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Santander: Zero Credit Card reviews

Name: Zero Credit Card
Rating: 3.88 (16 reviews)

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3.68

Based on 16 reviews, last reviewed 19th Mar 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

49%

13%

19%

13%

Latest highest rating:

5

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 sam... Read more Reviewed on: 18th March 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

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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.

Already used the Zero credit card on your travels? Please write a review on Smart Money People and help others who are looking for a credit card for foreign transactions!

Santander Zero Credit Card reviews (16)

Review of the Santander, Zero Credit Card:

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

Really bad and ineffective customer service

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

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

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