Write a review

Santander: Zero Credit Card reviews

Name: Zero Credit Card
Rating: 3.94 (17 reviews)

View other Santander products

3.82

Based on 17 reviews, last reviewed 21st Jun 2025

50% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

52%

12%

18%

12%

Latest highest rating:

5

Useful credit card as no fee for spending abroad Useful credit card as no fee for spending abroad Reviewed on: 21st June 2025

Latest lowest rating:

1

Really bad and ineffective customer service Really bad and ineffective customer service, unhelpful at best so changing bank. Reviewed on: 19th March 2025

Read all reviews Write a review

About this product

Review Santander: Zero Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander Zero Credit Card reviews (17)

Useful credit card as no fee for spending abroad

Useful credit card as no fee for spending abroad Reviewed on: 21st June 2025

Really bad and ineffective customer service

Really bad and ineffective customer service, unhelpful at best so changing bank. Reviewed on: 19th March 2025

Good basic credit card with no fee, handy when trave...

Good basic credit card with no fee, handy when traveling abroad. Although the limit of credit supplied is much less than other credit cards in the same category. Very simple to set up if you have another account with the bank, immediately approved. Reviewed on: 18th March 2025

Good credit card for using abroad

Good credit card for using abroad as there is no charge for transactions (but must pay off cash withdrawals immediately to avoid interest) Reviewed on: 26th February 2025

I have all my current accounts here, never had an is...

I have all my current accounts here, never had an issue, the teams are great Reviewed on: 12th April 2024

Great

Great,customer service brilliant Reviewed on: 11th April 2023

No customer service

I advised Santander of my trip to the USA and gave them the dates, and was assured that their records would be noted. In the US the card has worked as normal, but it no longer appears on the app or on on-line banking. I cannot therefore check my card balance. I phoned Santander (costly from USA) and was told they would sort it and phone me back; they never did phone, and my account still indicates that I do not hold this card. Accessing Santander from US was very difficult, and I need to wait until I return to the UK to try to sort this in Branch. Very disappointing and disconcerting. Reviewed on: 16th March 2023

Fairly standard

I've banked with Santander for manu years. They are one of the few banks that seem to maintain a reasonable presence on the high street, whilst investing a lot of effort into online and mobile banking. Their account offers are OK, but they don't really reward customer loyalty. Reviewed on: 9th March 2023

This is not a credit card for the use abroad, it is a nightmare when you are abroad

Admittedly, this was once upon a time a great product. Zero interest abroad. And it is true to its word. However, both me and my father in law, who I recommended this to, recently got stuck. This is no longer a credit card. It declines every transaction abroad. I nearly got stuck in the Emirates and Qatar in February and my father in law just could not do larger purchases or cash in Spain, recently. And we both had notified Santander of going abroad. A good credit card company gives you a seamless experience and never lets you down. Santander always lets you down when you most need it. Tried to use it in Frankfurt last autumn at the car rental. Declined. 2 hours later I find a text message whether or not I approve of the purchase! Their customer services helpline is a joke, over 45 minutes wait. Excuse: COVID. I tried them from Dubai in February and had to give up. I then called them back in England: They are not interested in customer problems "computer says no" attitude. I still have the card, but I am not using it much now, instead I got myself the new Barclaycard cashback and travel abroad card. So far no problems. Perhaps one day one of the people in Santanders head office reads this and makes a change (fat chance!). But their security requirements may save them money, but makes the use of a credit card a joke. Reviewed on: 21st June 2022

Fair fees for transactions abroad.

Nice not to be ripped off by a bank . Reviewed on: 29th March 2022

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

All in One Credit Card
from Santander 2.38 from 16 reviews
All in One Credit Card
from Halifax 3.96 from 72 reviews
Chrome Card
from Vanquis 4.25 from 8 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.16 from 17 reviews
123 Current Account (discontinued)
from Santander 4.16 from 1248 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub