You can apply for a Topman 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.
• 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 email address.

You can apply for a Topman Card online, please click here or you can apply instore. Ask a member of staff for details.

When you receive your Topman Card in the post, just call us on 0800 915 2205 to activate it. Your Card will then be ready for you to use.

Additional Cardholders must be aged 18 or over and share your credit limit. You are responsible for the payment of any purchases and transactions made with any additional card.

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

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

Please refer to the summary box for more information.

The Representative APR for the Topman Card is 19.9% APR variable. At least 51% of Topman Card applicants will receive an interest rate for purchases less than or equal to this APR.

We show on your statements an estimate of the amount of interest payable when 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 you manage your finances more effectively. The estimated interest assumes:

• You only pay the minimum payment amount shown on your statement
• Your balance doesn't increase before your next statement date due to any more purchases, cash advances or balance transfers
• The minimum payment is applied to 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 months 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 Topman Card is £150. Your credit limit is based on your individual circumstances. It will be communicated to you after you have signed the Credit Agreement. You will find your credit limit on your statements.

Please contact Topman Card Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

The minimum payment will be the sum of (i) the amount of any interest, payment protection insurance premiums and Default Fees charged to your Account plus (ii) 1% of the remaining balance shown on your statement plus (iii) the amount (if any) by which you have exceeded your Credit Limit, subject to this being a minimum of £5.  If the total outstanding balance is less than £5.00, then the minimum payment due will be the total outstanding balance.

If you do not pay the Account balance in full in any month, we will apply your payment to the statemented Transactions as follows:

1)       It will be allocated to the different amounts of your outstanding statemented balance that are charged at higher interest rates before those that are charged at lower interest rates.
2)       If interest is charged at the same rate on different amounts, we will apply your payment to the different amounts in the following order: Cash Transactions, payment protection insurance premiums, Balance Transfers, other Special Transactions, Purchases and other Transactions.  If you have more than one Special Transaction at the same rate, your payment will be applied first to the Special Transaction that has the earliest Promotional Period end date. 

Where an Account fee is charged in connection with a Transaction or Special Transaction, it will be applied by reference to that Transaction type. Otherwise it will be applied after other Transactions as set out in 2) above. We will apply any remaining payment to Transactions not yet shown on your statement in the same order as set out above.

In the future we may decide to change your interest rate, this may be due to your account performance or perhaps changes to the UK economy.  In these circumstances we will inform you of any changes by post. To find out more about your rights and further information around Credit Card / Store card re-pricing then please read these independent re-pricing FAQs by the UK Cards Association at www.Santandercards.com/repricing

If you are experiencing financial difficulties, or having problems meeting your payment obligations, you should contact us as soon as possible on Topman Card services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

You can use your Topman Card in Topman, Burton, Dorothy Perkins, Evans, Miss Selfridge, Outfit, Topshop and Wallis. 

You can also use your Topman Card online @ TOPMAN.COM. 

If you have trouble tracking your order you can email feedback@TOPMAN.COM with the date your order was placed, your reference number for each order, your full name, billing address and phone number.  Topman will check your order status and send you an update.

 

You have five choices:

 

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 Topman Card Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes). Open 8am to 9pm, seven days a week.  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 Topman 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:
   Direct Debit saves time, is more convenient, gives you greater control and makes late payment charges easy to avoid.  If you’d like to pay by Direct Debit, you can call our Customer Helpline to set up a Direct Debit to either pay your minimum payment, a fixed amount, or full balance each month, which we will automatically collect saving you the worry of making it on time. The payment will be transferred from your bank or building society every month, provided you have enough funds in your account. Please allow up to four working days to either set up or amend a Direct Debit. If you’d like to make an additional payment, you can send us a cheque together with the payment slip on your statement. Please remember that if you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.

You can make additional payments to your account at anytime using the standard payments 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 Topman Card on behalf of Topman. Topman Card Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

If you do not receive your Topman Card within 10 days of a successful application, you should make us aware by calling Topman Card services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

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

If you wish to make a change to your name, you must write to us providing a copy of the document, which evidences your name change (for example a marriage certificate). for verification purposes. Please send your letter to: Santander Cards UK Limited, Topman Card Services, PO Box 700, Leeds, LS99 2BD.

If your Topman Card is lost or stolen, you should report this immediately by calling Topman Card Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

Please write to us internally at Complaints Department, Santander Cards, Capital House 2, Bruntcliffe Way, Leeds LS27 0JG. If we do not resolve your complaint internally to your satisfaction, you can refer it to:

 

• the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0300 123 9 123.
  E-mail: enquiries@financial-ombudsman.org.uk.
  Website: www.financial-ombudsman.org.uk.

You may find it helpful, before you are entitled to go the Financial Ombudsman Service, to make use of the Finance and Leasing Association’s conciliation scheme to resolve your complaint. You can write to The Complaints Manager, Finance and Leasing Association, Imperial House, 15 – 19 Kingsway, London WC2B 6UN. Fax: 020 7420 9600. Email: code@fla.org.uk.

Santander Cards UK Limited, issue and operate the Topman Card.

If you need to contact Santander Cards UK Limited you should call Topman Card Services on 0871 522 5252 (Calls cost 10p per minute plus network extras. Calls may be recorded and monitored for training and security purposes).

Other Key Facts about Santander Cards UK Limited:

• Customer Service contact address: PO Box 700, Leeds LS99 2BD
• Credit is provided by Santander Cards UK Limited, Registered Office, 2 Triton Square, Regent's Place, London NW1 3AN.
  Registered in England and Wales. Registered Number 1456283
• Company registered in England and Wales No: 1456283
• Santander Cards UK Limited are licensed by the Office of Fair Trading (Consumer Credit Licence Number: 154771) and registered with the Financial Services Authority (reference number: 204572). Further details are available at www.oft.gov.uk and www.fsa.gov.uk
• Santander Cards UK Limited is registered with the Office of the Information Commisioner - Data Protection Register Entry Number Z5750586
• VAT registration number - GB545 723 044

If you'd like to find out more, please visit Santander Cards UK.