Santander Everyday No Balance Transfer Fee Credit Card Review

No transfer fee, 0% interest for 12 months—save money and simplify your financial life today.

Have you ever looked at your credit card bill and thought, “There has to be a better way”? If interest charges and balance transfer fees are making it harder to stay ahead, it’s time for a solution that works for you. The Santander Everyday No Balance Transfer Fee Credit Card offers a refreshing change—letting you transfer balances with 0% interest for 12 months, and no transfer fee to worry about.

Whether you’re trying to clear existing debt or planning a few purchases, this card brings simplicity, flexibility, and savings all in one. No monthly fees, no hidden catches—just straightforward support to get your finances back on track. Curious to see what else it offers? Let’s dive into the benefits.

CREDIT CARD

Santander Everyday No Balance Transfer Fee

0% interest on purchases 0% on balance transfers

APPLY NOW You will be redirected

Why The Santander Everyday No Balance Transfer Credit Card Stands Out

1. No balance transfer fee
Most credit cards charge you a percentage to move debt from one card to another—typically around 3%. With this one? Nothing. Zip. You can transfer your balance without paying a penny in fees, meaning all your money goes towards reducing what you owe, not feeding the banks.

2. 0% interest on balance transfers for 12 months
Need a breather from high interest? This card gives you an entire year of 0% interest on balance transfers. That means you can plan your repayments without your balance growing behind your back due to interest.

3. 0% interest on purchases for 3 months
Got something coming up—maybe a home repair, a travel booking, or just everyday essentials? With 0% interest on purchases for the first 3 months, you can spend a little now and spread the cost out comfortably.

4. No monthly account fees
You shouldn’t have to pay to manage your own money. This card comes with zero monthly account charges, making it a cost-effective solution whether you’re using it often or just keeping it for emergencies.

5. Santander Boosts – cashback and rewards
Once you’ve got the card, you can unlock Santander Boosts: a platform offering cashback, discounts and vouchers with popular brands across the UK. Whether you shop online or in-store, you could be getting something back every time you spend.

6. Mastercard protection and acceptance
As a Mastercard, this card is accepted virtually everywhere—from supermarkets and petrol stations to online stores and travel sites. You’ll also enjoy peace of mind with Mastercard’s fraud protection.

7. Add up to 3 additional cardholders
Want to share the convenience with your family? You can add up to three additional cardholders, making it easier to manage household spending under one account.

8. Contactless and mobile-friendly
Tap to pay in seconds with contactless technology or add your card to mobile wallets like Apple Pay and Google Pay. It’s fast, secure, and perfect for those daily purchases on the go.

9. Easy online and mobile banking
With Santander’s online and mobile banking, you can check your balance, make payments, and manage your account anytime, anywhere. It’s intuitive and built to make your life simpler.

Qualification Requirements

• You must be 18 or older and live in the UK
  This credit card is only available to UK residents who are at least 18 years old. Proof of residency and age will be required during the application.
• A minimum income of £10,500 per year is needed
  Santander asks for a steady income of at least £10,500 annually to ensure you can handle repayments comfortably.
• You must have a good credit history
  If you’ve kept up with payments and managed other credit accounts responsibly, your chances of approval are much better.
• You can’t already hold this specific card
  If you currently have a Santander Everyday No Balance Transfer Fee Credit Card, you won’t be able to apply for a second one.
• You’ll need to pass a credit check
  As part of the application, Santander will assess your financial history and affordability before making a decision.
• Applicants must meet Santander’s internal lending criteria
  The bank will consider your overall financial health, existing commitments, and available credit.

How to Apply for The Santander Everyday No Balance Transfer Fee Credit Card

• Check your eligibility first
  Use Santander’s free eligibility checker—it won’t affect your credit score and gives you an idea of your chances.
• Prepare your personal and financial details
  You’ll need your address history, employment information, and income details ready for the application form.
• Apply online through the Santander website
  The online process is quick and intuitive—perfect for doing in your own time.
• Wait for a decision
  You’ll usually receive a decision within minutes. Some applications may take longer if further checks are needed.
• Activate your card when it arrives
  Once approved, your card will be delivered and ready to activate so you can start using it.
• Register for online and mobile banking
  This will let you monitor your spending, make payments, and access Santander Boosts.

Frequently Asked Questions

1. Can I transfer a balance from another Santander credit card?

No, balance transfers must come from cards not issued by Santander or cahoot.

2. What is the maximum I can transfer?

You can transfer between £100 and up to 95% of your available credit limit.

3. Will using the eligibility checker impact my credit score?

No, using Santander’s eligibility tool is a soft check and won’t affect your credit rating.

4. What happens after the 0% promotional period ends?

Any remaining balance will start to accrue interest at the standard variable rate of 24.9% APR.

CREDIT CARD

Santander Everyday No Balance Transfer Fee

0% interest on purchases 0% on balance transfers

APPLY NOW You will be redirected