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Card Summary

Apply Now, Representative 19.9% APR Variable
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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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The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR

• Representative 19.9% APR variable


• Rates from 19.9% APR to 24.9% APR depending on individual circumstances
Other interest rates Introductory Rate* Monthly Rate Annual Rate
Purchases not applicable 1.527% p.m. to 1.874% p.m. 19.9% p.a. to 24.9% p.a.
Cash Transactions2 not applicable 2.104% p.m. to 2.130% p.m. 28.4% p.a. to 28.8% p.a.
Balance Transfers2 0% for 12 Months¹ 1.527% p.m to 1.874% p.m. 19.9% p.a. to 24.9% p.a.
Interest Free Period
  • Interest free period on Purchases applies to the introductory rate period (if any). Otherwise, maximum 56 days on 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
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 are applied to the highest interest bearing transactions first.
For further details, please refer to your card terms and conditions.
Minimum repayment
  • All fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the amount you have exceeded your credit limit. (Subject to a minimum £5)
  • If you only make the minimum payment it will take longer and cost more to clear your balance.

 
Credit Limit Minimum credit limit
£1000
Maximum credit limit Subject to Status
Fees • No annual fee
Charges Balance Transfers Up to 5.00%
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 the Credit Agreement
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

* To benefit from the 0% rate you must not break the agreement, eg by not making your required monthly payments on time or exceeding your credit limit. If you do break the agreement, we may charge the standard Purchase rate or Balance Transfer rate (as applicable) instead of the introductory rate.

UK Residents Only 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.

*Terms and conditions apply. Click here for details.

 

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