Santander All in One: Cashback, Fee and Transfers

The Santander All in One Credit Card is a cashback card with a monthly account fee.

That combination is the whole point of the card, and it is also where the trade-offs sit. The cashback is capped, so the amount you can earn back in a month is limited however much you spend. The fee is charged whether or not you use the card. And the absence of a foreign transaction fee does not make overseas cash withdrawals free, because a cash advance on a credit card normally carries its own fee and interest.

This page explains how each part works, what Santander's terms say, who can apply, and where to get help if a payment or a complaint goes wrong. It does not give rates or the current fee figure: Santander's own site has today's figures, and they change.

What the Santander All in One Credit Card offers

The All in One is one of a small group of Santander credit cards that combine a reward with travel-friendly terms. Santander lists the Rewards, All in One and World Elite credit cards among those that do not charge foreign exchange fees, alongside its Edge, Edge Up and Edge Explorer current accounts and its Edge, 1|2|3 and Zero cards³. The All in One is available for new applications¹.

Its features fall into four groups. First, cashback on spending, subject to a monthly cap. Second, a monthly account fee, which Santander confirms applies to the All in One and World Elite cards³. Third, a promotional 0% period on balance transfers. Fourth, no foreign transaction fee on purchases or cash withdrawals made abroad in the local currency¹.

Like other Santander credit cards, it comes with an interest-free period of up to 56 days on purchases if you pay your full balance on time and in full each month². A contactless card is sent automatically when a current card expires, or when you apply for an eligible Santander current account or any Santander credit card⁴. The card can be added to Apple Pay, Google Pay, Samsung Pay and Garmin Pay, though Santander excludes cash machine-only, non-contactless, Basic Current Account contactless and top-up debit cards from mobile payments⁵.

Santander also runs Boosts, a card-linked offers scheme. Activating an offer links it to all your personal Santander debit and credit cards, and you can spend online or in store as many times as you like for qualifying purchases⁶. Cashback from Boosts is paid to your registered personal bank account once you have activated the offers and made the qualifying purchases⁶. Boosts is separate from the card's own cashback, and it does not apply to every transaction: Santander states that any cashback benefits associated with your cards, including Santander Boosts, will not apply to single immediate payments including credit card balance transfers made through a third party provider⁷.

How cashback is earned and paid

Cashback credit cards work by paying back a percentage of what you spend on the card, usually as credit on your card balance⁸. The All in One follows that pattern: Santander states that cashback is calculated monthly and added to your account on your statement date for the following month⁹. It is not paid into a bank account.

That timing matters for two reasons. First, the cashback reduces what you owe on the card rather than arriving as money you can spend elsewhere. Second, because it is calculated monthly, the cap applies month by month: you cannot carry unused allowance from a quiet month into a heavy one, and you cannot earn more than the cap in a busy one.

Payment timing varies across the market, which is worth knowing if you are comparing how a card behaves rather than what it pays. Some lenders pay cashback directly into your bank account monthly, quarterly or annually, while others take it off your credit card bill⁸. HSBC describes cashback as paid into your bank account or rewarded as credit either monthly or annually, depending on the type of card¹⁰. Santander's own World Elite Mastercard pays cashback into your account on the same day as your statement date¹¹.

One condition sits underneath all of this. Santander's own guidance is blunt about the arithmetic: if you do not clear your balance every month, the interest charged will probably be more than the cashback you get¹². A capped reward does not offset interest on a revolving balance.

The monthly fee and how it weighs against cashback

The All in One charges a monthly account fee. The fee is charged for holding the account, so it applies in months when you spend nothing and in months when you have already hit the cashback cap.

That is the central calculation a reader has to make. The fee is charged every month regardless. In a month where you spend enough to reach the cap, the cashback exceeds the fee; in a month where you spend little or nothing, the fee is a cost with no offsetting reward. Over a year, the fee is charged twelve times whether or not the card is used.

Fees on credit cards are not unusual, and they take different forms. Santander notes that some credit cards will have a monthly or annual fee², and Citizens Advice explains that some cards charge a fee each year for use of the card, added to the amount due¹³. The All in One's fee is monthly rather than annual, which means it is charged more often but in smaller amounts.

The fee is also not the only cost to weigh. If you use the card for cash, the costs change shape entirely. Which? notes that paying for foreign currency by credit card can trigger a cash advance fee, a higher APR and no interest-free period even if the bill is repaid in full and on time¹⁴. That applies to cash withdrawals generally, and it sits alongside the card's absence of a foreign transaction fee rather than being cancelled by it.

Balance transfers: how the promotional period works

A balance transfer moves an existing card debt onto a different card. During that window the transferred balance does not attract interest; after it ends, the balance moves to the card's standard rate.

