Representative example

Card purchases for 6 months

0% p.a.

Followed by

15.9% p.a. (variable)

Representative APR3

21.7% (variable)

Assumed credit limit

£1,200

Monthly fee

£3

Important Information

You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a gross annual income of £7,500 or more, have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years. You must agree to a credit check as part of the application and this will determine whether or not you’re accepted and the credit limit that we can offer. We reserve the right to refuse any application.

1. Transfer from £100 to 95% of your credit limit. If your total transfer is above your available credit limit, we may allow you to transfer part of it. You won’t be able to transfer from other Santander or cahoot credit cards, or from any loans or current accounts. At the end of the 0% period balance transfer fees will apply and interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate.

2. The savings figure indicates the interest saving over the 39 month 0% period compared to the APR on your existing credit card. The calculator assumes that you will continue to make monthly repayments of the amount entered in the calculator, that there are no further transactions, that there is a fixed interest rate charged on your existing credit card and that you are not in an initial or other promotional period. At the end of the 0% period, balance transfer fees will apply and interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 15.9% p.a. (variable).

3. The Representative APR figure shows the rate of interest you’ll pay over a year including any monthly fee you may be charged. This is why the APR is sometimes higher than the rate of interest shown for card purchases (following the end of any 0% introductory offer).