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Santander: Zero Credit Card reviews

Name: Zero Credit Card
Rating: 4.22 (21 reviews)

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4.22

Based on 21 reviews, last reviewed 24th Mar 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

14%

10%

Latest highest rating:

4

this card is good for overseas travel as there are n... this card is good for overseas travel as there are no forex fees Reviewed on: 24th March 2026

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

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About this product

Santander launched the Zero credit card in October 2016 after they removed the 123 credit card from sale. If you're looking for a credit card to use abroad, check out our Zero credit card reviews to see what people like you are saying about using this card for foreign purchases and cash withdrawals abroad.

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Santander Zero Credit Card reviews (21)

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

Works

Works everywhere without additional fees Reviewed on: 15th February 2022

Credit card

Good for travel due to the interest rate/conversion Reviewed on: 27th April 2020

Zero credit card - best for travelers

The santander zero credit card - no charges even when using abroad and in different currencies. Reviewed on: 19th January 2020

Fee free foreign spending

No fees when spending abroad and fee free foreign currency ATM withdrawals make this card the perfect companion when spending abroad Reviewed on: 5th November 2019

Nice simple credit card for travelling

Great simple card for travelling, zero fees for using your abroad in local currency and even zero fees on taking out cash abroad! No monthly fee, just would be nice to get some cashback or incentive in the uk. Reviewed on: 30th June 2017

Smooth, easy communication

I love being able to get straight through on a helpline, and to be greeted by a lovely tone by someone who is so happy to assist! Super friendly customer service. 10/10 for communications & ive never had any isssues with my service! Reviewed on: 24th June 2017

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