Withdraw cash free of charge and get the foreign fees refunded through the:

Santander 1Plus Credit Card

That you can read this tip here, we owe to our dedicated readers and fans.

The Spanish Banco Santander operates in Germany the Santander Bank and the Santander Consumer Bank. Through the latter, a free credit card is offered online with the following terms and conditions:

Santander 1Plus Card / Kreditkarte

  • withdraw cash free of charge around the globe
  • pay with the card free of charge around the globe
    = no foreign transaction fee as usual at payments in foreign currencies
  • worldwide 1 % fuel discount
    up to Euros 400 fuel transaction per month
  • true credit card with partial repayment option
    please note that interest applies to payments by instalments
  • simple online application for ordering the card.

What else should you know about the Santander credit card?

  • Credit line of Euros 2,000

    Who applies for the credit card and is granted one, can be glad to use a credit line of Euros 2,000. This is the default at the Santander Consumer Bank for the 1Plus Card.

  • Increase the overdraft facility

    If one needs more money, e.g. for a trip to the USA or Thailand, then one can make a transfer to the credit card account. With the deposited balance, the overdraft facility increases. If e.g. Euros 5,000 are needed, one can transfer Euros 3,000, as one does already have a credit line of Euros 2,000.

  • Creditworthiness check

    Since it is a true credit card with credit line, the bank makes a creditworthiness check, in which, among others, the income and Schufa-ranking is decisively.

  • Refund of foreign fees

    One can apply for the refund of the withdrawal fees by phone, calling 02161.90 60120. The service hours are Monday to Friday from 8 am to 7 pm.

  • Previous current account can be maintained

    Although the Santander Consumer Bank also offers its own current accounts, you can keep all your existing accounts and only add the 1Plus Card as a single credit card.

    Tip: Arrange with the bank that the entire loan balance should be paid by direct debit from your current account (reference account) at the due date. Therefore, you will not be charged expensive loan interest, if you do not settle the amount via bank transfer on time.

  • [/hide]

Will you get this additional card?

I am pleased, if you could support this special portal being a smart bank customer, e.g. by posting your experience with the Santander 1Plus Card via the comments feature of this page.

Especially helpful are, of course, experiences and tips on a successful application and use of the card. Thank you very much!

Santander 1 Plus Card

Further pages about credit cards for journeys

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Please rate the article:
Rating: 3.8/5 (4 votes cast)
Santander 1Plus Credit Card, 3.8 out of 5 based on 4 ratings

Who writes here?

Someone who gained experience with more than 100 banks in more than 20 countries during the past 15 years. My name is Gregor and if you click to continue you can find out why I am here and what this site is for ⇒ continue.

21 Responses to “Santander 1Plus Credit Card”

  1. sakib says:

    Is it possible to withdraw foreign cash without any extra fees with this card?

    VA:F [1.9.22_1171]
  2. Joao says:

    Dear Gregor,

    I’m about to submit my application for this card.

    Will I have any costs with the santander account of which this credit card will be related with?


    VA:F [1.9.22_1171]
    • Gregor says:

      Dear Joao,

      As far as I know, it is a free-of-charge credit card. I have not heard from other readers regarding any fees, either – at least not, if one uses it in smart ways 😉

      Good luck for your online application!

      VA:F [1.9.22_1171]
  3. MAAR says:


    So is it possible that I link this card with my current account (let say from deutshe bank) and use this card as a debit card where the transaction would be debited immediately from my current account?
    Is it also possible that the default credit line of 2000 euros be reduced to zero like Number26? meaning I dont want to use their credit line (even accidently). Is it possible to set it to 0 through an app or something?

    VA:F [1.9.22_1171]
    • Susanne (editorial staff) says:


      The concept of this credit card does not quite work the way you described your wishes, but I daresay they can be approximated:

      First of all, yes, you can linke this card with a giro account from a different bank, but the account will be debited not directly but once a month in one amount with the sum of your current credit card transactions.

      You cannot reduce the credit card to 0 EUR either, but you can idividually arrange with your customer service representative to individually have the 2000 EUR credit line reduced to a smaller amount. You can then deposit money onto your credit card and then almost use it the way you would use a prepaid card.

      I hope this helps?

      VA:F [1.9.22_1171]
  4. Joao Lavado says:

    Hi Susanne,

    Thank you very much for your feedback. You´ve stated above:

    “Refund of foreign fees

    One can apply for the refund of the withdrawal fees by phone, calling 02161.90 60120. The service hours are Monday to Friday from 8 am to 7 pm.”

    My question is, is there any other way of retrieving the fees?

    The rational for that question is that once abroad, this phone call would cost more than the fees returned.


    VA:F [1.9.22_1171]
    • Susanne (editorial staff) says:

      Hi Joao,

      I have phoned the Sandander bank in order to check this – and to my surprise they told me that you cannot do the application for reimbursement process via phone anyway, since they require a proof/receipt of the fees incurred in order to reimburse them.

