1. What is estimated interest?

The estimated interest amount gives you an indication in advance of how much interest you could be asked to pay on your next statement and will help you manage your finances more effectively.

The estimated amount is based on the following assumptions:

• You only pay the minimum payment amount shown on your statement
• Your balance doesn't increase before your next statement date due to any more purchases, cash advances or Balance Transfers
• The minimum payment is applied to your account on the due date
• The way we calculate interest doesn't change and the interest rate(s) (which can vary) used in the calculation are the same at next month's statement date as they are now
• The amount takes no account of any delayed payment promotions we may offer in the period ahead

2. Is there an annual fee?

3. Am I charged if I use my card abroad?

You can make purchases at over 24 million places worldwide, wherever you see the MasterCard logo. Please note that occasionally, for fraud prevention and security purposes, transactions may be declined or referred when your Card is used abroad. Santander Cards UK Limited adheres to a number of financial sanction regimes which may affect your ability to use your Card abroad. For details of any current restrictions, you should contact us before travelling on 0871 552 5840, (calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). All Transactions in currencies other than sterling will be converted into sterling on the day they are added to your Account at an exchange rate set by the payment scheme provider on the day the Transaction is processed together with the foreign exchange fee. The exchange rate used may differ from the rate when the Transaction was made as exchange rates vary on a daily basis. The exchange rate used when such Transactions are made and the amount of the Transactions in sterling following application of the exchange rate will be set out in your statement. Details of the exchange rates to be applied are available by calling us on 0208 181 0000.

4. Is there a fee for cash transactions? (MasterCard only)

If you have a Recognition MasterCard, you can use this at any ATM where MasterCard® is accepted - more than one million ATMs in over 210 countries and territories. For more information visit www.MasterCard.com. You will be charged 3% for cash transactions with a minimum fee of £3.00. Interest is charged from the date the transaction is added to the Account.

5. Is there a fee for Balance Transfers? (MasterCard only)

The Balance Transfer handling fee is 2.99% of the amount transferred and will be charged each time you make a transfer. 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.

6. What is the Representative APR?

The Representative APR for the Recognition Cards is 19.9% APR variable. It is the rate that at least 51% of people who apply and are accepted for a Recognition Card will receive.

7. What is the minimum credit limit?

The minimum credit limit you will receive with a Recognition Card is £500. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances.

8. How much will I have to pay to my account each month?

The minimum payment will be the sum of (i) the amount of any interest, payment protection insurance premiums and Default Fees charged to your Account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount (if any) by which you have exceeded your Credit Limit, subject to this being a minimum of £5. If the total outstanding balance is less than £5.00, then the minimum payment due will be the total outstanding balance.

9. How are payments applied to my account?

If you do not pay the Account balance in full in any month, we will apply your payment to the statemented Transactions as follows:

1)       It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
2)       If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Special Transactions, Purchases and other Transactions. If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date.

Where an Account fee is charged in connection with a Transaction or Special Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2) above. We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.

10. What should I do if I am experiencing financial difficulties?

If you cannot pay us for any reason, please let us know as early as possible as we can suggest ways to help.

11. Will you change my interest rate?

In the future we may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy. In these circumstances we will inform you of any changes by post. To find out more about your rights and further information around MasterCard / Account Card re-pricing then please read these independent re-pricing FAQs by the UK Cards Association at www.Santandercards.com/repricing

12. What other charges may be applied to my account?

You can view other rates and charges by clicking here to view the Summary Box.