Santander All In One
Representative APR
29.8% APR (variable)
Purchases
0% for up to 15 months, then 23.90% (variable) p.a.
Balance Transfers
0% for 15 months, then 23.90% (variable) p.a. (0% fee for 15 months)
Account Fees
£3 per month
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., and a fee of £3 per month, most accepted customers get a rate of 29.8% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Santander All In One credit card offers 0% interest on purchases and balance transfers for up to 15 months. It includes a cashback scheme and no fees on foreign transactions, making it a versatile option for everyday spending and travel.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Santander |
|---|---|
| Network | Mastercard |
| Primary Category | Cashback |
| Loyalty Scheme | Cashback |
| Incentive on opening | You can earn 0.5% cashback (up to £10 a month) on your purchases. |
| Cashback/Rewards (if applicable) | You can earn 0.5% cashback (up to £10 a month) on all your purchases. Some transactions aren’t eligible. |
| Account Fee | £3 per month |
| Purchases | 0% for up to 15 months, then 23.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 0% for 15 months, then 23.90% (variable) p.a. (0% fee for 15 months) |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 29.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 500.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £3 per month |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 0.00% |
| Foreign Usage World | 0.00% |
Application Requirements
| Availability | Available to new customers. Must not have an All in One Credit Card. |
|---|---|
| Minimum Income | £ 10,500 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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