If you don’t, you’ll be paying interest on the amount of cash you took out until your balance is cleared. To avoid any interest charges from a cash withdrawal, you need to pay off the entire existing balance and any outstanding interest as soon as the cash withdrawal is made. This differs from interest on purchases, as you have 56 days before that is applied. If you use your credit card to take out cash from cash machines, you’ll be charged interest from the day you withdraw the money. You can manage your credit limit preferences in Online BankingĪvoid using your credit card for cash withdrawals If you spend over your limit you’ll be charged an over limit fee. Your credit limit can be found on your monthly statement and in Online or Mobile Banking. Stay up-to-date on the go with Mobile BankingĬheck your credit card balance, make payments to your card, view your credit limit and more with our mobile banking app. You can manage your alert settings through Online Banking, or by contacting us. We’ll send you alerts when you’re near your credit limit to help you avoid fees and to make you aware of certain activity on your account. Set up account alerts to help avoid fees and charges Take a look at our Online Banking video guides to learn more. You can also contact us to set up or change a Direct Debit. It takes about a month to set up a Direct Debit so if you need to make a payment to your credit card in the meantime, you'll need to pay your credit card using another method which you can find on the back of your statement. How long will a Direct Debit take to set up? Type the sort code and account number of the current account you want to make the payments from - this can be non-Santander account.Choose the amount you want to repay each month (full payment, minimum payment or fixed payment).Click set up/amend Direct Debit - on the left hand side.Click on the Credit cards tab in the top menu.See the ‘your statement explained’ section for guidance on where to find this information. You can see the amount you’re currently paying on your statement. This will also reduce the total amount of interest you pay. If you do already have a Direct Debit set up to pay your credit card balance, you could increase the amount you pay each month to pay off the balance more quickly. Fixed payment: an amount that you decide to pay each month.Minimum payment: a percentage of your balance which we require you to pay each month.Full payment: which pays off the entire balance each month.You can set your Direct Debit to pay in one of 3 ways. It will take a few minutes to do in Online Banking and will then happen every month without you having to do anything further. Setting up a Direct Debit is the hassle-free way to pay your credit card bill. Investment fees, charges and key documents.Savings and investments View all savings and investments.Everyday No Balance Transfer Fee Credit Card.Everyday Long Term Balance Transfer Credit Card.Current accounts View all current accounts.
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