Santander Everyday No Balance Transfer Fee Credit Card review 2022

A competitive balance transfer deal with a few extras bolted on.

Enjoy an 21-month interest-free period on your existing credit card debt when you bring it across to Santander. Plus there’s no fee to transfer your balance.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

21 months

0% interest on balance transfers


Balance transfer fee


Representative APR


Account fee


Annual/monthly fees£0
Balance transfers0% for 21 months reverting to 21.9%
Balance transfer fee0% for 21 months reverting to 3% (min. £5)
Purchases0% for 3 months reverting to 21.9%
Purchases interest-free periodUp to 56 days
Cash advances29.9%
Minimum credit limit£500
Maximum credit limitNot specified
Additional cards available3
Additional Rewards InfoEarn up to 15% cashback with your selected Retailer Offers at selected major retailers.

Review by

Chris Lilly is a publisher at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Primarily a no-fee 0% balance transfer offer, Santander’s Everyday Card buys you a 21-month break from interest to focus on clearing your card debt.

If you anticipate adding to your card debt in the short term, then you’ll also benefit from 3 months of 0% interest on purchases. After this point, anything you’ve paid for using the card will start to accrue interest at the card’s less-appealing standard rate of 21.9%. Card issuers are obliged to direct your monthly payments towards the most expensive parts of your balance first and foremost, so when that 3 months is up, your monthly repayments will go towards paying off any balance accrued since taking the card out.

If you opt for this card, be sure to opt into the Retailer Offers scheme as soon as you can (you can do this in your online/mobile banking), to enjoy cashback from major retailers.

Pros and cons of the Santander Everyday Credit Card


  • Over a year of 0% interest to focus on reducing existing card debt
  • Three months to spread the cost of purchases
  • No balance transfer fee
  • No annual fee, unlike the Santander All-in-One card
  • Up to 15% cashback through Santander's Retailer Offers scheme
  • Competitive APR


  • Minimum annual income requirement of £7,500
  • Applicants with low credit scores are unlikely to be eligible
  • There are other longer 0% purchase and balance transfer deals available

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through Santander's app, by logging in to your online banking or over the phone(0800 912 3123). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 21 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

The verdict

As the name suggests, the Santander Everyday Credit Card is something of a jack-of-all-trades, with an emphasis on an extended 0% balance transfer period. While there are certainly longer 0% periods available, the 18 months offered by this card should be more than adequate for most situations and you’ll also get a range of other perks from a 0% purchase period, low rate and cashback offer.

And with no annual fee, you can keep your costs extremely low, provided you always pay off your balance in full each month.

Eligibility criteria

To be eligible for the Santander Everyday Credit Card, you’ll need to meet the following criteria:

  • Be at least 18 years old
  • Be a UK resident
  • Have a guaranteed annual income of at least £7,500
  • Have good credit
  • Not declared bankruptcy or had a CCJ or IVA within the last six years

If you already have a red Santander credit card, you’ll also be unable to apply for the Santander Everyday Credit Card.

How to apply for the Santander Everyday Credit Card

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for the Santander Everyday No Balance Transfer Fee Credit Card. This won't impact your credit score. If it's good news, you can then proceed to Santander's online application, which takes 10-15 minutes to complete. You can request a balance transfer as part of your application.

You’ll need to provide the following information and documents as part of your application:

  • Your name and address
  • Your date of birth and nationality
  • Personal ID, such as a driving licence
  • Proof of address, such as a bank statement or utility bill
  • Proof of income and employment

Frequently asked questions

What credit limit will I get with the Santander Everyday No Balance Transfer Fee Credit Card?

If Santander is able to offer you this deal, the offer will specify a personalised credit limit based on Santander's assessment of your situation. The minimum limit offered on this card is £500 and Santander does not specify a maximum. Once you've had the card for a while and shown Santander that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the Santander Everyday No Balance Transfer Fee Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Santander Everyday No Balance Transfer Fee Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 29.9%, which is 37% more than the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

What should I do with my old credit card after transferring the balance to the Santander Everyday No Balance Transfer Fee Credit Card?

