The Santander Everyday Long Term Balance Transfer Credit Card  

Take control of your finances with extended balance transfers, flexible repayments, and secure banking—choose Santander!

CREDIT CARD

Santander Everyday Long Term Balance Transfer

0% on balance transfers 0% interest on purchases

SEE HOW TO APPLY You will remain on the current site

If you’re juggling high-interest credit card debt, the Santander Everyday Long Term Balance Transfer Credit Card might be exactly what you need. It’s not flashy, but it does one thing extremely well: gives you 31 months of 0% interest on balance transfers. That’s more than 2.5 years without interest — a huge window to get your finances back on track.

With no monthly fee, and a short 0% intro period on purchases, it also works for short-term spending flexibility. Just don’t expect reward points or airport lounge access. This one’s for people who want to tackle debt head-on — and win.

How the Offer Works (Without the Fine Print)

• ✅ 0% on balance transfers for 31 months (3.45% transfer fee applies – minimum £5)
• ✅ 0% on purchases for 3 months
• ✅ No monthly account fee
• 💳 APR after that? 24.9% variable
• 🧾 Transfer cap: up to 95% of your credit limit

A good credit score helps, but the minimum income requirement is £10,500/year, which is accessible for many UK workers.

Quick Breakdown: How It Stacks Up

While other cards might offer slightly lower transfer fees, Santander beats them on balance transfer duration — and that’s the game-changer if you need time to repay.

Who This Card Is For

This isn’t the right product if you want cashback or travel perks. But it’s an excellent choice for:

• 🔄 Debt consolidation across multiple cards
• ⏳ Planning long-term repayment with no interest piling up
• 🧘 Reducing financial stress with one predictable payment
• 🛠️ Making a big purchase, then spreading cost interest-free for 3 months

A Real Example: How Much Could You Save?

Let’s say you transfer £2,000 from a card with 21.9% APR. Over 31 months, you’d pay about £950 in interest — unless you switch. With Santander, you’d pay a one-time £69 fee, then £0 interest.

So yes, the 3.45% transfer fee stings at first. But when you do the math, it’s a fraction of what you’d pay in compound interest elsewhere.

Things to Watch Out For

No card is perfect. Here are a few things to keep in mind:

• 🧾 Transfer fee is upfront — and non-refundable.
• 🌍 Foreign transactions incur a 2.95% fee, so this isn’t a good card to travel with.
• 💷 Cash withdrawals are charged interest immediately (29.9% p.a.). Avoid it.

Also, if you forget to make a minimum payment? You could lose the 0% deal. Set up a direct debit — seriously.

Verdict: Is It Worth It?

If your main goal is cutting interest payments and cleaning up your credit, then yes — this card is more than worth it. You’ll need to be strategic, organized, and ideally pay it off before the 31 months end. But for thousands of people in the UK, it’s been a financial lifesaver.

🔎 Still unsure if you’ll qualify? Want tips to get approved or boost your credit fast?
👉 Head to Page 2 for insider tricks, little-known fee waivers, and an in-depth usage guide.