Everyday Long Term Balance Transfer Credit Card


Everyday Credit Card



Our longest balance transfer offer

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.


  • 0% interest on balance transfers for 26 months from account opening (3% balance transfer fee applies, min £5)
  • 0% interest on purchases for 3 months from account opening

No monthly account fee

Representative example 

Representative 23.9% APR


Assumed credit limit £1,200

Purchase rate 23.9% p.a.


Monthly fee £0

You can apply if you’re 18 and over and live in the UK permanently, you have an income of £10,500+ per year and you don’t already have another Everyday credit card.  All credit is subject to status and credit checks.

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 26 months interest-free on balance transfers from account opening (3% 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 23.9% 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 23.9% 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 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.

Save on interest by transferring your credit card balances.

Balance transfer calculator

This calculator is for illustrative purposes only.

Find out how much you could save by transferring your credit card balances

(minimum amount £100)

Potential interest saving over months


Balance transfer fee


Potential total saving including the fee


This calculator is to give an idea of the savings that you could make based on the information provided.

The savings figure estimates the interest saving over the 26 months 0% period. This is compared to the APR on your current credit card.

The calculator assumes that:

  • you'll make the monthly repayment amount you enter
  • there are no further transactions 
  • there’s a fixed interest rate charged on your existing credit card
  • that you're not in an initial or other promotional period on your existing credit card.

 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


Keep your banking details private and secure. 

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

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.

Santander Boosts

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

Account alerts

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

Not sure which credit card is right for you? See all of our cards

It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.


Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

Pre-Contractual Explanation

Here is a summary of the important information from the Pre-Contractual Explanation. The full version of this can be found in the Everyday Long Term Balance Transfer Credit Card Key Facts Document. Click on the link above to see this. You should read it before you apply.


Is this credit card right for your needs?

A credit card is more suitable for borrowing over a shorter period of time. There may be cheaper ways to borrow large amounts.


What are the interest rates and charges for the credit card?

With some credit cards, we offer 'introductory' interest rates and charges for a set period of time. Your introductory period starts from the day you open your account.

You should try to clear the balance on your card before your introductory period ends. This is because higher interest rates and charges will apply after an introductory period has stopped.

The interest rate and charges you have to pay depends on how you use your credit card. For example, we'll always charge a higher rate for taking out cash using your credit card. 

What should you know about balance transfers?
We charge a balance transfer fee of 3% (minimum £5) on any balance transfers made during the introductory period.

What’s the monthly fee for using the credit card?
We don’t charge a monthly fee for this credit card.

Can we change interest rates and charges?
We can change these rates and charges but we’ll tell you before we do.


How much do you have to pay each month, and when?

Each month, we'll give you a statement showing the minimum payment you'll need to pay for that month. 

It will cost you more if you only make your minimum payments. The quicker you pay off your balance, the less it will cost you in the long run.


What happens if you don’t pay your payment on time, or miss a payment?

If you don't make a payment on time, or you miss a minimum payment, we'll charge a £12 fee. That means the total cost of your debt will grow, and we'll keep charging interest on the amounts you should've paid. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might make it more difficult for you to borrow in future.

If you miss multiple repayments you might have legal action brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt recovery company. To avoid getting into this situation, please contact us if you're struggling to keep up with your payments.


Can you change your mind?

You have up to 14 days to decide if this is the right card for you, starting from the day after you receive your card. If you decide you no longer want your new credit card you must let us know and you must repay anything you owe.



  • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your ‘Statements and documents’ in the Mobile Banking app or in Online Banking. 

  • We may occasionally still need to send some correspondence by post.

  • Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone.


To apply, you must answer yes to the following. 

  • I don’t already have a credit card called ‘Everyday Credit Card’ (you can check this on your statement or in Online Banking).
  • I have an income of £10,500+
  • I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
  • I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
  • I accept the Key Facts Document and Terms & Conditions.

Credit check
When you apply, a credit check will be carried out which will show on your credit file.

Your contact preferences
During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

Credit limit increase preferences
During your application we’ll ask if you want us to increase your credit limit in the future:

  • If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
  • If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

If you’d like to amend your preference please contact us at any time.

Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.


Information correct as at 3 July 2024.