account fee to worry about, and you’ve got a very respectable card both to spread the cost of your holiday and to take with you on said holiday.

The downsides? If you do withdraw cash on the card, then that part of your balance will be charged interest from the date the funds leave your account, at the card’s standard purchases rate of 18.9%. That makes the whole no-ATM-fees-anywhere-in-the-world perk a lot less, well, perky.

Additionally, if you’re simply looking to spread the cost of a large expenditure, then there are numerous longer 0% deals on the market.

If you opt for this card, be sure to opt into the Retailer Offers scheme as soon as you can (you can do this in your online/mobile banking), to enjoy cashback from major retailers.

Pros and cons


  • Customers report excellent customer service when dealing with Santander
  • A year to spread the cost of purchases
  • Avoid currency conversion charges when spending abroad
  • No annual fee


  • Minimum annual income requirement of £7,500
  • Applicants with low credit scores are unlikely to be eligible

Other cards for overseas spending

Table: sorted by representative APR, promoted deals first
Name Product Purchases rate Foreign transaction fee Foreign cash transaction fee Interest-free days on foreign transactions Interest-free days on foreign cash transactions Representative example Link
Santander All in One Credit Card
0% for 15 months reverting to 21.9%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).
Check eligibility
View details
The Royal Bank Credit Card (existing customers only)
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Check eligibility
View details
The NatWest Credit Card
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Go to site
View details
Royal Bank of Scotland Reward Black Credit Card (existing customers only)
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
Check eligibility
View details
NatWest Reward Black Credit Card
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
Go to site
View details

Compare up to 4 providers

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.

The verdict

When it comes to credit card costs, nothing is always better than something, and that’s the case with the Santander Zero credit card. It offers a 0% interest period on purchases, zero annual fees, and zero cash advance fees.

If you’re a serious traveller and sick of being charged fees on your spending abroad, it also offers fee-free cash withdrawals and currency conversion anywhere in the world. Of course, you’ll still need to watch out for local ATM fees, and interest will still be charged on any cash advances.

Repayment options

You can make manual repayments through Santander's app by logging in to your online banking or over the phone (0800 389 9905). 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

How to apply

Sorry – Santander is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Frequently asked questions

How does the Santander Zero card's 0% interest work?

When you use your credit card, any balance you have needs to be repaid each month, otherwise you'll be charged interest on the outstanding amount. With the Santander Zero Credit Card, any purchases you make will be interest-free for the first 12 months. After 12 months, you'll need to pay interest on your balance.

What is a balance transfer?

If you having an existing credit card balance, you can choose to transfer it to a different card with lower rates or better perks. Many credit card provides offer 0% balance transfers, which means you can move your balance without paying interest.

What does "fee-free currency conversion" on the Santander Zero card mean?

Most credit cards will charge a percentage fee when you use your card to make a purchase in a foreign currency. With the Santander Zero Credit Card, you won't pay any fees when paying in a foreign currency or getting money out abroad. Make sure you choose the local currency if given the choice

What is Santander Retailer Offers?

When you make a purchase at certain retailers using your Santander credit card, you can receive up to 15% of the amount as cashback on your account. The offers change regularly and are tailored to you. These could include cashback at Vue Cinemas, JD, Subway, Costa and Morrisons. 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 cashback just by using your Santander cards.

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Our experts score travel credit cards to determine their value against similar products on the market. We look at a number of important factors, like the cost for non-sterling transactions, any caveats or restrictions related to using your card overseas, travel-related perks/benefits, 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.

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    Default Gravatar
    March 18, 2020

    I have money returning to my zero credit card. Once it returns to my card, can I return that money to my Santander current account?

    Thank you

      Avatarfinder Customer Care
      April 16, 2020

      Hi Alan,

      Thanks for getting in touch. Yes, you should be able to contact Santander directly and ask them to transfer the refunded balance to your Santander current account. You are also free to use the refunded credit as you would with your normal credit limit, but this has a couple of potential drawbacks.

      Any excess credit on your card will not be covered under Section 75, and you’ll likely be charged a fee if you try to withdraw the refunded amount from an ATM.

      I hope this helps, but please let me know if you have any other questions.



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