Earn Ryanair flights
No Paperwork, 3 minute Application, Apply Now, Typical 19.9 APR Variable
Card Summary
0% P.A for 12 months on balance transfers* (2.99% fee applies) Earn up to 5 Bonus flights, terms apply. Typical 19.9 APR Variablle Apply Now, Click here to apply now or find out more
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Find out more, The Ryanair Credit Card, Secure Site
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Key Information In Relation To Your Account.


Below is a summary of the key features of the Ryanair Credit Card. It is provided for your convenience and does not form part of any agreement with Santander Cards UK Limited. It is not intended to replace any terms and conditions.
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Summary Box


The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR

• Typical 19.9% APR variable


• Rates from 19.9% APR to 24.9% APR depending on individual circumstances
Other interest rates Introductory Rate*Monthly RateAnnual Rate
Retail Purchases N/A From 1.527% p.m. to 1.874% p.m. From 18.3% p.a. to 22.5% p.a.
Cash Transactions2 N/A From 2.104% p.m. to 2.130% p.m. From 25.2% p.a. to 25.6% p.a.
Balance Transfers2 0% p.a. interest for 12 months1 From 1.527% p.m. to 1.874% p.m. From 18.3% p.a. to 22.5% p.a.
Interest Free Period
  • Interest free period on Retail Purchases applies to the introductory rate period (if any). Otherwise, maximum 56 days on Retail Purchases if you pay your balance in full and on time.
  • Interest free period on Balance Transfers only applies to the introductory rate period (if any). Otherwise, there is no interest free period on Balance Transfers or Cash Transactions.
Interest Charging Information
  From To
Retail Purchases Date added to Account Repaid in full*
Cash Transactions Date added to Account Repaid in full*
Balance Transfers Date added to Account Repaid in full*
*Interest is calculated daily. You will not pay interest on new purchases if you pay your balance in full and on time each month. If you have not paid your balance in full in the previous month, you may receive a further interest charge in the following month even if you have paid your balance in the current month in full.
Allocation of Payments If you do not pay off your balance in full, payments we receive will be applied in the following order:

  1. Insurance Premiums;
  2. Interest, Charges or Fees (other than foreign currency fees)(in that order)
  3. Balance Transfers (those with lower rates being paid first)
  4. Retail Purchases (in the order they were added to your Account)
  5. Cash Transactions (those with lower rates being paid first)
  6. Buy Now Pay Later Transactions (in the order they were added to your Account)

Foreign currency fees will be repaid in the same order set out above as the Transaction to which they relate. See the 'Other Financial Information' section of the Credit Agreement' for full details
Minimum repayment
  • The full balance outstanding if it is less than £5.00, otherwise 3% (minimum £5.00) of the outstanding balance.
  • If you only make the minimum payment it will take longer and cost more to clear your balance.
Amount of Credit Minimum credit limit
£1000
Maximum credit limit Subject to Status
Fees • No annual fee
Charges Introductory Rate Balance Transfers 2.99%
Special Transactions Balance Transfers We will tell you the amount of the fee when offering these to you.
Cash Transactions 3% (minimum £3.00)
Paper copies of statements £3.00
Overseas Transactions (including Cash Transactions) 2.75%
For further details, please refer to Credit Agreement Additional Conditions
Default Charges Late Payment Fee £12.00
Administration Fee for returned cheques or direct debits £12.00
Over limit fee £12.00
Trace Fee (applied if you do not inform us of a change of address and we have to trace you) £25.00
Credit Balance Fee (applied if you have a credit balance on your Account for three consecutive months) Up to £10

1 Applies to Balance Transfers made within 6 weeks of signing your Agreement

2 Where permitted on the account

No Quibble Guarantee®
In the unlikely event that you are not totally satisfied with your Ryanair Credit Card, please call our Customer Services on 0871 522 5937 (calls may be recorded and monitored for training and security purposes. Calls cost 10p per minute plus network extras.) and take advantage of our No Quibble Guarantee. If you contact us within 60 days of opening your Account and then pay your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees (we may require the notification in writing). This guarantee is in addition to and does not affect any statutory rights that you may have.

UK Residents OnlyCredit, 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. Retailer is Ryanair Limited, an Irish Registered Number 104547, located at Ryanair Corporate Head Office, Dublin Airport, Co. Dublin, Ireland.

*The balance transfer fee is 2.99%; once the balance transfer has been processed, this fee cannot be returned, even if you change your mind. You cannot transfer balances from another card with the same retailer branding as the one to which you wish to transfer the balance. The 0% offers may be withdrawn if you fail to make repayments on time and/or exceed your credit limit. At the end of the 0% period, if you haven't paid off the amount of the purchases and/or the balance transfer in full, interest will become payable on the remaining amount at your then current standard purchase rate. Payments you make will be allocated to balances with a 0% rate before balances with a higher rate; this may mean that your balance will take longer to repay. Only UK storecard and credit card balances may be transferred and all transfers are subject to our approval. You can transfer any amount from £100 up to your available credit limit (less £100 and the amount of your handling fee). All or part of the balance(s) requested will be transferred subject to your available credit limit. A balance transfer can take up to 15 days to be completed. You should continue making monthly repayments to your existing card provider, until the transfer shows on your account with them. After a balance transfer has been processed, you cannot cancel it and the fee cannot be refunded to you. The fee will be shown on your monthly statement following the transfer. The balance transfers will not be processed until after you have activated the card. We reserve the right to withdraw these offers at any time.

 

**Further information can be found on the Flight Offers page.