Take control of your finances with 31 months interest-free for balance transfers
By moving credit card balances you’ve built up elsewhere onto 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:
0% interest on balance transfers for 31 months (3.45% balance transfer fee applies, min £5)
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
- Not have been declared bankrupt, had a CCJ or an IVA within the last 6 years
- Don't already have another Everyday credit card
All credit is subject to status. A full credit check will be made on application.
| Representative example | |||
|---|---|---|---|
| Representative24.9% APR(variable) | Purchase rate24.9% p.a.(variable) | Assumed credit limit£1,200 | Monthly 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.
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 31 months interest-free on balance transfers from account opening (3.45% 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.
Purchases and cash withdrawals abroad
- You will be charged foreign transaction fees on purchases and cash withdrawals made abroad. This fee will be 2.95% of the transaction.
- A cash transaction fee of 3% (minimum £3) will be charged on all cash withdrawals, including those made abroad. You’ll be charged 29.9% p.a. interest on the cash you take out from the day it’s withdrawn.
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
- Everyday Long Term Balance Transfer Credit Card Key Facts Document (PDF - 729 KB)
- General Terms & Conditions (PDF - 215 KB)
- Summary Box (PDF - 173 KB)
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.
- Change your statement settings
- Set up account alerts
- Get personalised spend insights with My Money Manager
- Make payments to your credit card in Mobile Banking
- Make contactless payments with your digital device when you link your Santander credit card
- Face-to-face support in branch and UK-based Telephone Banking
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.
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 26 February 2025.