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- Why are cookies essential to how customers use our Websites?
This website, along with most other major websites, uses cookies. Cookies are pieces of information that a website transfers to the cookie file on your computer's hard disk. Cookies enable users to navigate around websites and (where appropriate) enable us to tailor the content to fit the needs of visitors who have accessed the Site and help us improve the user experience. Without cookies enabled we cannot guarantee that the website and your experience whilst visiting are as we intended it to be. None of the cookies used on our websites collect personally identifiable information about you.
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- We use cookies in the following ways:
- To track how visitors reach our site and the path they take through it to help us improve our service to you.
- Within our online application forms.
- For example, we use Google Analytics, a popular web analytics service provided by Google. Google Analytics uses cookies to help us to analyse how users use the site. Find our more about how these cookies are used on the Google Privacy site.
- To understand how our advertising campaigns and promotions are working, to improve our site design, offers and promotions. None of the cookies used on our website collect personally identifiable information about you and no information is passed to third parties.
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- Two types of cookies are used on this website:
- Session Cookies. These are temporary cookies, which only exist in the period you access the website (or more strictly, until you close the browser after accessing the website). Session cookies help the Santander website remember what you chose on the previous page, therefore avoiding having to re-enter information. On our website, these cookies do not contain personal information, and cannot be used to identify you.
The length of time a cookie will remain on your device will depend on the type of cookie. On our website, these cookies do not contain personal information, and cannot be used to identify you.
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- How to control and delete cookies
Santander will not use cookies to collect personally identifiable information about you. However, if you wish to restrict or block the cookies which are set by us, or indeed any other website, you can do this through your browser settings. The Help function within your browser should tell you how.
Alternatively, you may wish to visit www.aboutcookies.org which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer (including those from this visit) as well as more general information about cookies. For information on how to do this on the browser of your mobile device you will need to refer to your handset manual.
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- Can I apply for a Ryanair Credit Card?
You can apply for a Ryanair Credit Card providing that you can say ‘yes’ to the following statements:
- I am 18 years or over, a permanent resident in the UK and have been for the last 12 months.
- I have a good credit history with no previous defaults or County Court Judgements.
- I have a current UK Bank Account and a registered UK telephone number.
- My partner/myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance.
- I do not already have a Ryanair Credit Card issued by Santander Cards UK Limited.
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- How long will it take me to complete an application?
Your application will take you a few minutes to complete. To ensure your application does not take longer than necessary, have your address, employment details and Debit Card details at hand.
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- Will checks be made against my personal details when I apply?
We are required to check your identity. We do this by making searches at Credit Reference Agencies ("CRAs"), Fraud Prevention Agencies ("FPAs") and by checking the information you give us. If you give false or inaccurate information and we suspect fraud we will record this with FPAs.
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- What are credit checks?
We are required to check your identity. We do this by making searches at Credit Reference Agencies ("CRAs"), Fraud Prevention Agencies ("FPAs") and by checking the information you give us. If you give false or inaccurate information and we suspect fraud we will record this with FPAs.
If you tell us you have a financial link with another person, or a link has already been recorded by CRAs, applications for credit by either of you (separately or together) will take the others financial information into account and will be affected by it. This linking will continue (covering any other names used by both of you) until you, or the person who is financially linked with you, successfully apply to CRAs to be disassociated.
We may also use credit scoring and automated decision making systems when considering your application and managing your account. This may involve further searches at CRAs. These searches will not affect your ability to obtain credit.
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- What records are held by CRA’s and FPA’s?
CRAs record credit application searches we make about you and people financially linked to you. CRA credit application searches may be used by other organisations to help make credit decisions about you. FPAs may also record information we share with them about you. We and any other organisation may use CRA and FPA records about you, people financially linked to you, anyone in your household and your business (if you have one) to (1) assess lending and insurance risks, (2) make decisions on and manage credit, insurance and related services, (3) help make decisions on motor, household, credit, life and other insurance proposals or claims, (4) for fraud prevention, debtor tracing, debt recovery or to check you or their identity to prevent money laundering and (5) for statistical analysis and system testing. CRAs and FPAs may also use your data for other purposes for which you give specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
Please telephone us on 0871 522 5146 (Calls cost 10p per minute plus network extras. Calls may be monitored or recorded for training and security purposes) if you want details of the CRAs and FPAs we use. You have a legal right to these details.
