Paying interest on credit card debt? Pay smarter instead by transferring your balance to our Everyday Long Term Balance Transfer Credit Card.
Move 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
Check your eligibility
Find out how likely you are to be accepted for a credit card. It only takes a few minutes to complete with no impact on your credit score, and you’ll even get an indication of your credit limit.
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 |
Spending on this credit card – here’s what you should know
This card is designed to help you save money on balance transfers. It also gives you 0% interest on purchases for the first 3 months. And using a credit card for purchases can offer a lot of benefits, as we explain below.
But after the 3-month period, if you still have an outstanding balance transfer on your card, you’ll be charged interest on any new purchases you make. This will happen even if you pay them off during the month. Interest will continue to be charged until you can clear the balance of your card in full, including the balance transfer amount.
So think carefully about how you plan to use the card, and the overall cost to you, before deciding if it’s the right one for you.
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.
More information about the Everyday Long Term Balance Transfer Credit Card
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
You can have up to 3 additional cardholders. The additional cardholders must be close family members who live at the same address as you. 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.
Pay smarter with a Santander credit card
Here's what you can get with one.
Rewards
Santander Boosts
Sign up to Santander Boosts to enjoy cashback, vouchers, offers and prize draws. Choose the offers you like and earn rewards when spending at your favourite retailers.
Mastercard Priceless™
Enjoy unforgettable experiences and valuable offers in the cities where you live and travel with Mastercard Priceless™
Give me an example of how using a credit card rewards me
Control
Stay in control of your credit card debt by moving all your existing credit card balances to the Everyday Long Term Balance Transfer Credit Card. You'll then only have one monthly payment to make, and you won’t get charged any interest for 31 months from the date you open your account.
The flexibility to pay down your balance in a way that suits you. Make a payment when you get your statement, or pay it off little and often throughout the month.
Setting up a Direct Debit puts you in control. It means you’ll never miss a payment or get charged a late payment fee.
Here’s how you can use our Mobile Banking app to stay in control.
Card controls let you turn on and off certain types of purchases, like online, international, contactless and gambling.
Register for free account alerts by text or email. These help to keep you safe and in control of your money. We can send you alerts when you’re near your credit limit, to help you avoid fees. We can also use them to make you aware of certain activity on your account.
Give me an example of how a credit card helps me stay in control
Security
Spot a suspicious payment? Block your card instantly and report this to us using our app. Safe in the knowledge no money has left your current account.
Problem with a purchase? Let us know and we'll help you raise a claim to get your money back.
Can’t find your card? If you think it’s been lost or stolen you can freeze it temporarily in our app. Then, if you find it again later, just unfreeze it.
Section 75 protection
Buy with confidence – you’ll get protection under the Consumer Credit Act for some purchases. Section 75 protects you if certain things go wrong.
Using credit isn’t right for everyone. Make sure you understand how a credit card works. There’s some information above to help you. Always pay on time and stay within your credit limit to avoid unexpected fees.
Information correct as at 26 February 2025.