You are in

Low Balance Transfer Fee

Get 0% for less

With our Low Balance Transfer Fee Credit Card,you get:

  • 0% for 17 months on balance transfers from date of account opening – you’ll pay our lowest balance transfer fee of just 0.9% (minimum £5)

  • 0% for 3 months on purchases from date of account opening

You won’t pay an annual fee and, by transferring balances from other store or credit cards, you could save up to 17 months’ interest payments. See how much you could save with our Low Balance Transfer Fee Calculator

Transfer from £100 up to 95% of your credit limit. You can’t transfer balances from other Santander Group accounts (including cahoot). At the end of the 0% periods, interest will become payable at your standard balance transfer or purchase rate.

Representative Example
0% p.a.
on card purchases for 3 months followed by 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR Representative (variable) based on an assumed credit limit of £1,200.


Please read the full product details and terms & conditions before applying.
Other credit cards are available; see our credit card range to find out more.


Balance transfer limits
Transfer from £100 up to 95% of your credit limit. You can't transfer balances from other Santander Group accounts (including cahoot).
If the total transfer you want to make is above your available credit limit, we may allow you to transfer part of this amount.

Balance transfer fee
A handling fee of 0.9% (minimum £5) will be charged for each balance transfer. The fee isn't refundable once we've completed the balance transfer.

Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month.

Interest rates

  • Balance Transfer: you'll pay 0% for 17 months then the standard balance transfer rate of 18.9% p.a.

  • Purchases: you'll pay 0% for 3 months then the standard purchase rate of 18.9% p.a.  After the 3 month promotional period has ended, any new purchases you make or any purchases not paid off will incur interest at 18.9% p.a. (variable).

  • Cash transactions: you'll pay 29.9% p.a.

  • You can see a useful summary of all the interest rates in the Summary Box

Minimum repayments
During the 0% period, you must make repayments each month for at least the minimum payment amount. You'll find details of how the minimum payment is calculated in the Summary Box

After the introductory period
At the end of the 0% period, if you haven't paid off the amount of the balance transfer and/or the purchases in full, interest will become payable on the remaining amount at your standard balance transfer or purchase rate. The standard interest rates will be significantly higher than the introductory rates and will increase the amount you have to pay each month. This could also mean that it may take you longer to repay any outstanding balance.

Representative Example
0% p.a.
on card purchases for 3 months followed by 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR Representative (variable) based on an assumed credit limit of £1,200.


Your money, your way
You choose how you bank with us.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more.

Mobile Banking
Bank from anywhere using our apps or by using
Text me the app

Telephone Banking
24/7 banking by phone. Speak to us in person during the day and in the evenings or use our automated service any time of day. Call us on 0845 602 1582.

Cash machines
You can do more than just withdraw cash at our cash machines. For example, pay money or cheques in, pay bills and lots more.

Free text and email alerts
You don’t have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. By setting up the alerts you want in Online Banking we can send you a text or email when it happens – such as when your balance goes above or below a certain amount.

There are also some simple steps you can take to avoid incurring fees
Arrange for direct debits, standing orders or bill payments to come out of your account straight after your salary or other funding has been paid in.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Account Alerts

Card security
For complete confidence, when you're shopping with a Santander credit card, you're protected by:

  • the latest chip and PIN technology to help protect you from someone trying to use your card

  • our Online Banking commitment which includes protection against internet fraud if your card is used online without your knowledge

  • our guarantee that you won't be held financially responsible if your card is used without your (or your additional cardholder's) knowledge

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader.

Pre-Contractual Explanation
We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the Low Fee Balance Transfer Credit Card Key Facts Document which can be accessed via the link above. You should also read this before you apply.

Is a credit card right for my borrowing needs?
A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

What interest and charges might apply?
Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal.
Overseas cash withdrawals or purchases incur additional charges to those made in the UK.
We don't charge an annual fee for this credit card but we do charge a balance transfer fee of 0.9% (minimum £5) on any balance transfers made during the introductory period.
We can change the fees (including the annual fee) and interest rates on your card. We'll let you know in advance if we plan to do this.
Any introductory rate we offer you starts from the date your account is opened.
For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and condition 8 of the credit agreement.

How much will I have to pay under the credit agreement?
It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

What are the consequences to me if I do not keep up repayments?
If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. Repeatedly missing your minimum payments could potentially result in legal action, paying legal costs and your credit rating could go down which would make it harder to get future credit. In the very worst case your debt might be secured against your house, which could be repossessed, or you could be declared bankrupt.