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- How long does it take to get a decision?
You normally get an instant decision on line, in certain cases you may be referred and we will contact you for further information.
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- Can I apply again if I am declined?
If you are not accepted for a Ryanair Credit Card this time, you can try again any time if your circumstances change. However, you should be aware that each time you reapply; we will perform Fraud and Identity checks, which are recorded by the Credit Reference Agencies ("CRAs") and Fraud Prevention Agencies ("FPAs") that we use.
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- How will you use my personal information?
We will use and disclose Personal Information in accordance with Condition 9 of the credit agreement. We, Santander Group companies, and other organisations we disclose your Personal Information to, may contact you personally (by letter, fax, phone and mobile phone (including recorded messages, automatic dialling and automatic calling), email, SMS and other electronic methods) about this agreement and with details of other products and services (provided by us or others) that we or they think might interest you, based on the information we hold about you. If you don't wish to receive direct marketing from us, please let us know.
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- Can I start using my Ryanair Credit Card straight away?
Once you receive your card, it will need to be ‘activated’ before you can use it. This is to reduce the risk of your card being intercepted and misused on its way to you. To activate your card call 0800 915 2205. Opening hours are: Monday to Thursday 9am to 8pm, Friday 9am to 7pm and Saturday 9am to 5pm. Please note that calls may be recorded and monitored for training and security purposes.
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- Can I apply for an additional cardholder on my account?
Yes, you can share all your card benefits with a partner or family member at no extra cost. Additional cardholders must be aged 18 and over. They will share your account and credit limit. You’ll be responsible for all use of the Card by the additional cardholder and you’ll have one record of all transactions made on the Card. You will be given the opportunity to do this when you call to apply. If you are already a cardholder you can call Customer Services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
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- What should I do if I have not received my Ryanair Credit Card?
If you do not receive your Ryanair Credit Card within 7-10 days of a successful application, please let us know by calling Customer Services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). Lines are open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm. Every effort will be made to ensure that your card reaches you safely as quickly as possible.
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- How will Santander Cards UK Limited use your personal information?
A condensed guide to the use of your personal information by ourselves and by Credit Reference and Fraud Prevention Agencies
- When you apply to us to open an account, we will check the following records about you and others (see 2 below):
a) Our own;
b) Those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders and this may affect your ability to obtain credit for a short while. They supply to us both public (including the electoral register) and shared credit and fraud prevention information;
c) Those at fraud prevention agencies (FPAs). We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your Account with us.
- If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.
- Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.
- If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
- If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
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Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
This is a condensed version and if you would like to read the full details of how your data may be used please phone 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.
- CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414.
- Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0844 335 0550 or log on to www.myequifax.co.uk
- Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk
- If you would like to receive details of the relevant FPAs please contact us on 0871 522 5146 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
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- Where can I use my Ryanair Credit Card?
You can use your new card practically anywhere. It’s accepted wherever you see the MasterCard brandmark, both in the UK and abroad, online and on the high street.
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- What do I need to earn my Ryanair flights?
You just need to spend £1,500 in the 6 month period to receive a return flight to Europe or spend £3000 and receive 2 return flights to Europe. The 6 month periods run from 11 December to 10 June and 11 June to 10 December. Refunds and balance transfers do not qualify for this spend. As a special introductory offer you will also earn a return flight when you spend £100 in the first 90 days of opening your account. Refunds and balance transfers are not included.
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- How will I know how much I’ve spent so far?
Your monthly statement will give you up to date information on how much you have spent in the period so far.
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- How do I book my flight?
