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⚖ Add to comparisonSantander UK · Mastercard
Santander All in One Credit Card
The All in One tries to do three things at once: flat cashback, no FX fees and an intro 0% balance transfer, all for a monthly fee of around GBP 3 (about GBP 36/year as of 2026). That fee means low spenders won't break even on cashback, so it suits someone who'll use the FX-free travel and the transfer offer too. A dedicated free no-FX card like Halifax Clarity plus a separate free cashback card can beat it if you'd rather not pay monthly. Confirm the cashback rate, fee and transfer term on santander.co.uk.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓1% cashback on everything you buy
- ✓No foreign transaction fee worldwide
- ✓Introductory 0% spell on balance transfers
- ✓Run it all through Santander online and mobile banking
👍 Pros
- + Pairs cashback with no FX fees
- + Handy introductory balance-transfer deal
- + Straightforward flat cashback rate
👎 Cons
- – A fixed monthly fee applies
- – Cashback is capped within each statement period
Can you get it?
- ▸UK resident, 18 or older
- ▸Registered on the electoral roll at your address
- ▸Good credit score
- ▸Clear Santander's affordability checks
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Santander All in One Credit Card?
Finish your application on the issuer's own secure site.
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