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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 the key product features of your Ryanair Credit Card 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 Rate Annual Rate
Retail Purchases N/A From 1.527% p.m. to 1.874% p.m From 18.329% p.a. to 22.482% p.a.
Cash Transactions2 N/A From 2.104% p.m. to 2.130% p.m From 25.249% p.a. to 25.555% p.a.
Balance Transfers2 0% p.a. interest for 9 months1 From 1.527% p.m. to 1.874% p.m. From 18.329% p.a. to 22.482% p.a.
Interest Free Period • Maximum 56 days for Retail Purchases if you pay your balance in full and on time.
Interest Charging Information You will not pay interest on new purchases if you pay your balance in full and on time Otherwise, the period over which interest is charged will be as follows:
From Until
Retail Purchases* Date of Transaction Repaid in full
Cash Transactions Date of Transaction Repaid in full
Balance Transfers* Date of Transaction Repaid in full
*Interest free period only applies to the introductory rate.
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)(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 customer terms and conditions for full details.
Minimum repayment • The full balance outstanding if it is less than £5, 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 £500
Maximum credit limit Subject to Status
Fees • No annual fee
• Introductory Rate Balance Transfers - 2.99%
• Special Transaction Balance Transfers – we will tell you the amount of the fee when offering these to you
Charges 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 your credit card terms and 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 £25 (applied if you do not inform us of a change of address and we have to trace you)
¹Applies to Balance Transfers made within 6 weeks of signing your Agreement

²Where 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 quality 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.
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Privacy Policy | Accessibility | Terms and Conditions | Legal Notice

UK flag This site is intended for UK residents only. Credit is subject to status to UK residents aged 18 years or over. The Ryanair Credit Card is issued by Santander Cards UK Limited, Registered Office 2 Triton Square, Regent's Place, London NW1 3AN. Registered No. 1456283. Ryanair Limited, an Irish Registered Number 104547, located at Ryanair Corporate Head Office, Dublin Airport, Co. Dublin, Ireland.

*This offer applies to balances transferred within 6 weeks of the date you signed your credit agreement and is subject to the available credit that is available on the account. A transfer fee of 2.99% of the total amount transferred will be charged each time you make a transfer. This fee will be shown on your next monthly statement. Only UK storecard and credit card balances may be transferred and these are subject to our approval. At the end of this period, for any outstanding balance your standard Retail Purchases rate will apply. Your monthly payments will be allocaqted to Balance Transfer with a 0% interest rate before other Balance Transfers, Retail Purchases and Cash Transactions which are charged at a higher rate. To benefit from the 0% rate you must make your payments on time and not exceed your credit limit.

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