Changes for business credit cards
From 28 April 2026, the changes we're making to our Business Banking Cashback Credit Card Terms & Conditions include:
- Changes for Relevant Financial Institutions (RFIs)
- Changes to our account closure rights
- Changes to Business Banking Cashback Credit Card Key Facts Document
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You can find more information on the changes below.
Removing reference to the Business Banking Resolution Service
Currently, if you鈥檙e not happy with how we deal with a complaint, you may be able to refer it to the Financial Ombudsman Service (FOS) or the Business Banking Resolution Service (BBRS). The BBRS is closing and you can only refer new complaints to it up to 13 December 2024. The BBRS will still deal with any complaints referred to it by that date. As a result, we鈥檙e removing reference to your right to refer a complaint to the BBRS from the terms. You may still be able to refer complaints to the FOS if you need to.听
Why we鈥檙e making these changes
We鈥檙e making changes to our terms to ensure they reflect changes in law and regulation and how we operate our business.
From 4 July 2024 we鈥檒l no longer be part of the Lending Standards Board鈥檚 (LSB) Standards of Lending Practice. Membership of the LSB is voluntary for the banking and lending industry.
Our withdrawal won鈥檛 impact the products we provide to you and how they operate, or the way we treat you.听
听From 15th August 2023, we鈥檙e changing some of our terms and conditions. This will apply to all Santander Business Banking credit cards.
- We鈥檙e making the terms clearer and simpler to read.
- We鈥檙e moving terms around to make it easier for you to find the information you need.
- There are also changes to reflect our way of doing business.
For more information, see our summary of credit card changes
Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA鈥檚 website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.