Clear Debt Faster with Santander Everyday Long Term Balance Transfer Card, Interest-Free for 26 Months plus Cashback

Why choose the Santander Everyday Long Term Balance Transfer Card

The Santander Everyday Long Term Balance Transfer Card gives UK customers a clear route to reduce high-interest debt by offering 0% interest on balance transfers for 26 months. With no annual fee and cashback on everyday spending, it’s designed to help you pay off balances faster and keep more of your money in your pocket.

This card is particularly useful if you have multiple credit balances. Transfer them to one Santander card, benefit from the long interest-free period, and focus on a repayment plan without new interest stacking up.

Costs, rates and practical details

There is a 3% balance transfer fee (minimum £5) to consider, but the savings from 26 months at 0% often outweigh the fee for people who clear their debt within the offer period. After the introductory term, the representative APR is 23.9%, so the key is to use the interest-free window wisely.

The card also offers 0% on purchases for three months, a personalised credit limit from a minimum of £500, and a minimum income requirement around £10,500 per year. Set up a direct debit to avoid missed payments and potential charges.

Cashback, Santander Boosts and everyday benefits

Beyond balance transfers, the Santander Everyday Long Term Balance Transfer Card rewards ordinary spending. Santander Boosts gives you access to cashback offers, vouchers and retailer deals that can add up over time—particularly useful for regular supermarket and fuel spend.

To access these perks you’ll need to enrol in Santander’s online services. If you often shop with participating retailers, the cashback can offset part of the balance transfer fee and add extra value while you clear debt.

Using the card abroad and smart repayment tactics

Bear in mind foreign transaction charges apply—typically about 2.95%—so this isn’t the best card for heavy overseas spending. Avoid cash advances: they attract fees and higher interest immediately, eroding the benefits of your balance transfer.

Plan fixed monthly repayments that will clear your balance within the 26-month 0% term. Consider keeping older credit accounts open to protect your credit utilisation ratio, but close costly accounts if they carry annual fees that no longer make sense.

Ready to make the most of a 26-month 0% window? Compare offers, check eligibility with a soft search, and if Santander Everyday Long Term Balance Transfer Card fits your plan, apply online and start consolidating your debts. Prioritise a repayment schedule, enrol in Santander Boosts for extra cashback and avoid new purchases that could slow progress.