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Santander Zero card!! No foreign fees!

£0.00 @ Santander
The credit card seems to have returned! No foreign transaction fees on purchases when made in the local currency No cash withdrawal fee anywhere in the world No monthly fee Read More
gsk111 Avatar
7m, 1w agoFound 7 months, 1 week ago
The credit card seems to have returned!

No foreign transaction fees on purchases when made in the local currency
No cash withdrawal fee anywhere in the world
No monthly fee
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gsk111 Avatar
7m, 1w agoFound 7 months, 1 week ago
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Top Comments

(1)
6 Likes
Astec
LesD
zerocrop
This that you refer to is not a credit card, but a debit card associated with a basic current account.
And which does charge fees on foreign transactions.
"If you use your VISA debit card for transactions abroad, you may be charged a foreign exchange fee."
Here's the correct link to the Zero card.http://www.santander.co.uk/uk/credit-cards/zero-credit-card
Note, as with the Clarity card, it will still charge interest on cash withdrawals from the date of withdrawal.
If it's a debit card then it can't charge interest unless you are overdrawn can it?

Oh dear....HUKD seeks to confuse yet again!

Slowly does it......

The post says it's about a CREDIT CARD but the get deal link goes to the current account cheque account which issues a DEBIT card.

The DEBIT card charges fees, but (you're right) no interest.

The CREDIT card does NOT charge fees, but does charge interest.

All clear now?

All Comments

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2 Likes #1
This that you refer to is not a credit card, but a debit card associated with a basic current account.

Edited By: zerocrop on Nov 14, 2016 11:04
1 Like #2
This one is better, or the Halifax clarity card?
1 Like #3
zerocrop
This that you refer to is not a credit card, but a debit card associated with a basic current account.

And which does charge fees on foreign transactions.

"If you use your VISA debit card for transactions abroad, you may be charged a foreign exchange fee."

Here's the correct link to the Zero card.

http://www.santander.co.uk/uk/credit-cards/zero-credit-card

Note, as with the Clarity card, it will still charge interest on cash withdrawals from the date of withdrawal.





Edited By: LesD on Nov 14, 2016 11:57
2 Likes #4
I can't see what exchange rate they will give you on foreign transactions. Presumably that is where they make their money because the no foreign transaction fee only apply if you use the local currency.

I still think the Revolut card is better. It's a debit card not a credit card but there are no fees involved (if you stick to their fair use policy) and you get the live inter bank exchange rate on transactions.
1 Like #5
LesD
zerocrop
This that you refer to is not a credit card, but a debit card associated with a basic current account.
And which does charge fees on foreign transactions.
"If you use your VISA debit card for transactions abroad, you may be charged a foreign exchange fee."
Here's the correct link to the Zero card.http://www.santander.co.uk/uk/credit-cards/zero-credit-card
Note, as with the Clarity card, it will still charge interest on cash withdrawals from the date of withdrawal.
If it's a debit card then it can't charge interest unless you are overdrawn can it?
1 Like #6
colin4man
I can't see what exchange rate they will give you on foreign transactions. ..

Payment scheme exchange rate applies
Rates can be found at mastercard.com or visaeurope.com
#7
The Post Office credit card allows you to buy things abroad with no exchange fees
1 Like #8
Dazza34
The Post Office credit card allows you to buy things abroad with no exchange fees
I think this only applies to their Platinum card, and there is a cash handling fee of 2.5% (minimum £3)

This deal offers "No cash withdrawal fee anywhere in the world"
6 Likes #9
Astec
LesD
zerocrop
This that you refer to is not a credit card, but a debit card associated with a basic current account.
And which does charge fees on foreign transactions.
"If you use your VISA debit card for transactions abroad, you may be charged a foreign exchange fee."
Here's the correct link to the Zero card.http://www.santander.co.uk/uk/credit-cards/zero-credit-card
Note, as with the Clarity card, it will still charge interest on cash withdrawals from the date of withdrawal.
If it's a debit card then it can't charge interest unless you are overdrawn can it?

Oh dear....HUKD seeks to confuse yet again!

Slowly does it......

The post says it's about a CREDIT CARD but the get deal link goes to the current account cheque account which issues a DEBIT card.