      Which means you can completely forego the telephone call from abroad and simply scan the receipts and send them via email, or use the fax or regular mail, together with a written message.

      VA:F [1.9.22_1171]
  5. Ringo says:

    Thank you, Susanne, for taking the time to write all this in English. It’s of great help to the international students and workers living in Germany 🙂

    VA:F [1.9.22_1171]
  6. sakib says:

    I applied for the credit card but they rejected me! I don’t really know why 🙁 I am a PhD student, earning a decent salary, paying my tax every month, but still I cannot get this credit card! Wish I could have known why they rejected me…

    VA:F [1.9.22_1171]
  7. Bobby G says:


    Ive applied and seemingly been approved as I received a paper with the access number and a pin. However I still havent received the card nor can I log onto the online banking. Am I missing something or is this the process?

    VA:F [1.9.22_1171]
  8. Babak Golriz says:


    I just took your recommendation and successfully applied to this card.

    I have two questions though.

    1) How would I link this credit card to my sparkasse account so that it automatically debits the outstanding amount at the end of the month so I dont pay any interest? (as every month my usage could be different so a standing order doesnt seem logical)

    2) So the card does incur foreign transaction fees on spending and withdrawal but you need to retain receipts which you then scan back? Or is this just on withdrawals on foreign machines? Its a bit unclear to me.

    Thank you,

    VA:F [1.9.22_1171]
  9. Babak Golriz says:


    How would one proactively make a full payment of the outstanding via online banking of Sparkasse? It doesnt seem possible.


    VA:F [1.9.22_1171]
  10. Nemanja says:

    Dear readers and dear Gregory,

    I find this site extremely useful and unique.
    It helped me a lot to learn about German consumer banks. All I needed was at one place. And it offers all texts in English. There are no other comparable sites – absolutely fantastic job has been done!

    Being inspired with all DKB related articles, I recently applied for an DKB account and Visa card. As expected, I got a letter from DKB after some days, thus with no Visa card in the envelope – I was rejected. What a surprise!
    Need to mention that I reside in Germany for more than 3 years, have indefinite working contract, above average salary and SHUFA score above 98%.

    I decided to visit Santander bank (again thanks to one of articles at this site) and got the account immediately with their 1plus Visa card. I definitely now find this card a better product than DKB Visa card.
    As far as I have seen, it offers same features as DKB Visa card + 1% fuel cost refund + 5% discount on travel booking + better possibilities for setting up the monthly limit with the bank + no minimum amount that could be withdrawn from ATMs.
    What was even better – I was immediately offered Santander Select status with all benefits coupled to it. I am so pleased about that and am actually happy now that DKB did refuse my application – I would miss such a nice service and products that Santander offers.

    Having said that, I do not want to discourage anyone from applying for DKB account. Thus wanted to share my very positive experience with Santander bank.
    Hope this will be of the help to anyone considering new bank.

    VA:F [1.9.22_1171]
  11. Chris says:

    I went to a Santander Consumer Bank office to try to open their free Girokonto that comes with the free 1plus Credit Card. They said the bank only deals with salaried employees – not self-employed persons. Even freelancers with a high income and long-term client contracts are not qualified. This was quite surprising! I asked if I could apply for only the credit card apart from the Girokonto, and they said the same policy holds.

    VA:F [1.9.22_1171]
    • Editorial Team says:

      When Gregor read the post he said: “Sometimes one simply does not meet the right person.” Maybe you simply apply for account and card online and see what happens?

      VA:F [1.9.22_1171]
  12. Zhao Chenyu says:

    I have already gotten a Santander one plus card.
    But I am still studying how to use it.
    I have some booked payment from this card now, and I want to pay off the debt. Should I transfer money from my current account? How can I pay off the booked payment?

    And how can I use the instalment function?

    VA:F [1.9.22_1171]
    • Editorial Team says:

      If you don’t have an agreement that the bank can debit your giro account with the debt amount, then you are going to need to transfer the money yourself. You can find the details re. which account to transfer to on your statement, below on the right. The “Verwendungszweck” (reference) is the 16-figure number of your credit card.

      If you want to pay in installments, the minimum rate is 5% of the owed amount, but 25 EUR minimum.

      VA:F [1.9.22_1171]
  13. Prashanth says:

    I hold a foreign passport (with a blue card) and have moved to Germany from the UK recently. I applied for the 1Plus card (within 6 months of my arrival in Germany) and I was rejected since I apparently did not meet the minimum automated requirements.

    Any idea what what the minimum requirements could be? I want to apply again but do would like to make sure that I am not automatically filtered out again by their system.

    VA:F [1.9.22_1171]
    • Editorial Team says:

      The answer is easy: Overall, you have not accumulated enough points for a good credit standing to get a card. Maybe it looks differently in half a year, or you apply for a card at another bank. The requirements differ from bank to bank, but are of course not communicated publicly.

      VA:F [1.9.22_1171]

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