Everyday Long Term Balance Transfer Credit Card

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0% interest on balance transfers for 34 months from account opening (3.15% balance transfer fee applies, min £5) 

0% interest on purchases for 3 months from account opening 

No monthly fee applies
 

Representative example

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

All credit is subject to status and a credit check, which will show on your credit file.

Here’s some things to be aware of. They explain how some of the features of the credit card work. You should also read the Key Facts Document and Terms and Conditions before you apply.

  • This card gives you 0% interest on purchases for the first 3 months. After that, if you still have a balance transfer on the card, we’ll charge interest on new purchases from the day you make them, even if you pay them off that month. That will continue until you clear your full balance, including the balance transfer. Think carefully about how you plan to use the card and the total cost before you decide if it’s right for you.
  • You will be charged a 2.95% foreign transaction fee on purchases and cash withdrawals made abroad. 
  • Cash withdrawals at home and abroad are subject to a cash transaction fee of 3% (minimum £3). You'll also pay interest at 29.9% p.a. from the day you withdraw the cash.
  • You can’t do a balance transfer from other Santander or cahoot credit cards or from any loan or current account.
  • After the 0% period, interest will be charged on any balance transfer and purchases balance at 24.9% p.a. (variable).
  • Go digital and sign up to Mobile and Online Banking where you can view statements, make payments, set up handy account alerts and lots more.
  • During the application we’ll ask if you want to receive information about our products and offers. Your choices will override any previous marketing preferences given.

 Key documents

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 34 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 34 months (3.15% 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 24.9% APR (variable)
    Purchase rate 24.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Explore Everyday No Balance Transfer Fee Credit Card Check your eligibility

    Using credit isn’t right for everyone. Make sure you understand how a credit card works. Always pay on time and stay within your credit limit to avoid unexpected fees.

    Ready to apply?

    If you have Experian CreditLock or similar with another credit reference agency, you'll need to switch it off before you apply.

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    Information correct as at 8 October 2025.