The DEBIT card charges fees, but (you're right) no interest.

The CREDIT card does NOT charge fees, but does charge interest.

All clear now?
#10
Astec
LesD
zerocrop
This that you refer to is not a credit card, but a debit card associated with a basic current account.
And which does charge fees on foreign transactions.
"If you use your VISA debit card for transactions abroad, you may be charged a foreign exchange fee."
Here's the correct link to the Zero card.http://www.santander.co.uk/uk/credit-cards/zero-credit-card
Note, as with the Clarity card, it will still charge interest on cash withdrawals from the date of withdrawal.
If it's a debit card then it can't charge interest unless you are overdrawn can it?

colin4man
I can't see what exchange rate they will give you on foreign transactions. Presumably that is where they make their money because the no foreign transaction fee only apply if you use the local currency.
I still think the Revolut card is better. It's a debit card not a credit card but there are no fees involved (if you stick to their fair use policy) and you get the live inter bank exchange rate on transactions.

I just tried signing up with revolut, they not taking any new users on at the moment.

Thanks OP for the heads up on the zero credit card, I phoned and got accepted for one.
#11
Santander 123 & Halifax Clarity cards are at the top of their game.
#12
Good Credit Card for foreign purchases. I already use a Nationwide Select Credit Card abroad but will get my girlfriend (she banks with Santander)to apply to this before our next foreign holiday. The exchange rate will be better as this is a MasterCard rather than Nationwide which is Visa. Might get one myself. HOT.
#13

The CREDIT card does NOT charge fees, but does charge interest.
All clear now?

It doesn't charge interest on local currency purchases if statement balance paid in full.
#14
colin4man
I still think the Revolut card is better. It's a debit card not a credit card but there are no fees involved (if you stick to their fair use policy) and you get the live inter bank exchange rate on transactions.

Agree re Revolut card. Just returned from US and borrowed the mini me's card after being harassed into using it! Brill rate. Now applying for my own.
#15
How does this stack up against the Halifax clarity card (which is also a Mastercard with "No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency" and "No cash withdrawal fees at home and abroad")?

Also I'm wondering whether Santander will be up for swapping an Everyday Credit Card (which I already have), for a Zero card. Will update if I get around to ringing and asking.
#16
I'm cooling rapidly on Santander 123. My current account is about to halve in monthly interest, looking to switch.
#17
Had one of these for yonks - great for overseas.
Only point to note (& I've looked in the current T&C's and cant see it) I was told in branch and on the telephone that there was a charge for cash withdrawals in the UK as the card was meant to be used overseas.
(I had a credit balance from a refund and they just transfered the money to my account instead).
1 Like #18
monkeyhanger75
I'm cooling rapidly on Santander 123. My current account is about to halve in monthly interest, looking to switch.

About to? It already has from 2 weeks ago!
#19
monkeyhanger75
I'm cooling rapidly on Santander 123. My current account is about to halve in monthly interest, looking to switch.

I emailed them to ask why in 3 months they had doubled what I pay them (monthly fee to pm) whilst halving the interest rates down from 3% to 1.5%) all because of a 1/4% bank rate drop.
I accused them of corporate greed.
I was not surprised to not receive a reply.
Few challengers left as TSB has dropped their best rates from 5% to 2%.

Edited By: landros1 on Nov 14, 2016 20:21
#20
landros1
monkeyhanger75
I'm cooling rapidly on Santander 123. My current account is about to halve in monthly interest, looking to switch.
I emailed them to ask why in 3 months they had doubled what I pay them (monthly fee to pm) whilst halving the interest rates down from 3% to 1.5%) all because of a 1/4% bank rate drop.
I accused them of corporate greed.
I was not surprised to not receive a reply.
Few challengers left as TSB has dropped their best rates from 5% to 2%.


The problem is if you had this account back when the fee was lower and interest was higher it was a no brainer. Those with say over £10k in it are still finding with the changes it is the best of a bad bunch. All of the banks have used the small drop in interest rates to make a huge difference in their rates. I'm sure if and when interest rates increase they won't be changing the accounts and rates
#21
Thanks OP, I just applied online.

the links above all directed to the wrong page.

People need to google and find Santander Zero credit card.



