Everyday Long Term Balance Transfer Credit Card

Check whether you’ll be accepted and what credit limit we’ll give you before you apply – the check won’t be recorded on your credit file. You might want to do this because if your application is declined it could impact your credit rating.

Check your eligibility

 

Take control of your finances with 28 months interest-free for balance transfers
 

By moving your existing credit card balance(s) on to our card with 0% interest, you could save money and pay off your debt quicker. You could even transfer multiple credit card balances so you only have one simple monthly payment. 

From the date of account opening, you'll get:

"Yes"

0% interest on balance transfers for 28 months (3.9% balance transfer fee applies, min £5)

"Yes"

0% interest on purchases for 3 months

 

No monthly account fee 
 

What you need to apply: 

  • To be aged 18 or over and a permanent UK resident
  • To have an income of £10,500 or more a year
  • Don't already have another Everyday credit card


All credit is subject to status and credit checks.

 

Representative example
Representative24.9% APR(variable)Purchase rate24.9% p.a.(variable)Assumed credit limit£1,200Monthly fee£0

Want to transfer a balance?

Use this calculator to see which credit card could give you the best savings. Our calculator is for illustrative purposes only, and savings may vary depending on your repayments.

How the calculator works
We’ll show you the credit card options in order of the lowest cost to you based on how much you would like to transfer and pay back each month.

Estimated savings
This is an illustrative example of how much you could save in interest over the months it could take to pay off your balance in full. This is based on you transferring your balance to us from a credit card with an APR of 23.9% and always making the monthly payment entered.

Total cost
This includes any balance transfer fees or monthly fees plus any interest charged over the time it would take you to pay off your balance in full. This does not include your original balance transfer amount.

Minimum amount of £100

This will adjust if the amount you enter is lower than what we think your current minimum payment is on your existing card.

All in One Credit Card

v

  • Payment is less than minimum requirement of £
  • 0% Balance Transfer period 15 months
  • Monthly fee £3
  • Estimated savings £0
  • Estimated time to pay off 0 months
  • Balance transfer fee £0
  • Monthly fee + interest charged £0
  • Total Cost £0

Card benefits

  • 0% interest on balance transfers for 15 months with no balance transfer fee.
  • 0% interest on purchases for 15 months.
  • No foreign exchange fees on purchases overseas.
  • 0.5% cashback (up to £10 a month) on all your purchases.

    • Representative example

    Representative 29.8% APR (variable)
    Purchase rate 23.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £3

    Explore All in One Credit Card Check your eligibility

    Everyday Long Term Balance Transfer Credit Card v

    • Payment is less than minimum requirement of £
    • 0% Balance Transfer period 28 months
    • Monthly fee £0
    • Estimated savings £0
    • Estimated time to pay off 0 months
    • Balance transfer fee £0
    • Monthly fee + interest charged £0
    • Total Cost £0

    Card benefits

  • 0% interest on balance transfers for 28 months (3.9% balance transfer fee applies, min £5).
  • 0% interest on purchases for 3 months.

    • Representative example

    Representative 24.9% APR (variable)
    Purchase rate 24.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Apply for the Everyday Long Term Balance Transfer Credit Card Check your eligibility

    Everyday No Balance Transfer Fee Credit Card v

    • Payment is less than minimum requirement of £
    • 0% Balance Transfer period 12 months
    • Monthly fee £0
    • Estimated savings £0
    • Estimated time to pay off 0 months
    • Balance transfer fee £0
    • Monthly fee + interest charged £0
    • Total Cost £0

    Card benefits

  • 0% interest on balance transfers for 12 months with no balance transfer fee.
  • 0% interest on purchases for 3 months.

    • Representative example

    Representative 23.9% APR (variable)
    Purchase rate 23.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Explore Everyday No Balance Transfer Fee Credit Card Check your eligibility

    Account fee

    There is no account fee for this card.

    Minimum repayment

    You must make at least the minimum payment each month. The amount and due date will be on your statement.

     

    0% interest on balance transfers

    • Get 28 months interest-free on balance transfers from account opening (3.9% fee, min £5).
    • You can transfer balances from £100 up to 95% of your credit limit.
    • You can’t transfer balances from other Santander or cahoot credit cards or from any type of loan or current account.
    • At the end of the 0% period, a 3% balance transfer fee will apply to any new balance transfers. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 24.9% p.a. (variable).

    When you apply, we’ll carry out a credit check. This will help us to decide the credit limit we can offer. We’ll tell you your credit limit once your application has been accepted.

    You can use our eligibility checker to get an idea of your credit limit before you apply. This can help you decide if it meets your needs.

    You can request a balance transfer during your application. If you do, we’ll make a payment to your current credit card company when you activate your card. Just make sure you activate it within 45 days of receiving it for this to happen. You don’t need to do anything else.

     

    0% interest on purchases

    • Get 3 months interest-free on purchases from account opening.
    • At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 24.9% p.a. (variable).

    Find out more about how credit cards and credit card offers work (PDF - 126 KB)

    We have other borrowing options such as overdrafts and personal loans. Plus there are additional loans for our existing mortgage customers. 

     

    Santander Boosts

    With our credit cards you can register for Santander Boosts. Get rewards to give you a little boost when you bank with us.

    All you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking. You can then choose the offers you like and earn rewards with your favourite retailers.

    • Earn cashback when you shop online at a wide range of retailers.
    • Get vouchers and coupons for discounts on products and services.
    • Enjoy free gifts and enter prize draws. 
    • Get offers personalised to your interests and hobbies.

     

    What you also get

    Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards. If the additional cardholder isn't a Santander customer we may ask for ID for them.

    Up to 56 days interest-free period on purchases. This means that if you pay off your balance in full and on time every month, you won’t be charged interest.

    Key documents

     

    Ways to bank with us

    You’ll get 24/7 banking on all your devices with Mobile and Online Banking. Here are some of the things you can do.

     

    Account alerts

    We’ll send you account alerts when you’re near your credit limit to help you avoid fees. We can also make you aware of certain activity on your account. You can manage your alerts settings at any time in Online Banking. If you need more help, please contact us or visit your local branch

     

    Security

    Keep your banking details private and secure. 

    Visit our Security Centre for more information to help you avoid fraud and scams.

    How can we help you?

     

     

    Giving you more – our cards also come with:

    Card controls in our app

    View your PIN, freeze your card if you lose it and block certain transactions in our mobile banking app.

    Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts

    Card account alerts

    We’ll send you alerts when you’re near your credit limit to help you avoid fees.

     

    Information correct as at 17 October 2024.