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| *To benefit from the 0% rate you must make your payments on time and not exceed your credit limit. If you fail to do so we may charge the standard Retail Purchases rate instead of the introductory rate. At the end of the 0% rate period, if you haven’t paid off the transferred balance amount in full, interest will become payable on the remaining amount at your then current standard Retail Purchases rate. The rate of 0% p.a. for 12 months applies to Balance Transfers that you transfer to your Ryanair Credit Card within 6 weeks of signing your Credit Agreement. The Balance Transfer handling fee is 2.99%. Your monthly payments will be allocated to Balance Transfers with a 0% interest rate before other Balance Transfers, Retail Purchases and Cash Transactions which are charged at a higher rate. You cannot transfer balances from a card provided by Santander Cards UK Limited or Santander Consumer Credit Services Limited. Only UK credit 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 balances(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 providers, until the transfer shows on your account with them. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. The handling 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. ** Subject to exclusions and terms. Click here for flight offer terms and conditions. ***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. | |||||||||||||||||||||||||||||||||||||||||||