Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Can You Pay Santander with A Credit Card?
July 1, 2025

Quick Answer
While convenient, Santander does not permit direct loan payments to be made with a credit card.
Should You Pay Santander With A Credit Card?
Consider the pros and cons before using your credit card for Santander payments.
Benefits
- Earn Rewards: You can accumulate points, miles, or cashback on your payment, depending on your card's reward program.
- Payment Flexibility: It provides a way to cover your bill on time if you are temporarily short on cash, helping you avoid late fees from Santander.
- Convenience: Using a card you already have on file for other purchases can simplify the payment process.
Costs
- Processing Fees: Santander or its third-party payment processor will likely charge a convenience fee for each credit card transaction.
- High-Interest Debt: If you carry a balance on your credit card, the interest accrued can quickly negate any rewards you earn.
- Cash Advance Treatment: Some credit card issuers may classify the payment as a cash advance, which typically comes with higher fees and a higher APR.
How to Pay Santander With A Credit Card
Paying your Santander bill with a credit card can be a strategic move to earn rewards or manage cash flow. Here’s a general guide to navigating the process effectively.
- Confirm Payment Options and Fees: First, verify directly with Santander if they accept credit card payments for your specific account, such as a mortgage or auto loan. Be sure to ask about any convenience fees, as these can sometimes outweigh potential rewards.
- Select the Right Credit Card: Choose a card that maximizes your benefits for this type of payment. If you need help finding the best fit, the Kudos explore cards tool can help you compare options based on your needs.
- Use a Third-Party Service if Necessary: If Santander doesn't allow direct credit card payments, you may need to use a third-party payment service. These platforms will charge your card and send a payment to Santander, but they typically include a service fee.
- Execute the Transaction: Whether paying directly or through a service, you'll need your Santander account number and credit card details. Carefully review all information before submitting the payment to ensure it's processed correctly.
- Pay Your Credit Card Balance: To avoid negating any rewards earned, plan to pay off the credit card balance in full by its due date. Carrying a balance will result in interest charges that can make this strategy costly.
Impact On Your Credit Score
Using a credit card for your Santander payment can influence your credit score in a few ways. It's important to consider the following factors before proceeding to ensure you're making a sound financial decision.
- Credit Utilization Ratio. Paying a large Santander bill with your credit card increases your credit utilization. A higher ratio can negatively impact your score, as lenders may view it as a sign of increased financial risk.
- Payment History. While you maintain a good payment history with Santander, you must also pay your credit card bill on time. Failing to do so will result in a negative mark on your credit report from the card issuer.
Alternative Ways To Pay Santander
Direct Debit
Setting up a Direct Debit is a popular alternative for managing your Santander payments. This method authorizes Santander to automatically collect the required amount from your designated bank account on the due date. It’s a convenient, set-and-forget option that ensures timely payments without the need to manually use a credit or debit card each month, helping you avoid potential late fees.
Bank Transfer or Standing Order
You can also pay your bill via a manual bank transfer using Santander's sort code and your account number as the reference. For more regular, automated payments that you control, a standing order is an excellent choice. You can instruct your bank to send a fixed amount to Santander on a specific date, giving you direct oversight of the payment schedule and amount.
Choose the Right Card to Pay Santander
When paying bills from providers like Santander, using the right credit card can make a significant difference in the rewards you earn. Instead of guessing, you can use the Kudos Explore Tool to find your perfect match from a database of nearly 3,000 cards. The tool provides personalized recommendations based on your preferences for rewards, fees, and perks, allowing you to compare your top options side-by-side and make an informed decision.
To get the most from your credit cards, Kudos is the premier free shopping assistant for your online purchases. We're currently offering $20 back after your first eligible purchase—simply sign-up for free with code “GET20” and make a purchase at a Boost merchant.
Frequently Asked Questions
What are the fees for paying Santander with a credit card?
Third-party payment services typically charge a convenience fee, usually around 2-3% of your total payment amount.
Will paying my Santander loan with a credit card count as a cash advance?
Most credit card issuers treat these payments as a cash advance, which often comes with higher fees and interest rates.
How long does it take for the payment to post to my Santander account?
It can take several business days for a payment made via a third-party service to process and post.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.