The window is the thing to plan around. Promotional periods across the market vary widely: Bank of Scotland describes a card offering a promotional balance transfer period from account opening, with the balance transferred in the first few months¹⁵, while Experian notes that a balance transfer period might last a few months or even up to two years¹⁶. The length of the window, not the headline rate, decides how much of the balance you can realistically clear interest free.

Transfers usually cost something. National Debtline makes the same point: you usually have to pay a fee to move a balance to a different card¹⁷. Santander's own terms state that if you transfer a balance at any other time, you will pay a balance transfer fee and interest will be charged at the standard purchase rate². Santander's site has the current fee for the All in One.

Using the card abroad without foreign transaction fees

Santander states that you will not be charged foreign transaction fees for purchases or cash withdrawals made abroad in the local currency on the All in One Credit Card¹. The same wording applies to the Santander Edge credit card¹, and the World Elite Mastercard carries the same terms on purchases in the local currency¹¹.

The phrase "in the local currency" is doing real work. The fee waiver applies when the transaction is made in the currency of the country you are in. If a terminal or a website offers to convert the charge into pounds at the till, that is a different transaction, and the waiver as Santander describes it is tied to local-currency spending.

The second thing to understand is that no foreign transaction fee is not the same as free cash. Santander's general guidance for credit cards says that when you use your card abroad you may be charged additional fees and interest for making non-sterling transactions². Which? is more specific about cash: withdrawing foreign currency on a credit card can mean a cash advance fee, a higher APR and no interest-free period even if you repay in full and on time¹⁴. So a cash withdrawal abroad on the All in One avoids the foreign transaction fee but can still attract the cash advance costs that apply to credit card withdrawals generally.

Debit cards work differently. Santander states that Santander debit card withdrawals at a Santander machine are free, and lists Spain, Germany, Poland, Portugal, Argentina, Brazil, Puerto Rico, Uruguay and the USA among the countries where that applies³. That is a debit card rule, not a credit card one, and it depends on using a Santander machine.

Who can apply and how to apply

The All in One Credit Card is available for new applications¹. Santander states that all credit is subject to status and credit checks⁶, and that if you go ahead and apply, it will then do a full credit check²¹. That sequence matters: an eligibility check before applying does not leave the same mark as a full application, but the full check happens once you proceed.

There is no separate eligibility list published for the All in One beyond those general conditions. What a reader can do is look at the card's terms and decide whether the fee and the cap suit their spending pattern before applying, since the fee applies from the start and the cashback is capped from the start.

If you are moving to Santander as a current account customer at the same time, the switching rules are separate from the card. Which? notes that to qualify for a Santander switching incentive, the account you are switching from must be held with a bank outside the Santander Group, so not Santander, Cahoot or Cater Allen²². That condition applies to the current account incentive, not to the credit card.

Santander's own site has the current fee, the current standard rate and the current transfer fee for the All in One, and those figures change. The card's terms also change over time: Santander has previously increased credit card standard interest rates, with the new rate applying from July 2025 for customers notified of the increase and a 60-day window to reject the new rate and repay at the existing rate⁹.

Interest, missed payments and where to get help

If you do not pay off the full amount every month on a credit card, you will be charged interest on the whole lot, not just the unpaid amount²³. That rule catches people out on cashback cards in particular, because the cashback is capped while the interest is not. Santander's own warning is that if you do not clear your balance every month, the interest charged will probably be more than the cashback you get¹².

Missing a payment adds to the cost. Independent Age makes the same point: if you do not pay back all that you owe when payment is due, you may be charged interest²⁴. The APR on a card takes in the total cost of borrowing, including any additional charges such as a monthly fee for taking out the card, and when and how often you must pay the interest²³.

If you fall behind repeatedly, the persistent debt rules apply. Santander states that it will send you a letter or an email to let you know that you are in persistent debt, explaining the benefits of increasing payments and ways to reduce the balance²⁵. If the balance is fully repaid under those rules, Santander states that the account will be closed²⁵. In Northern Ireland, nidirect sets out how credit card debt is treated²⁶.

Where a lender starts court action, StepChange notes that it must give you a list of all your missed payments, the total amount of your missed payments, and the remaining amount to pay on your mortgage²⁷. Free help is available: StepChange offers free debt advice²⁸, and National Debtline explains methods such as the debt avalanche for clearing balances¹⁷.

Problems and complaints

Complain to Santander first. If the problem is not resolved, or eight weeks pass without a final response, the complaint can go to the Financial Ombudsman Service, which is free and independent. Santander UK Plc recorded 57,274 complaints about banking and credit cards between 1 January and 30 June 2026, closed 56,578 of them, and upheld 47%²⁹.

Some card problems have their own route. If something you bought with the card goes wrong, Citizens Advice explains how to get your money back if you paid by card, and notes that if you have a joint credit card, the main card holder should contact the card provider³⁰. In Northern Ireland, Consumerline can refer a complaint to the Trading Standards Service for investigation or to the Financial Conduct Authority, which authorises lenders³¹.