Transferring a balance doesn't automatically close your old account. In most cases, you'll want to close the old account(s) straightaway, especially if they have an annual/monthly fee or if you might be tempted to use them in the future. There is an argument that you should keep the old account open to help your credit score. That's because doing so keeps your "credit utilisation ratio" lower (that's a measure of how much credit you're using compared to what's available to you), and helps the average age of your credit accounts. However, unless you're just about to apply for a new mortgage, it's probably fair to say that most people would prefer to have no more bank accounts open than was truly necessary.

How much does it cost to use the Santander Everyday No Balance Transfer Fee Credit Card abroad?

Non-sterling transactions are subject to a 2.95% charge. For example, if you spend 200 euros (£178.81), it'll cost you around £5.27 in fees.

What is the minimum payment on the Santander Everyday No Balance Transfer Fee Credit Card?

Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires.

What fees will I pay?

There is no annual or monthly fee on the Santander Everyday Credit Card, but you may need to pay a fee if you make a late payment, exceed your credit limit or when using your card overseas or for a cash advance. Find out how these fees work here.

How does the Santander Everyday Credit Card cashback scheme work?

The Santander Everyday cashback scheme lets you earn up to 15% cashback through Santander’s Retailer Offers service. This service can be accessed through Santander’s online and mobile banking, and means you can get cashback on purchases at participating retailers like Subway, Morrisons and Costa Coffee.

How do I join Santander Retailer Offers?

You can switch on Retailer Offers using the Santander mobile banking app or via your online banking account. You’ll need to join within 60 days of activating your card.

How does my interest-free period work?

For the first 3 months, you’ll pay no interest on purchases you make using your card. If you choose to transfer an existing card balance onto the Santander Everyday Credit Card, you’ll also have 21 months to pay it off without being charged interest.

What happens if I change my mind?

If you decide you no longer want your Santander Everyday Card, you can return it within 14 days of receiving your card and your account will be closed. You will still need to pay off any outstanding balance, as well as interest, within 30 days.

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score balance transfer cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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  1. Default Gravatar
    November 22, 2019

    Can I transfer more than one balance?

    • Avatarfinder Customer Care
      December 3, 2019

      Hi Tracy,

      Thanks for getting in touch. In answer to your question, yes, you can transfer more than one balance to the Santander Everyday credit card. However, you can only transfer balances of £100 or more, and can only transfer up to 95% of your credit limit. You also can’t transfer balances from other Santander or cahoot credit cards, or from any loan or current account.

      It’s also worth keeping in mind that at the end of your 0% interest period, a 3% balance transfer fee will apply on any new balance transfer. Interest will also be charged on your outstanding balances and additional balance transfers, at a standard rate of 18.9% p.a.

      I hope this helps, but please let me know if you have any other questions.



  2. Default Gravatar
    March 25, 2019

    Can I get a credit card

    • Avatarfinder Customer Care
      March 26, 2019

      Hi Tracey,

      Thanks for getting in touch! To know how to get a Santander credit card, the basic requirements lists:

      1. Minimum age of 18
      2. Minimum income £7,500
      3. UK Resident

      To apply, complete the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

      Hope this helps!


  3. Default Gravatar
    January 9, 2019

    I am a existing everyday credit card customer. Can I balance transfer to my card? What offers are there for existing customers or is the 27 month deal just for new customers? Thanks.

    • Avatarfinder Customer Care
      January 10, 2019

      Hi Kenneth,

      Thanks for reaching out to finder.

      The 0% balance transfer fee for 27 months and other features on the Santander Everyday credit card featured above, only applies to new applications made from 13 January 2018.

      You need to contact Santander Bank to inquire about any balance transfer offers they have available for existing Santander Everyday credit card holders like you.

      I hope this helps.


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