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Santander Balance Transfer

Santander Balance Transfer

The longest 0% Santander balance transfer offers, are now no longer available, to new card customers in the UK.

In 2022, there were Santander balance transfer offers available to UK customers with an introductory rate of 0% for 33 months on balance transfers, from the date of account opening.

The length of the 0% introductory deals available on balance transfer have been shortened over the last couple of years. Now, in the UK in 2024, the Santander credit card has a 0% introductory offer period which is also shorter.

Santander 0 Balance Transfer


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Balance Transfers:
0% for 15 months
Balance Transfer Fee:
0%
Purchases:
0% for 15 months
Representative APR:
29.8% APR (variable)
  • 0% interest on balance transfers for 15 month from account opening
  • 0% balance transfer fee
  • 0% interest on purchases for 15 month from account opening
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad in local currency
  • Cashback through Retailer Offers
  • Monthly Fee: £3
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £10,500 per year or more
  • You are at least 18 years of age
£3 monthly account fee
Representative Example: 29.8% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable) with a monthly fee of £3 payable
No balance transfers allowed to this card from Santander credit cards

The above Santander 0 balance transfer offer has remained the same since November 2022. However, the standard annual APR interest rate charged by the card has increased, since then.

The withdrawal of the longer Santander balance transfer credit card deals, has also had the effect of reducing the overall number of UK cards available with very long 0% introductory offers.

Other UK credit card issuers, including Sainsbury’s, Barclaycard and Virgin Money have also withdrawn their longest balance transfer card offers from the UK market.

These cards were often withdrawn after warnings from the Bank of England about the high levels of consumer lending. The recent Coronavirus pandemic, and the current cost of living crisis, has also reduced the number of very long balance transfer card offers.

Santander Balance Transfer Offers For Existing Customers

Santander, like all the other UK credit card issuers, do not allow balance transfers from existing customers. You can not transfer a balance from one card to another issued by the same company.

As a result, an existing customer with a Santander credit card cannot make a transfer to another Santander credit card, in the UK. This means that customers who already have a Santander credit card cannot benefit form the current 0% offers, available from Santander.

There are however a number of Santander balance transfer offers for existing customers available. These 0% deals and offers are available from many of the other UK credit card companies.

All of the following featured cards will accept a balance transfer from an existing Santander credit card customer:-

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Santander Credit Card Balance Transfer

There are still a small number of Santander 0 balance transfer offers available. However these remaining Santander transfer offers, do now offer UK customers a shorter introductory 0% offer.

For the remaining Santander 0% balance transfer deals, there is one other factor to be aware of. The Santander All in One credit card with it’s 0% transfer offer, now has a monthly account fee of £3.

Very few of the interest free balance transfer credit cards currently available, in the UK, charge a monthly, or annual fee. Cards with monthly, or annual fees, are often very unpopular with customers, because of the ongoing fees.

Almost all of the most popular 0% balance transfer credit cards available in the UK, do not currently charge monthly or annual fees, simply for having the card.

Santander Credit Card Offers

A number of other Santander credit card offers are also no longer available to new UK customers.

The Santander 123 credit card had previously offered customers up to 3% cash back. However this card has also now both been withdrawn form the UK card market. As a result it is no longer available to new customers.

Santander is the name for the bank which was previously known as Abbey, in the UK. The bank also includes the former Bradford & Bingley and Alliance & Leicester building societies.

Santander, like several other UK banks, now no longer offer their very long 0% transfer credit cards. However, a number of other UK credit card companies do still offer competitive 0% offers and deals.

All of the UK card companies mainly use 0% balance transfer offers to attract new customers. Currently, there is still healthy competition ongoing for new card customers.


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Published: March 15, 2024, Updated: March 15, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily