Santander Everyday Credit Card: 0% Balance Transfer With No Fee Deal

Take control of your debt with 0% interest and no hidden fees.

Ever feel like credit card debt just keeps piling up no matter how much you pay off? If you’re juggling balances and paying interest every month, the Santander Everyday Credit Card might be just the break you need. With 0% interest for 12 months on balance transfers and no fee to transfer, it’s one of the UK’s most straightforward offers — and that’s exactly why it works.

CREDIT CARD

Santander Everyday No Balance Transfer Fee

0% interest on purchases 0% on balance transfers

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So, What’s the Deal? Let’s Break It Down Together

Let’s say you’ve got a few hundred pounds sitting on another credit card, charging you 23% APR or more. It’s frustrating, right? Now imagine shifting that whole balance onto the Santander Everyday Credit Card, which offers no interest for 12 months and no transfer fee. That’s a full year to clear your debt without paying extra — provided you stay on top of repayments.

Even better, the Santander Everyday Credit Card also gives you 0% interest on purchases for the first 3 months, giving you breathing room for new spending too. There’s no monthly account fee, and applying is quick — with an online eligibility checker that won’t touch your credit score.

Step-by-Step: How to Use the Card Smartly

Using this card isn’t rocket science — but a few smart moves will make it even more effective.

1. Check your eligibility online — it’s instant and won’t affect your score.
2. Apply, and request your balance transfer during the application.
3. Once approved, your card will arrive by post.
4. Activate it within 45 days to trigger the balance transfer.
5. Set up a direct debit to cover at least the minimum payment.

With the Santander Everyday Credit Card, you can transfer between £100 and 95% of your credit limit — just not from other Santander or cahoot cards, loans, or current accounts. After the initial 12-month window, any new transfers come with a 3% fee and a 24.9% APR, so it’s smart to make the most of the offer while it lasts.

Little-Known Tips That Make a Big Difference

Here’s what savvy users do to make the most out of this card:

• Avoid making cash withdrawals — they’re charged 29.9% interest from day one, plus a 3% fee (£3 minimum).
• Don’t use the card abroad — foreign purchases incur a 2.95% fee.
• Only spend what you can repay in 3 months — that’s how you dodge interest on purchases.
• Sign up for Santander Boosts through the app — it’s free rewards, cashback, and prize draws.
• If you’re confident with repayments, ask for a credit limit increase after 3 months.

Also, keep in mind: miss one payment and you’ll lose the 0% deal — plus get hit with a £12 late fee. That’s why autopay is your best friend.

Getting the Most Value from the Santander Everyday Credit Card

If you’ve been dealing with interest-heavy debt, the best approach is:

• Transfer your balance as soon as you’re approved.
• Don’t make new purchases unless you can clear them within 3 months.
• Pay off the entire balance before the 12 months end — or you’ll pay 24.9% APR.
• Treat this card as a tool, not an ongoing spender.

One pro tip: use a spreadsheet or budgeting app to track your monthly repayments with the Santander Everyday Credit Card. And if you’re tempted to keep spending after your balance transfer, consider freezing the card directly in the Santander mobile app — it’s a simple way to stay disciplined.

Any Better Options Out There?

Maybe. Here’s how it stacks up against similar offers:

So yes, there are longer 0% periods out there — but few offer no fee up front. That’s what makes Santander’s offer ideal for mid-sized balances.

Who’s Eligible – What You’ll Need

Not everyone qualifies, so here’s what you’ll need:

• Be 18 or older
• Be a UK resident
• Earn at least £10,500 a year
• Have no CCJs, bankruptcies, or IVAs in the past 6 years
• Not already hold an Everyday credit card from Santander

Your credit limit will depend on your financial history. You can also add up to three additional cardholders, though you’ll be responsible for all spending.

How to Apply – It’s Easier Than You Think

1. Go to the Santander website and use the eligibility checker.
2. Fill out the full application — include income, expenses, and employer info.
3. If eligible, request your balance transfer as part of the form.
4. Wait for approval — usually instant.
5. Receive your card and activate it within 45 days.

That’s it. If you don’t activate in time, your transfer request won’t go through. Timing matters!

FAQ – The Questions People Forget to Ask

Can I transfer multiple balances?

Yes — just make sure they’re within 95% of your credit limit and not from Santander or cahoot.

Do I get another 0% offer if I transfer more later?

No. Only transfers made during the first 12 months are fee-free and interest-free.

How’s interest calculated?

Interest is calculated daily, and applied monthly. So if you carry over a balance, you’ll pay interest on it and the interest from previous months (compound interest).

What if I only make minimum payments?

You’ll stay in good standing, but it will take much longer — and most of your payments will go toward interest after the 0% period.

How much can I withdraw in cash?

There’s a £300 daily withdrawal limit, and remember — cash costs more.

What’s Santander Boosts?

A free programme that gives you personalised rewards, discounts, vouchers and cashback on spending with popular UK brands.

Final Word: Is This Card Worth It?

The Santander Everyday Credit Card isn’t flashy — and that’s exactly the point. It offers a simple, effective way to tackle debt without piling on extra fees. If you’ve got balances to clear and you’re ready to stick to a plan, this no-nonsense credit card can help you get back on track.

Sure, it’s not built for luxury perks or frequent flyers, but if your goal is to stop paying high interest and finally take control of your finances, the Santander Everyday Credit Card stands out as one of the cleanest, most straightforward offers on the UK market today.

→ Check your eligibility now — takes less than 60 seconds, no credit impact

CREDIT CARD

Santander Everyday No Balance Transfer Fee

0% interest on purchases 0% on balance transfers

APPLY NOW You will be redirected