My experience of a Zero card is extremely poor - and I haven't used it yet! I applied 3 weeks ago, stating I wanted to transfer a balance of £9000 from another credit card, and then close it. The Zero card arrived with a limit of only £1700. The branch manager where I made the application has written twice to appeal this, with no response. I called card services, to be told I had to write in! I pointed out that this had been done twice, that I only had 30 days from opening the account to take advantage of the 0% transfer rate, and 3 weeks had already passed waiting for Santander to reply, and that if nothing happened over the next week, I would have to close the account, as I couldnt use it for the purpose intended. But the man on the phone wasnt bothered.

I have had the Abbey Zero credit card for about 2 months now, and have found it to be an absolute necessity. With the massive selling point of having zero charges on transactions abroad, I have been able to save a relatively large amount, useful especially with pound currently so weak. How to Apply: I found out about the card on a visit to my local branch, and the application process took about a half an hour. Most of this time was taken up by the banking advisor trying to sell me their payment care and insurances, but I found them to be very expensive, so would avoid the questions if you do ever go down! From what I understand you can ...  Read the complete review

Just a warning for anyone applying for this card. I hold a mortgage with Abbey and was sent through a pre approved offer for the Zero credit card which i applied for as we are going abroad soon so thought it would be handy. When I received the card it didn't look like the card on the application form (Zero wasn't written on the front) so I phoned to ask what sort of account it was and was told it was a normal Santandar credit card. I wasn't impressed especially when I was told there was nothing they could do about it and basically it was my fault for not checking the form I had signed. It seem to go un noticed that it was a pre approved offer THEY had sent me!!!! My advice, phone the account if in any doubt!!!

If you travel abroad a lot then this card is a must for you. The Abbey Zero is great. You can buy anything even your supermarket shop, without a fee being slapped on. Most cards add up to 2.0% fee for every transaction. I was amazed that you can even withdraw cash at the ATM as long as you pay the balance off in full each month. I have a post office card which is also good but it will charge for cash withdrawals from the cash machine. If you only have a post office card and can't be bothered to apply for an Abbey card it is worth paying in some money to your account, because if you are in credit on that account they won't charge you. I found this out by accident ...  Read the complete review

You are probably already (painfully) aware that most credit cards in the UK charge you fees when you use your card for transferring a balance, withdrawing cash or using it when abroad. However, Abbey National has recently launched the 'Zero' card which has many advantages over other credit cards. This is a great card to have for both using in the UK and overseas. What are the advantages then? Firstly, you won't be charged when you use it for transferring balances from other credit or store cards provided you transfer the balances within the first month of receiving the card. You will the have 0% interest for 6 months. Do be aware, though, that to benefit ...  Read the complete review