Edited By: huangxq2 on Nov 14, 2016 21:46
1 Like #22
rainbowwheel
This one is better, or the Halifax clarity card?
For normal foreign cash purchases they are about the same. Both cards are MasterCard and use previous day mid rate.
For atm withdrawals the clarity beats it mostly because you can get a lower interest rate on the clarity and Halifax aren't so precious over preloading.
I have both and preload the clarity for interest free cash withdrawals at mid rate.
For the eu there is an odd rule that states you must be able to work out what it will cost you so cards use the previous day's rates which are published. I have been caught a couple of times abroad by large currency movements and both times I was able to withdraw cash from the atm at the old rate up to midnight.
#23
all banks do this, they either give you "free" fees and a shody exchange rate (and the bigger the buy the more you lose out) or the charge you a small fee, usually capped but give you pretty much the chrrent exchange rate. then you get the greedy ones that do both. its not a deal worth getting excoted about - usually a pre-paid holiday card can give you better short term savings.
#24
pgjeffery
Had one of these for yonks - great for overseas.
Only point to note (& I've looked in the current T&C's and cant see it) I was told in branch and on the telephone that there was a charge for cash withdrawals in the UK as the card was meant to be used overseas.
(I had a credit balance from a refund and they just transfered the money to my account instead).

If are withdrawing cash using the zero credit card you'll be charged interest up to when the balance is paid off in full. If you withdraw 100Euros for example then your balance is paid off a couple of weeks later, it will be around a pound in interest. You can do a faster payment to the credit card account on the balance when the transaction shows up to prevent the interest accruing over time. I have used one for several years for overseas travel/work.
1 Like #25
jamesallsup
all banks do this, they either give you "free" fees and a shody exchange rate (and the bigger the buy the more you lose out) or the charge you a small fee, usually capped but give you pretty much the chrrent exchange rate. then you get the greedy ones that do both. its not a deal worth getting excoted about - usually a pre-paid holiday card can give you better short term savings.
Complete nonsense. The Halifax clarity card and this card use intra bank exchange rates and no fees except minimal interest. Eg I withdrew €500 abroad a few months back and paid it back upon my return. Total interest 63p. Prepaid holiday cards generally offer poor exchange rates or loading fees.
1 Like #26
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals

Halifax clarity varies between 13% and 16% dependent on initial contract offer

Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.

Proper link

http://www.santander.co.uk/uk/credit-cards/zero-credit-card

Edited By: chocci on Nov 15, 2016 06:43
#27
if you take money out of the ATM in thailand, you will get charged about £7 for each transaction - all the banks do it here, they have stated charging me £14 to bring money into my thai account as well from a bank transfer from UK account, this is a new thing though.

Nothing to do with this card, its a Thai ATM fee.
#28
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals

Halifax clarity varies between 13% and 16% dependent on initial contract offer

Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.

Proper link

http://www.santander.co.uk/uk/credit-cards/zero-credit-card


for Halifax clarity card, someone on this forum mentioned there wouldn't be interest occur even if you withdraw cash as long as you pay full for your balance every month.

Anyone could confirm this or otherwise?
1 Like #29
chenzz
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals
Halifax clarity varies between 13% and 16% dependent on initial contract offer
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
Proper link http://www.santander.co.uk/uk/credit-cards/zero-credit-card
for Halifax clarity card, someone on this forum mentioned there wouldn't be interest occur even if you withdraw cash as long as you pay full for your balance every month.
Anyone could confirm this or otherwise?
No, you pay interest from the day you take cash out. But go online and pay in amount straight away and cost is minimal. Use my Halifax Clarity card for long-haul backpacking - a Godsend from the days of rip-off credit/debit card charges and travellers cheques.
#30
As above, but bear in mind that the interest charge, even if you settle on the due date, is insignificant compared with the usual withdrawal fees and/or interest rate loading of many other cards.
#31
Thanks, applied & accepted
#32
jobibear
chenzz
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals
Halifax clarity varies between 13% and 16% dependent on initial contract offer
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
Proper link http://www.santander.co.uk/uk/credit-cards/zero-credit-card
for Halifax clarity card, someone on this forum mentioned there wouldn't be interest occur even if you withdraw cash as long as you pay full for your balance every month.
Anyone could confirm this or otherwise?
No, you pay interest from the day you take cash out. But go online and pay in amount straight away and cost is minimal. Use my Halifax Clarity card for long-haul backpacking - a Godsend from the days of rip-off credit/debit card charges and travellers cheques.