If you have qualified for a bonus flight you will receive an email in July and January containing your flight voucher number and full terms and conditions. You just need to call Ryanair directly to book your flight, its as easy as that! You must provide us with an up to date email address is order to receive your flight voucher. Your email address will be shown on your monthly statement.
Before booking promotional flights with Ryanair earned through the Ryanair Credit Card, customers are advised to compare final fares on www.ryanair.com
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- Are there any exclusions to the flights?
As you would expect from such a great offer there are some exclusions around when and where you can fly to. You will be required to pay taxes, fees and charges for your flights. Full details click here.
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- What if I change my email address or any other personal details?
Please notify us as soon as possible by calling us on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). If you change address, please call our Customer Helpline (above) to let us know your new address immediately. If you don’t tell us your new address and we need to contact you, we may need to instruct agents to trace you. We will charge you our reasonable costs in relation to tracing you
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- Is it easy to pay my Ryanair Credit Card bills?
Yes. You can make payments by any of the following methods:
- Direct Debit – call 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm) or request a form to be posted to you
- Cheque and debit slip on your statement. Please allow up to 7 working days for your payment to reach us.
- By calling customer services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm). Please allow up to 5 working days for your payment to reach us.
- Online with your debit card at www.ryanaircreditcard.co.uk Please allow up to 2 working days for your payment to reach us.
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- How do I manage my Ryanair Credit Card account?
You can manage your account over the phone by calling 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes. Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm)
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- Can I choose my own PIN?
Yes, you can self-select your PIN at most Cash Machines in the UK.
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- Can I transfer a balance to my Ryanair Credit Card?
Yes. Click here for details.
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- Can I apply for a credit limit increase?
You can apply for a credit limit increase once there is at least six months payment history on your account. Just call us on customer services on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes)(Open Mon - Fri 8am to 9pm, Sat - 8am to 8pm and Sun - 8am to 6pm)
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- What should I do if my card is lost or stolen?
Don’t worry, just call 0871 522 5937 (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) immediately. Then, confirm the loss in writing with your full name, address and account number within 7 days to:
Ryanair Card Services
Santander Cards UK Limited
PO Box 700
Leeds
LS99 2BD
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- What if I have a complaint?
Our aim is to offer outstanding service at all times, so should you have a complaint, we want to help you resolve it. Please contact our Customer Services giving your name, address and account number on 0871 522 5937 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes.). Or you can write to us at PO Box 700, Leeds LS99 2BD.
If you are not happy with our final response, or if we’ve not concluded our investigation after eight weeks, you may refer your complaint to the Financial Ombudsman Service at South Quay Plaza, 83 Marsh Wall, London E14 9SR. Telephone 0845 080 1800.
E-mail: enquiries@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
You may also find it helpful before you are entitled to use the Financial Ombudsman Service, to make use of the conciliation scheme provided by the Finance and Leasing Association (FLA) to resolve your complaint. You’ll need to contact the Conciliation and Independent Arbitration Scheme, The Compliance Manager, Finance & Leasing Association, Imperial House, 15 – 19 Kingsway, London WC2B 6UN. Fax: 0207 420 9600. E-mail: code@fla.org.uk, Website: www.fla.org.uk.
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- Will you change my interest rate?
In the future we may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy. In these circumstances we will inform you of any changes by post. To find out more about your rights and further information around credit card / store card re-pricing then please read these independent re-pricing FAQs by the UK Cards Association at www.Santandercards.com/repricing
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- Who are Santander Cards UK Limited?
Santander Cards UK Limited is the credit provider for the Ryanair Credit Card. If you'd like to find out more, please visit Santander Cards UK.
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Credit, subject to age and status, is provided by Santander Cards UK Limited. Registered office: 2 Triton Square, Regent’s Place, London, NW1 3AN. Registered in England and Wales. Registered number:1456283. Ryanair Limited acts as a credit intermediary and only offers credit products for Santander Cards UK Limited. Retailer is Ryanair Limited, an Irish Registered Number 104547, located at Ryanair Corporate Head Office, Dublin Airport, Co. Dublin, Ireland.