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Are 18 years or over, a permanent resident in the UK and have been for the last 12 months. |
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Have a good credit history with no previous defaults or County Court Judgements. |
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Have a current UK bank account and a registered UK telephone number. |
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Do not already have a GE Money Issued Ryanair Credit Card. |
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You or your partner are in permanent paid employment (minimum 16 hours a week) or self-employed or retired or in receipt of incapacity allowance. |
Below is a summary of the key features of the Ryanair Credit Card. The Ryanair Credit Card is provided by GE Money, a trading name of GE Capital Bank Limited. The summary below is provided for your convenience and does not form part of any agreement with GE Money. It is not a substitute for the terms and conditions.
| Other interest rates | Introductory Rate |
Monthly Rate |
Simple Annual Rate |
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|---|---|---|---|---|---|
| Purchases | NA |
1.313% |
15.760% |
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| Cash Transactions | NA |
1.912% |
22.949% |
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| Balance Transfers | 0% for 9 months |
1.313% |
15.760% |
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| Interest free period | Maximum 56 days of purchases if you pay your balance in full and on time. There is no interest free period on Cash Transactions. |
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| Interest charging information | From | Until | |||
| Purchases | Transaction date | Repaid in full | |||
| Cash transactions | Transaction date | Repaid in full | |||
| Balance Transfers | Transaction date | Repaid in full1 | |||
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| Allocation of Payments | We will apply payments we receive to your account in the following order:
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| Minimum repayment | Greater of 3% of outstanding balance or £5 each month. Only ever making the minimum repayment will significantly increase the time taken to clear your balance and cost you more. |
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| Amount of Credit | Minimum credit of £500 maximum credit limit subject to status | ||||
| Fees | No annual fee. | ||||
| Charges | Balance Transfer fee – 2.99% Cash Transactions – 2% with a minimum of £2.50 Copies of statements – £3 Overseas transactions – 2.75% (including overseas Cash Transactions). |
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| Default Charges | Late payment fee – £12 Over credit limit fee – £12 Administration fee for returned cheques or direct debits – £12 Trace Fee - £25 (applied if you do not inform us of a change of address and we have to trace you) |
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No-Quibble Guarantee
In the unlikely event that you are not totally satisfied with your Ryanair Credit Card, please call Ryanair Card Services on 0871 522 5937 (Calls may be monitored or recorded 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 off your outstanding balance within 30 days, we will close your Account for you and waive the interest charges and fees. We may require the notification in writing. This guarantee is in addition to and does not affect any statutory rights that you may have. |
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Credit is subject to status to UK residents aged 18 years or over. The Ryanair Credit Card is issued by GE Capital Bank Limited, trading as GE Money, 6 Agar Street, London, WC2N 4HR. Registered No. 1456283
*0%APR for 9 months (a 2.99% fee applies). Typical 16.9%APR variable (risk based pricing).
**56 days interest-free credit on purchases when you pay your balance on time and in full.
***6 month periods run from 11th December to 10th June inclusive and 11th June to 10th December inclusive. Only pay taxes, fees and charges.
^Within 90 days of opening your account. Only pay taxes, fees and charges.
This service, including all information and offers on this site, is operated by GE Capital Bank Limited, trading as GE Money, 6 Agar Street, London, WC2N 4HR. Registered No. 1456283 under the agreement of Ryanair.