The Final Step to Smarter Spending
You have read our review, and the verdict is clear: The Santander All in One is one of the few cards on the UK market that genuinely combines travel perks (No FX fees), debt management (0% Balance Transfer fee), and rewards (Cashback).
However, because the benefits are so high, Santander is selective about who they approve. They are looking for reliable borrowers with a stable income.
To help you secure this card, we have created this application guide. We will walk you through the Eligibility Checker, explain exactly what documents you need, and give you tips to ensure your Balance Transfer goes through smoothly.
1. Checklist: Do You Qualify?
Santander has strict "basic" criteria. If you do not meet these, your application will be automatically declined. Please check this list before clicking the button:
- Age: You must be 18 or over.
- Residency: You must live in the UK permanently.
- Income: You must earn at least £10,500 per year.
- Status: You must not have been declared bankrupt or had a CCJ (County Court Judgment) in the last 6 years.
- Santander History: You must not already hold this specific card (All in One). If you have other Santander cards, you might still be eligible, but check the T&Cs on their site regarding switching.
2. The Golden Rule: Use the "Eligibility Checker"
In the UK, every time you apply for credit, it leaves a "hard footprint" on your credit file. Too many of these in a short time can lower your score.
The Solution: When you click our link to Santander, look for the button that says "Check eligibility" (sometimes called a "Soft Search" or "Clever Check").
- How it works: It performs a "soft search" on your credit file.
- The Benefit: You (and Santander) can see the result, but other lenders cannot. It does not affect your credit rating.
- The Result: It will give you a likelihood of approval (e.g., "9/10" or "Likely to be approved"). Only proceed to the full application if the result is positive.
3. Step-by-Step Application Guide
Here is what happens when you start the process:
Step 1: Go to the Official Site Click [CHECK ELIGIBILITY] below. You will land on the Santander All in One product page.
Step 2: Enter Personal Details You will need to provide:
- Name, Address (and previous addresses if you moved recently).
- Employment status and annual income (be accurate – they may ask for proof later).
- Number of dependents.
Step 3: Configure the Balance Transfer (Crucial Step) If your main goal is to move debt from another card to use the 0% Fee / 0% Interest offer:
- Have your old credit card details ready (Card number, expiry date, amount to transfer).
- Enter these details during the application.
- Tip: Transfers must be made within 90 days of opening the account to get the 0% fee offer, but doing it immediately is often easiest. Remember, you cannot transfer debt from another Santander card.
Step 4: Review the "Important Information" You will see the "SECCI" form (Standard European Consumer Credit Information).
- Check the fee: Confirm you are happy with the £3 monthly fee.
- Check the APR: The Representative APR is 29.8% (Variable). Your actual rate could be higher if your credit score is lower.
Step 5: Decision In most cases, you will get an instant decision online.
- Approved: You will receive your credit limit and the card will arrive in the post within 7-10 working days.
- Referral: Sometimes they need to manually check a document. They will email you.
4. Frequently Asked Questions (FAQ)
When is the £3 fee charged? It is charged monthly to your account. Remember, if you spend £600 a month on the card, the 0.5% cashback (£3) cancels this out.
Can I withdraw cash with this card? Technically yes, but don't do it. Cash withdrawals attract interest immediately (even in the 0% period) and usually have a fee. Use this card for spending and transfers only.
What happens after 15 months? The 0% interest period ends. Any remaining debt will start charging interest at your standard rate (e.g., 29.8%).
- Strategy: Set up a Direct Debit to pay off the full balance (or at least a fixed amount) to ensure the debt is gone by month 15.
Ready to Apply?
Secure your 0% Balance Transfer and travel fee-free on your next holiday. Use the safe link below to start your eligibility check.
You will be redirected to another website.