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

You can apply for a Topshop card in store - just ask members of staff for details. Or you can apply online here.

In the unlikely event that you are not totally satisfied with your Topshop Card, please call Santander Cards UK Limited Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras.) and take advantage of our No-Quibble Guarantee. If you contact us within 60 days of opening your Account and then pay off your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees (we may require notification in writing). This guarantee is in addition to and does not affect any statutory rights that you may have. Calls may be recorded and monitored for quality and security purposes.

When you receive your card in the post, just call us on 0808 156 5590 to activate it. Your card will them be ready for you to use.

Yes you can. Additional cardholders must be aged 18 or over and share your credit limit. You are responsible for payment of any purchases and other transactions made with any additional card.

To cancel your additional cardholder, call Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). For security purposes please ensure that you cut up the additional cardholder's Card into two or more pieces.

No, there is no annual fee for the Topshop Card.

Please refer to Summary box for further information

The typical APR for the Topshop Card is 19.9% APR variable. Two thirds of Topshop applicants will receive an interest rate for purchases less than or equal to this APR.

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.

A £12 charge will be applied in each of the following instances:

• Late payment fee
• Over credit limit fee
• Administration fee for returned cheques or direct debits

If you request an increased credit limit, we will consider such factors as your payment history and when your last increase was. We may also use credit referencing to consider your request.

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.

Yes, call Customer Services on 0871 522 5252, open 8am to 9pm seven days a week (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras) to reduce your credit limit. If we need to reduce your credit limit for any reason, you will be informed in advance in writing.

Please contact Topshop Card Customer Services straightaway on 0871 522 5252, open 8am to 9pm seven days a week (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras.)

You must make a minimum monthly payment of £4 or 4% of the outstanding balance (whichever is greater), or the full balance if it is less than £4. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more. Alternatively you can pay your balance in full using any of the payment methods listed under - How can I make a payment to my account?

We apply payments firstly to insurance premiums, interest, charges or fees (other than fees charged for non-Sterling transactions) (in that order).
Secondly to Balance Transfers (those with lower rates being paid before those with higher rates.
Thirdly to Retail Purchases in the order in which they were charged to the Account.
Fourthly to Cash Transactions (those with lower rates being paid before those with higher rates).
Finally to any Buy Now Pay Later Transactions (in the order in which they were charged to the Account). Fees for non-Sterling Transactions are charged in the same place in the order as the Transaction to which they relate.

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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.

Unfortunately no.

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras), 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
Set up a direct debit over the telephone by calling Topshop Card Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and secrity purposes. Calls cost 10p per minute plus network extras). You can choose to pay either your minimum payment or the full balance and it will be debited from your bank account on time, every month.

For more information simply call Topshop Card Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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.

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.

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

If you need to change your personal details you should call Customer Services on 0871 522 5252 calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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.

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

Call Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras), and every effort will be made to sort out your problem right away.

If you feel that your complaint has not been dealt with in a satisfactory manner, you may contact the Finance and Leasing Association (of which Santander Cards UK Limited is a member). They run a conciliation and arbitration scheme to help members and their customers resolve difficulties. The address is:

Imperial House,
15-19 Kingsway,
London WC2B 6UN

Or

Visit www.fla.org.uk. Alternatively, you should call Topshop Card Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). 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.

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