Santander BestCard Premium
Premium card with extensive insurance and fee-free worldwide withdrawals.
Score: 7.3 / 10 · Good
Rating: 8.0 / 10 · 760 reviews
Best for: Premium & insurance
Overview
The Santander BestCard Premium is a charge card from Santander on the Visa network. Premium card with extensive insurance and fee-free worldwide withdrawals. The annual fee is €118.8 and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to premium & insurance. Its strengths lie in travel and use abroad, travellers who need insurance and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 7.3 / 10 · Good
| Costs (30 %) | 2.7 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 8.0 / 10 |
Highlights
- Free withdrawals worldwide
- No foreign currency fee
- Numerous insurances
- Real credit card
Costs & Fees
| Annual fee | 118,8 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Charge card |
| Network | Visa |
| Issuer | Santander |
The annual fee is €118.8. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. Billing: Monthly billing, full balance settled by direct debit.
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This card in our comparisons: Travel Credit Cards · Gold & Platinum Credit Cards · Credit Cards With Insurance · Visa Credit Cards Compared
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Frequently asked questions
- What does the Santander BestCard Premium cost per year?
- The Santander BestCard Premium costs €118.8 per year.
- Does the Santander BestCard Premium charge foreign currency fees?
- No. With the Santander BestCard Premium you pay no foreign currency fee worldwide.
- Is the Santander BestCard Premium a genuine credit card?
- The Santander BestCard Premium is a charge card — transactions are collected and billed periodically.
- Does the Santander BestCard Premium include travel insurance?
- Yes, the Santander BestCard Premium includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Santander BestCard Premium require a SCHUFA check?
- Yes, Santander runs a SCHUFA credit check for the Santander BestCard Premium; a negative SCHUFA record can lead to rejection.
- How is money on the Santander BestCard Premium protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund (up to €3 million for private customers, as of 2026). Santander Consumer Bank AG is a German credit institution headquartered in Mönchengladbach.