Santander Zero - using abroad

guesswho2000

adindas wrote: »

If you mean the cashback while spending in a foreign currency, I am not quite sure but I do not think this is the case. AFAIK you will only get 3% cash back (max £100 pa) when you spend in £ not in foreign currency. Other people please free to correct it.

As far as I'm aware, with Aqua you get cashback on foreign spend too (as it's capped, they're assuming you'll continue spending and recoup their costs). I'll have a read of the T&Cs later if I remember. The limit is too low to be useful to me abroad though really, but it's a good backup.

Nationwide Select has unlimited cashback and no fees, but no cashback on foreign spend (fair trade I guess, losing 0.5% cashback for saving 2.75% in fees).

bib_bob_euroslap

Hello,
I have a question about using my Santander Zero CC for cash withdrawls abroad as well.

What would happen if I made a payment to my credit card before withdrawing cash abroad? Is this allowed? Would I get charged anything at all?
For example, I pay £250 to my credit card which doesn't have any outstanding purchases to pay off, so effectively the balance is +250.
Then I make a cash withdrawl abroad, the vaule of which doesn't exceed £250.

Thanks for your help.

nickcc

bib_bob_euroslap wrote: »

Hello,
I have a question about using my Santander Zero CC for cash withdrawls abroad as well.

What would happen if I made a payment to my credit card before withdrawing cash abroad? Is this allowed? Would I get charged anything at all?
For example, I pay £250 to my credit card which doesn't have any outstanding purchases to pay off, so effectively the balance is +250.
Then I make a cash withdrawl abroad, the vaule of which doesn't exceed £250.

Thanks for your help.

Looked through T&C's of my three credit cards Barclays, Sainsburys and Post office and all state that having a deliberate positive balance is not permitted, would presume all providers have the same condition.

ic

My partner's parents tried loading their zero card, and santander blocked the card until they'd called up and had the money returned. The cost of the international call home to fix cost more than the interest charges they were trying to avoid. Don't do it.