Changing your mind.
You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.

You can apply for the Low Balance Transfer Fee Credit Card if you:

  • are 18 or over

  • live in the UK permanently

  • do not already hold another Santander balance transfer credit card. Only one Santander balance transfer credit card can be held at any one time.

Before you apply we recommend that you read the Summary Box

Apply today

Apply now



Call us on 0800 389 9905. Lines are open 8am-9pm Monday to Friday and 8am-4pm Saturdays.

Find your nearest branch

Apply now

Credit is available subject to status, only to UK residents aged 18 and over.

Frequently asked questions

  • To report a lost or stolen credit card or if you believe you’ve been a victim of credit card fraud please call 0845 602 1582 (+44 1512 648 725 from abroad). Lines are open 24 hours a day, 7 days a week.

  • Charges apply when you use your credit card abroad to make purchases and to withdraw local currency from cash machines:


    • Making purchases abroad or online in a currency other than sterling.
      You will be charged a non-sterling transaction fee of 2.95% of the value of the transaction.


    • Withdrawing cash from a bank or cash machine or buying foreign currency or travellers cheques in a currency other than sterling.
      You will be charged a non-sterling transaction fee of 2.95% of the value plus a non-sterling cash fee of 3% of the value (at least £3).


    • No interest free period on cash withdrawals.
      Interest will be charged from the date of withdrawal.

    Top tip
    If given the option of paying in either local currency or sterling, ensure you choose local currency unless you are certain that the exchange rate is more favourable. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a conversion fee, a foreign usage fee, or both.


    Zero Credit Card customers
    No cash fees or non-sterling transactions fees will be charged to Santander Zero Credit Card customers (please note, the Santander Zero Credit Card is not currently on sale to new customers).


    Before travelling overseas

    • Make sure your contact details are up to date, including your mobile telephone number. The easiest way to do this is via Online Banking. Alternatively, you can call us on 0845 602 1582 or visit a branch. We will continue to monitor your account for fraud and unusual transactions while you are abroad. We will contact you if we detect unusual activity. If you keep your mobile phone with you, you will be able to confirm genuine transactions as soon as we call

    • Ensure you know your PIN number. If your card does not have a PIN, please contact us before travelling on 0845 602 1582.

    • If you are travelling outside the EU, let us know so we can place a note on your account to say you are travelling. This is not a requirement, but may help if you are concerned about your card use while abroad. Please speak to an advisor on 0845 602 1582 to do this

    You do not need to tell us when you are travelling in the EU. As the EU has a high coverage of chip and pin, we are able to identify you and will monitor for fraud in the same way as if you were paying in the UK.

  • You can activate your credit card online by logging on to Online Banking or by calling 0845 603 8750. Lines are open 9am to 8pm Monday to Thursday, 9am to 7pm Friday and 9am to 5pm Saturday.


    Additional cardholders should call on the number above to activate their card.

  • You can view your balance and credit limit online by logging on to Online Banking.


    You can also get this information by calling 0845 602 1582.


    To request a change to your credit limit on your account call 0845 602 1582. Lines are open 7am to 11pm Monday to Sunday.

  • The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.


    You can also change it by telephone or in branch.


    1. Online Banking (instant):
    Log on and update your details instantly from within the "My Details & Settings" tab. 

    • Choose 'Change personal details' from the left hand menu and then click 'Change address'.


    • Enter your new details (including postcode) and follow the onscreen instructions.


    • Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.

    2. By telephone (for current account and savings customers):

    • Call our Telephone Banking line on 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.


    3. In branch:

    • Complete a change of details form by

      • Printing off and completing the Change of details form *

      • Requesting a copy of the form by calling us on 08459 724 724. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.

      • Collect a form from your local branch.

    • Take the form to your local branch together with relevant account documentation:

      • Your cash card, passbook or certificate and;

      • Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport). 


    If you would like to discuss our identification requirements please call us on 08459 724 724 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.


    Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.


    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free 


  • Can't find what you are looking for? Find more on the credit cards FAQs page.

You may also be interested in

You may also be interested in


Lorem ipsum dolor sit amet, consectetur adipiscing elit ipsum dolor sit amet, consectetur adipiscing elit ipsum dolor sit.