Santander cards

What kind of card do you need?

Cards are a simple and secure payment method, and avoid the downsides of having to use cash.

If you're looking for something that will let you pay with credit and pay it back at the end of the month, next month or in instalments, a credit card is what you're after. On the other hand, if you want to use the money you already have in your account or withdraw cash, you need a debit card.

Functionality	Santander debit card	Santander credit card
Debit card cash withdrawals (free at Santander ATMs)
Simple payments (using your phone with Apple Pay, Samsung Pay, Google Pay, Garmin Pay and Fitbit Pay)
Carbon footprint calculation and offsetting
Choose how to pay whenever you wish: Split purchases. Defer bills. Finance for Bizum transactions, transfers, bills etc.
Santander Premia benefits (discounts and bonuses)1
Access to the Santander Iberia Plus Plan
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Most common doubts about cards

• How can I pay with my mobile?
  

• You can pay with your mobile devices with Apple Pay, Google Pay, Samsung Pay, Garmin and Fitbit. You can add your card to iOS mobile devices (with Apple Wallet) or Samsung Android (with Samsung Pay) through the Santander App or through the leading payment apps (Google Wallet, Garmin and Fitbit).

• Do I have to pay interest for using my credit card?
  

• This will depend on the payment method that you have chosen. For example, with the end-of-month payment method, you will return the total credit that you have during the agreed settlement period, and when this ends, you will not pay interest (0% NIR and 0% APR). However, if you pay with a credit card using the deferred payment option or if you use a financing option, you will pay the associated interest or commission.

• Can I change the card's payment method at any time?
  

• Yes. You can change your card's payment method at any time from the Santander App or website.