Is the statement from your previous experience? You have been charged because you didn't pay the cash out back into the credit card straight away? If you are getting the information from T&S, then it might be different from their actual practice.

My experience is that there were a few times I paid about 1 - 2 days after my cash withdrawn overseas, and NO interest occurred AT ALL.
#33
chocci
[
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.

How do you do this?
#34
rally
chocci
[
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
How do you do this?
Either via the app or online banking
#35
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals
Halifax clarity varies between 13% and 16% dependent on initial contract offer
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
Proper link http://www.santander.co.uk/uk/credit-cards/zero-credit-card

If you try editing their deal, it's the link they used but for some reason, clicking Santander links appears to automatically forward you to current accounts page. I tried with http://www.santander.co.uk/uk/insurance and clicking it still forwards you to Current accounts page. Copy and pasting the link text: [ santander.co.uk/uk/credit-cards/zero-credit-card ] into address bar will work though
#36
chenzz

My experience is that there were a few times I paid about 1 - 2 days after my cash withdrawn overseas, and NO interest occurred AT ALL.
That would be about right as it will take at least one day for the amount to hit your card account and they tend to ignore interest sup 1p.
#37
dreadzone101
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals
Halifax clarity varies between 13% and 16% dependent on initial contract offer
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
Proper link http://www.santander.co.uk/uk/credit-cards/zero-credit-card
If you try editing their deal, it's the link they used but for some reason, clicking Santander links appears to automatically forward you to current accounts page. I tried with http://www.santander.co.uk/uk/insurance and clicking it still forwards you to Current accounts page. Copy and pasting the link text: [ santander.co.uk/uk/credit-cards/zero-credit-card ] into address bar will work though
Thanks but only the op can change the deal url
#38
chocci
dreadzone101
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals
Halifax clarity varies between 13% and 16% dependent on initial contract offer
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
Proper link http://www.santander.co.uk/uk/credit-cards/zero-credit-card
If you try editing their deal, it's the link they used but for some reason, clicking Santander links appears to automatically forward you to current accounts page. I tried with http://www.santander.co.uk/uk/insurance and clicking it still forwards you to Current accounts page. Copy and pasting the link text: [ santander.co.uk/uk/credit-cards/zero-credit-card ] into address bar will work though
Thanks but only the op can change the deal url

You misinterpreted my point. I wasn't suggesting for you to change it for them. I said that if you go into edit, you can see what is the address link they used in the deal. It is the exact same as the "proper link". My point was that whether you click 'Get Deal' or the hyperlink for the "proper link" in your comment, it'll still forward you to the wrong page.
#39
dreadzone101
chocci
dreadzone101
chocci
rainbowwheel
This one is better, or the Halifax clarity card?
Santander 18.9% interest on cash withdrawals
Halifax clarity varies between 13% and 16% dependent on initial contract offer
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
Proper link http://www.santander.co.uk/uk/credit-cards/zero-credit-card
If you try editing their deal, it's the link they used but for some reason, clicking Santander links appears to automatically forward you to current accounts page. I tried with http://www.santander.co.uk/uk/insurance and clicking it still forwards you to Current accounts page. Copy and pasting the link text: [ santander.co.uk/uk/credit-cards/zero-credit-card ] into address bar will work though
Thanks but only the op can change the deal url
You misinterpreted my point. I wasn't suggesting for you to change it for them. I said that if you go into edit, you can see what is the address link they used in the deal. It is the exact same as the "proper link". My point was that whether you click 'Get Deal' or the hyperlink for the "proper link" in your comment, it'll still forward you to the wrong page.

Ah.....the mysteries of the HUKD software coding!

The tag line says 'Copyright © 2016' but I bet the software hasn't seen much change since the site was opened.

These bugs have been around for years.
#40
chocci
rally
chocci
[
Generally, I just set up a payment scheduled to pay off the amount withdrawn on the same day so interest is zero.
How do you do this?
Either via the app or online banking

Is this the Santander app and online banking?

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