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Santander Balance Transfer

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

Santander Balance Transfer

The previous Santander balance transfer offers were available to UK customers with an introductory rate of 0% for 39 months on balance transfers, from the date of account opening. This Santander credit card had a representative rate of 21.7% APR variable, after the end of the introductory offer period.

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

Other UK credit card issuers, including Sainsbury’s, Barclaycard and Virgin Money had also withdrawn their longest balance transfer card offers from the UK market.

These cards were withdrawn after warnings from the Bank of England about the levels of consumer lending. The current Coronavirus pandemic has also reduced the number of long 0% introductory offers.

Santander Credit Card Balance Transfer

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

For the remaining Santander 0% balance transfer deals, there is one other factor to be aware of. The Santander credit card with the longest 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 popular 0% balance transfer credit cards available in the UK, do not currently charge monthly or annual fees, simply for having the card.

Santander Balance Transfer Offers For Existing Customers

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

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:-


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Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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
More Information

Application Criteria

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
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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
More Information

Application Criteria

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
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
34.9% APR (variable)
More Information

Card Details

Capital One Balance Transfer
  • 0% on balance transfers for up to 18 months
  • 3% balance transfer fee
  • 0% on purchases for 3 months
  • Credit limit up to £86000
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Capital One Balance Transfer
  • You are a UK resident
  • You have had credit cards in the past
  • You are a home owner
  • You have an income of more than £20,000 per year
  • You are aged 18 or over
More Information
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards

Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 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
More Information

Application Criteria

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
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards

The Santander 123 credit card had 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 the most competitive 0% transfer credit cards. However, other UK credit card companies do still offer long competitive 0% offers and deals.

The card companies use 0% balance transfer offers to attract new customers, and this competition is still ongoing for new card customers.


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Published: August 9, 2021, Updated: August 9, 2021 by Balance Transfer Expert

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