Santander Everyday Long Term Balance Transfer
Representative APR
24.9% APR (variable)
Purchases
0% for up to 3 months, then 24.90% (variable) p.a.
Balance Transfers
0% 31 months, then 24.90% (variable) p.a. (3.45% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Santander Everyday Long Term Balance Transfer credit card offers one of the longest 0% interest periods available on balance transfers, with up to 31 months interest-free. While it charges a 3.45% balance transfer fee, the extended promotional period may offset this cost by giving consumers more time to repay their balances without incurring interest.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Santander |
|---|---|
| Network | Mastercard |
| Primary Category | Balance Transfer |
| Loyalty Scheme | |
| Incentive on opening | Get 3 months interest-free on purchases from account opening and 31 months on balance transfers |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 0% for up to 3 months, then 24.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 0% 31 months, then 24.90% (variable) p.a. (3.45% fee) |
| Balance Transfer Fee | 3.45% |
| Cash Advances | 29.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 500.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3.00% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.95% |
| Foreign Usage World | 2.95% |
Application Requirements
| Availability | Available to new customers. Must not have another Everyday Credit Card. |
|---|---|
| Minimum Income | £ 10,500 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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