Santander Everyday No Balance Transfer Fee Credit Card

Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,500 |
UK Resident |
You could save money by getting a balance transfer credit card with a low APR or even 0% interest period.
without affecting your credit score
You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
1
Find out what you owe
Add up your existing credit card debt, including the interest rates you're being charged.
2
Compare balance transfer credit cards
See what cards are available to move some - or all - of that debt to. Our card finder tool will let you see which ones you're likely to be accepted for.
3
Apply for a balance transfer credit card
You can fill out an application. After that it can take up to a week or more to hear back on whether you've been accepted.
4
Make the transfer and start paying off your debt
Once your application has been accepted, make your transfer in the first 90 days of getting the new card. Once your balance has been transferred you can start making payments.
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,500 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
We are classed as a credit broker for consumer credit, not a lender.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
Balance transfer credit cards are designed to let you move existing debt from one provider to another and ideally pay less or no interest on that debt.
A 0% balance transfer credit card, allows you to pay no interest on your balance for a certain period. The best 0% balance transfer credit cards offer no interest for more than two years, no fees to pay up front, and sometimes come with rewards like vouchers or loyalty points for signing up.
When used right, a balance transfer card helps you clear your debt faster because your repayments all go towards paying off your debt, rather than interest.
The longest 0% deals are only available to people with excellent credit records - although cards with shorter interest-free introductory periods are available to far more people.
If you have accumulated credit card debt and want to pay it off quicker or avoid paying interest, then a balance transfer is one way to do it.
Thanks to the 0% interest deals on offer, you can move either all - or a lot - of your existing debt to a new balance transfer credit card, which either won't charge any interest, or a lot less interest on your balance.
But keep in mind that if you miss a payment you could lose your 0% rate, seeing you pay interest on the balance again, as well as incurring fees and a black mark on your credit report.
It's also important to be aware that you can't transfer a balance between cards from the same bank/provider. For example, if you have a Natwest credit card, you can't transfer the balance to a Natwest balance transfer card.
Balance transfer cards can save you significant money on interest charges - but missing a payment invalidates all their benefits. So setting up a direct debit to cover at least the minimum payment each month is a good idea.”Salman Haqqi (personal finance expert), Personal Finance Editor
The interest rate usually increases sharply to what is known as the Standard Variable Rate (SVR) or the 'revert rate'.
If you paid your balance in full: You have nothing to worry about. You can either cancel the card, or keep it to make purchases in the future.
If you still have a partial balance remaining: You could opt to get another 0% balance transfer card for the remaining balance and pay it off without paying interest
Be aware that even if you partial balance remaining by the end of the interest-free period, you will still be charged interest on the original balance of the card. For example, if you transferred a balance of £2,000, and you pay off £1,500 of the balance by the end of the interest-free period. The interest you are charged on the remaining £500 will actually be calculated using the original £2,000 balance.
Some credit cards will charge what is known the balance transfer fee. This is either a flat fee or a small percentage of the amount you want to transfer. This usually added to your balance.
For example, if you make a balance transfer of £2,000 to a credit card with a 2% balance transfer fee, it would cost £40, making your total transferred balance £2,040.
The balance transfer fee typically ranges between 1% and 5%. Some providers will also charge a set fee if you have a small balance to transfer.
You may be offered a balance transfer credit card with a fee of 2.9% or a £5 minimum. If you want to transfer £150 to this card, 2.9% of your transfer amount is only £4.35, so you would have to pay the £5 minimum.
without affecting your credit score
You can transfer a balance from one person's credit card to another. But taking on someone else's debt can be risky.
Read MoreKnowing how to manage your credit card can help you get the most out of it and save money. This is how to make using your new card hassle free.
Read MoreBalance transfer credit cards allow you to move debt from one card to another. The new card may have 0% interest rate, so you can clear your debt quicker.
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Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
¹Current longest 0% interest balance transfer period offered by providers on our panel.
Last updated: 2 February, 2022