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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

• 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 1.824% 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 22.482% p.a.
Balance Transfers2 0% p.a. interest for 12 months1 From 1.527% p.m. to 1.824% p.m. From 18.329% p.a. to 22.482% 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 You will not pay interest on new Retail Purchases if you pay your balance in full and on time Otherwise, the period over which interest is charged will be as follows:
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
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 £500
Maximum credit limit Subject to Status
Fees • No annual fee
Charges Introductory Rate Balance Transfers 2.99%
Special Transaction 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 the 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 £25.00 (applied if you do not inform us of a change of address and we have to trace you)
Credit Balance Fee Up to £10 (applied if you have a credit balance on your Account for three consecutive months)

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

2 Where permitted on the account
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Privacy Policy | Accessibility | Terms and Conditions | Legal Notice

UK flag Credit is provided subject to status to UK residents aged 18 years and over. Credit 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.

*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.

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