Pay Off Debt Faster with Santander Everyday Long Term Balance Transfer Card 0% for 26 Months, Cashback and No Annual Fee

Why the Santander Everyday Long Term Balance Transfer card stands out

The Santander Everyday Long Term Balance Transfer card gives you 0% interest on balance transfers for 26 months, no annual fee and the chance to clear costly credit card debt faster. With a representative APR of 23.9% after the offer, this card is tailored for people in the UK who want a clear window to reduce outstanding balances without ongoing interest piling up.

There is a 3% balance transfer fee (minimum £5), so it pays to do the maths: compare that one-off cost against the interest you would otherwise pay. You also get 0% on purchases for three months, which can help manage short-term spending while you focus on principal repayments.

How to make the most of the 0% balance transfer period

Plan a repayment schedule that clears as much of the transferred balance as possible within the 26-month 0% interest period. Setting a fixed direct debit to pay a consistent amount each month helps you hit the target without missing payments, which could cancel the promotional rate.

Use Santander’s eligibility tools for a soft check before applying to avoid hard searches on your credit file. Remember to include the 3% transfer fee in your budget and prioritise higher-rate debts first to maximise savings from the 0% interest period.

Cashback, Santander Boosts and everyday use

Alongside balance transfer benefits, the Santander Everyday Long Term Balance Transfer card offers cashback via Santander Boosts with selected retailers, sometimes up to 15%. Enrolment in Santander’s online banking and Boosts programme unlocks vouchers, offers and prize draws that add value to everyday spending.

Bear in mind foreign transaction fees of 2.95% on overseas spending and a 3% cash advance fee for ATM withdrawals, which attract high interest. For travel or frequent foreign spending, consider pairing this card with a no-foreign-fee card to avoid extra charges.

Costs, eligibility and smart credit management

Eligibility typically requires a minimum annual income of around £10,500 and personal circumstances will determine your credit limit, with a minimum possible limit of £500. Minimum payments are usually 1% or £5, whichever is greater, plus any charges, so aim to pay more than the minimum to reduce principal during the interest-free term.

Decide whether to close old accounts after transferring a balance; keeping them open can help your credit utilisation and average account age, which benefits your credit score. Use the Santander Everyday Long Term Balance Transfer card strategically: avoid new high-cost borrowing, focus on repayment during 0% and review your options when the representative APR applies.