Santander Everyday No Balance Transfer Fee Credit Card — 0% for 12 months
Benefits
The Everyday No Balance Transfer Fee Credit Card provides a compact set of practical benefits aimed at short‑term financing and everyday convenience. Main benefits include:
- 0% on balance transfers for 12 months with no fee during the introductory period.
- 0% on purchases for the first 3 months from account opening.
- No annual or monthly account fee.
- Card controls available in Santander Mobile Banking (view PIN, freeze card, block certain transactions).
- Up to three additional cardholders may be added.
- Access to Santander Boosts — personalised offers via the Mobile Banking app / Online Banking.
Prerequisites
To apply for this card you must meet Santander’s stated eligibility requirements. The issuer’s Key Facts Document and product information specify the following prerequisites:
- Minimum age: 18 years.
- Residency: Permanent UK resident required.
- Guaranteed annual income requirement: at least £10,500.
- Credit profile: issuer states a requirement for a good credit record; a full credit check will be carried out on application.
- Bankruptcy/CCJ/IVA: must not have been declared bankrupt or had a County Court Judgment (CCJ) or an Individual Voluntary Arrangement (IVA) within the last six years.
About the issuer
This product is issued by Santander UK plc. The issuer’s publicly available product documentation confirms that Santander UK plc shares application and account data with licensed credit reference agencies when evaluating credit.
Who is this card for?
This card is aimed at customers who want to reduce the cost of transferring existing credit card debt in the short term and those who want a brief interest‑free period to manage new purchases. Specifically, the target audience includes:
- Customers who want 0% on balance transfers for 12 months and no balance transfer fee during that period.
- People who need up to three months’ interest‑free time on new purchases.
- Applicants who value simple features such as no annual account fee and in‑app card controls.
- Households who may wish to add up to three additional cardholders to a single account.
What rewards and programmes does the card offer?
This card does not operate a points, miles or cashback rewards programme in the way that dedicated rewards cards do. According to the product details, there is no standard points or miles currency attached to this card. The cardholder can, however, access Santander Boosts — personalised offers delivered via Santander Mobile Banking or Online Banking — which are promotional offers rather than a points currency or transferable miles programme.
Initial credit limit
Santander sets a minimum initial credit limit and considers applicants’ income and credit record when deciding the limit to offer. The Key Facts Document discloses the following:
- Minimum credit limit on issue: £500.
- Maximum credit limit: Subject to status
- Initial limit will depend on your individual circumstances (income, credit history and lender assessment) and a full credit check will be made on application.
Step by step to apply for the card
To apply for the Santander Everyday No Balance Transfer Fee Credit Card, follow these basic steps based on the issuer’s application channel and eligibility checks:
- Review eligibility.
- Gather documents: proof of identity, proof of address and evidence of income if requested by the lender.
- Start the online application.
- Complete the form.
- Consent to a credit check: Santander will carry out a full credit check and may share application data with licensed credit reference agencies.
- Await the decision: if approved, the card will be issued with an assigned credit limit; if not approved, Santander will notify you according to their standard procedures.
To begin an application or to view full product details visit the card page on Santander’s website or use the issuer’s eligibility portal. Use the button below to go to the official Santander product page:
App availability
If you wish to manage the card digitally, Santander Mobile Banking is the stated channel for card controls and personalised offers. The app can be downloaded here:
Card’s pros and cons
Below is an objective view of the key advantages and disadvantages based on the issuer’s published features and fees.
Pros
- No balance transfer fee during the 12‑month introductory period, making transfers cheaper for the promotional window.
- 0% on balance transfers for 12 months and 0% on purchases for three months offer short‑term interest relief.
- No monthly or annual account fee (annual fee: £0).
- Card controls in the Mobile Banking app and the option to add up to three additional cardholders.
- Up to 56 days interest‑free on purchases if the account is paid in full and on time.
Cons
- Representative APR after introductory periods: 24.9% variable — relatively high for long‑term revolving balances.
- Standard balance transfer fee of 3% (minimum £5) applies after the introductory period for transfers made outside the promotional window.
- Cash withdrawals attract a fee (3% with a minimum of £3) and a higher cash advance APR (29.9% variable).
- Non‑sterling transactions incur a 2.95% foreign transaction fee.
Fees and tariffs
All amounts and percentages below are taken from Santander’s published product information and Key Facts Document effective as stated in the issuer materials.
| Feature | Details |
|---|---|
| Annual / monthly account fee | £0. |
| Representative APR (variable) after introductory periods | 24.9% APR (variable). |
| Introductory offers | 0% on purchases for 3 months; 0% on balance transfers for 12 months with no transfer fee during the introductory period. |
| Standard balance transfer fee (after intro / not covered by offer) | 3% (minimum £5). |
| Cash advance fee & APR | 3% of the amount withdrawn, minimum £3; cash advance APR: 29.9% (variable). |
| Late payment fee | £12. |
| Returned payment fee | £12. |
| Foreign (non-sterling) transaction fee | 2.95%. |
| Minimum credit limit on new accounts | £500. |
Customer service
For help with applications, activation, managing the account or filing disputes, use Santander’s published customer channels:
- Telephone: 0330 9 123 123.
- Online support
Important disclaimers and final notes
Representative 24.9% APR (variable). All credit is subject to status. A full credit check will be made on application. Santander states they may withdraw this account at any time without giving notice. This information is provided for educational purposes and does not constitute financial advice. Credit card terms and product features may change; confirm the current terms on Santander’s official site before applying. Responsible credit use is recommended — consider repaying the balance in full each month where possible to avoid interest.
About the author
As a trained linguist, I produce content for various niches and target audiences. I'm communicative, inquisitive, and attentive to the fine details of language and communication. I take interest in all things expressive—be it texts, scripts, music, films or podcasts. I believe good ideas gain strength when they are well written and effectively directed.
