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.

In the unlikely event that you are not totally satisfied with your Topman Card, please call our Customer Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras) and take advantage of our No Quibble Guarantee. If you contact us within 60 days of opening your account and then pay your outstanding balance within 30 days, we will close your account for you and waive the interest charges and fees (we may require notification in writing). This guarantee is in addition to and does not affect any statutory rights that you might have. Calls may be recorded or monitored for quality and security purposes.

 

When you receive your Topman Card in the post, just call us on 0808 156 5590 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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). 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 typical APR for the Topman Card is 19.9% APR variable. Two thirds 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 £100. 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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

You must make a minimum monthly payment of £4 or 4% of the outstanding balance (whichever is greater), or the full balance if it is less than £4. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance. Alternatively, you can pay your balance in full using any of the payment methods listed under - How can I make a payment to my account?

We will apply payments to the Account in the following order:

• Firstly to insurance premiums, interest, charges or fees (other than fees charged for non-Sterling transactions) (in that order).
• Secondly to Balance Transfers (those with lower rates being paid before those with higher rates).
• Thirdly to Retail Purchases in the order in which they were charged to the Account.
• Fourthly to Cash Transactions (those with lower rates being paid before those with higher rates).
• Finally to any Buy Now Pay Later Transactions (in the order in which they were charged to the Account). Fees for non-Sterling Transactions are charged in the same place in the order as the Transaction to which they relate.

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). 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:
   Set up a Direct Debit over the telephone by calling Topman Card Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). Your minimum payment will be debited from your bank account on time, every month. For more information simply call Topman Card Services on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras). If you want to pay more than the minimum monthly payment, or pay off the outstanding balance in full, you can just complete the payment slip at the bottom of your statement. You can take your payment into any bank or post to the address above. Extra payments must reach us at least four days before your Direct Debit is due, to allow us to cancel it for that month.

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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

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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

Our aim is to offer outstanding service at all times, so should you have a complaint, we want to help you resolve it. Please contact our Customer Services helpline on 0871 522 5252 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras) giving full details including your name, address and account number. If subsequently you feel that matter has not been resolved satisfactorily, you may refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

Alternatively you can also refer to the Financial and Leasing Association (FLA) of which Santander Cards UK Limited is a member. The Association operates a Conciliation Scheme and also an Arbitration Scheme for members and their customers. Details are available from the FLA at Imperial House, 15-19 Kingsway, London WC2B 6UN or at www.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 may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras).

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.