Applying for a Topshop Card
Can I apply for a Topshop Card?
You can apply for a Topshop Card providing that you can say ‘yes’ to the following statements: I am 18 years or over, a permanent resident in the UK and have been for the last 12 months. I have a good credit history with no previous defaults or County Court Judgements. I have a current UK bank account and a registered UK telephone number (landline or mobile phone). My partner or myself are in permanent paid employment (minimum 16 hours a week) self employed or retired, or in receipt of incapacity allowance. If you apply online, you have a valid e-mail address
How do I cancel an additional cardholder on my account?
To cancel your additional cardholder, call Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). For security purposes please ensure that you cut up the additional cardholder's Card into two or more pieces.
What is the Representative APR?
The Representative APR for the Topshop Card is 19.9% APR variable. At least 51% of Topshop applicants will receive an interest rate for purchases less than or equal to this APR.
What is estimated interest?
Account Card providers show on statements an estimate of the amount of interest payable where a customer only makes the minimum payment amount. The estimated 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.
- You only pay the minimum payment amount shown on your statement;
- Your balance doesn't increase before your next statement date due to anymore purchases, cash advances or balance transfers;
- The minimum payment is applied yo 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.
What is the minimum credit limit/what is my credit limit?
The minimum credit limit you will receive with your Topshop Card is £150. Your credit limit will be communicated to you at the point of application and is subject to your individual circumstances. You can find your credit limit on your statement.
Can I request a lower credit limit?
Yes, call Customer Services on 0871 522 5252, open 8am to 9pm seven days a week (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes) to reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance in writing.
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. If you only make the minimum payment it will take longer and cost more to clear your balance.
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.
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 Credit Card / Store card re-pricing then please read these independent re-pricing FAQs by the UK Cards Association at www.Santandercards.com/repricing
What should I do if I am experiencing financial difficulties?
If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact Topshop Card Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
Managing a Topshop Account
How often will I receive my statement?
You will receive your statement monthly when you spend regularly, or have a balance on your account. If you do not have a balance you will receive a statement at the minimum intervals as required by law.
How can I make a Payment to my account?
1.Online:
Sign in to Manage My Account and you can pay your bill by following on screen instructions. Please allow five working days for the payment to be credited to your account.
2.By post:
Send the Giro slip from your statement with a cheque payable to Santander Cards UK Limited, to: PO Box 848, Liverpool, L71 2XX. Your account number must be quoted on the back of your cheque. Please allow seven working days for the payment to be credited to your account, and extra time during busy postage periods and bank holidays.
3.By telephone:
Call Topshop Card Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes), to pay using either a debit or credit card. Please allow two working days for the payment to be credited to your account.
4.By cheque/cash
Call into any bank with the Giro slip attached to your Topshop Card statement, and a cheque made payable to Santander Cards UK Limited (please note that some banks may charge a small handling fee).
Please allow five working days for the payment to be credited to your account.
5.By Direct Debit
Direct Debit saves time, is more convenient, gives you greater control and makes late payment charges easy to avoid. If you’d like to pay by Direct Debit, you can call our Customer Helpline to set up a Direct Debit to either pay your minimum payment a fixed amount or full balance each month, which we will automatically collect saving you the worry of making it on time. The payment will be transferred from your bank or building society every month, provided you have enough funds in your account. Please allow up to four working days to either set up or amend a Direct Debit. If you’d like to make an additional payment, you can send us a cheque together with the payment slip on your statement. Please remember that if you only make the minimum payment each month, it will take you longer and cost you more to clear your balance. If you choose a fixed monthly payment and in any month the minimum payment exceeds the fixed amount the Minimum payment will be debited.
For more information simply call Topshop Card Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
If you want to pay more than the minimum monthly payment, or pay off the outstanding balance in full, you can just complete the payment slip at the bottom of your statement. You can take your payment into any bank or post to the address above. Extra payments must reach us at least four days before your Direct Debit is due, to allow us to cancel it for that month.
How do additional payments affect my Direct Debit payments?
You can make additional payments to your account at anytime using the standard payment options detailed above. However, extra payments must reach us at least four days before your Direct Debit is due to allow us to cancel it for that month.
Contact Details
What if I have a query about my Topshop Card?
Queries regarding your account should be directed to Santander Cards UK Limited who operate the Topshop Card on behalf of Topshop. Santander Cards UK Limited Customer Services can be contacted on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
What should I do if I have not received my Topshop Card?
If you do not receive your Topshop Card within 5-7 days of a successful application, you should make us aware by calling Topshop Card Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
How can I change my personal details?
If you need to change your personal details you should call Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
If you wish to make a change to your name you must write to us providing a copy of document, which confirms your name change (for example, a marriage certificate), for verification purposes. Please send your letter to: Santander Cards UK limited, Customer Services Department, and PO BOX 700, Leeds LS99 2BD.
How do I report my card lost or stolen?
If your card is lost or stolen, you should report this to us immediately by calling Topshop Card Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).
What if I have a complaint about my Topshop Card?
Please write to us internally at Complaints Department, Santander Cards, Capital House 2, Bruntcliffe Way, Leeds LS27 0JG. If we do not resolve your complaint internally to your satisfaction, you can refer it to:
The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0300 123 9 123.
E-mail: enquiries@financial-ombudsman.org.uk.
Website: www.financial-ombudsman.org.uk
You may find it helpful, before you are entitled to go the Financial Ombudsman Service, to make use of the Finance and Leasing Association’s conciliation scheme to resolve your complaint. You can write to The Complaints Manager, Finance and Leasing Association, Imperial House, 15 – 19 Kingsway, London WC2B 6UN. Fax: 020 7420 9600. Email: code@fla.org.uk..
Who are Santander Cards UK limited and how do I contact them?
- Customer Service contact address: PO Box 700, Leeds LS99 2BD
- Credit is provided by Santander Cards UK Limited, Registered Office, 2 Triton Square, Regent's Place, London NW1 3AN. Registered in England and Wales. Registered Number 1456283
- Company registered in England and Wales No: 1456283
- Santander Cards UK Limited are licensed by the Office of Fair Trading (Consumer Credit Licence Number: 154771) and registered with the Financial Services Authority (reference number: 204572). Further details are available at www.oft.gov.uk and www.fsa.gov.uk
- Santander Cards UK Limited is registered with the Office of the Information Commisioner - Data Protection Register Entry Number Z5750586
- VAT registration number - GB545 723 044
If you'd like to find out more, please visit Santander Cards UK.
Santander Cards UK Limited, issue and operate the Topshop Card.
If you need to contact Santander Cards UK Limited you should call Customer Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). Santander Cards UK Limited is a member of the Finance and Leasing Association. They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. For more information, you can write to them at: Finance and Leasing Association, Imperial House, 15-19 Kingsway, London WC2B 6UN, or, visit www.fla.org.uk.
Key facts about Santander Cards UK Limited:
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