If you’re looking to pay down existing card debt without adding more interest, the Santander Everyday Long Term Credit Card remains one of the most attractive balance transfer options in the UK for 2025. With up to 31 months 0% interest on balance transfers and no annual fee, it’s ideal for borrowers who need breathing space to clear their balances at their own pace.
💡 Key Benefits
- 0% interest on balance transfers for up to 31 months from account opening
- 0% interest on purchases for the first 3 months
- £0 annual fee – keep your costs down while repaying
- Balance transfer fee from 3% (varies by offer)
- Credit limit up to £6,000 (subject to status)
- Mobile app and online banking access for easy management
- Eligibility checker available – find out if you’ll be accepted without affecting your credit score
🎯 Who This Card Is Best For
The Santander Everyday Long Term Credit Card is designed for:
- UK residents with good to excellent credit looking to consolidate balances
- Borrowers wanting the longest possible 0% period for repayments
- Anyone who prefers no annual fee and a trusted high-street lender
- Consumers confident they can pay off transferred balances before interest kicks in
If you tend to carry balances month-to-month, this card helps reduce interest pressure — provided you stay within the 0% window.
⚙️ How It Works
- Apply online via Santander’s secure application form.
- Use the soft-search eligibility tool to check your chances before you apply.
- Transfer your existing credit card debt within 60 days of opening.
- Pay monthly to clear your balance during the 0% period.
- Avoid new purchases after the 3-month purchase period to keep repayments simple.
💬 Tip: Always set up a Direct Debit for at least the minimum payment to maintain your 0% rate and protect your credit score.
📊 Comparison Table – 2025 0% Balance Transfer Market
| Credit Card | 0% BT Duration | BT Fee | Annual Fee | Purchase APR (after intro) | Ideal For |
|---|---|---|---|---|---|
| Santander Everyday Long Term | Up to 31 months | From 3% | £0 | 23.9% variable | Long-term repayment |
| Barclaycard Platinum 0% BT | 29 months | 3.45% | £0 | 24.9% variable | Slightly shorter 0% period |
| Halifax 0% Balance Transfer | 29 months | 2.99% | £0 | 24.9% variable | Low BT fee |
| Sainsbury’s Bank No Fee BT | 24 months | 0% fee | £0 | 23.9% variable | Fee-free transfer option |
Representative example for Santander Everyday Long Term: 23.9% APR (variable), 23.9% p.a. (variable) on purchases, assumed credit limit £1,200.
👍 Pros & 👎 Cons
Pros
- One of the longest 0% balance transfer periods in the UK
- No annual fee
- Trusted high-street bank
- Quick online eligibility check
- Access to Santander Online & Mobile Banking
Cons
- Balance transfer fee (3%) applies
- Must complete transfer within 60 days to secure promo
- High revert APR after 0% period
- Not ideal for those with poor credit
🔍 Expert Insight
While many lenders trimmed their 0% offers this year, Santander’s 31-month deal remains among the most generous on the UK market. However, the 3% transfer fee can add up on large balances — for example, transferring £3,000 means an upfront fee of £90. Still, if you spread repayments evenly over 31 months, the total savings on interest can easily exceed £500 compared to a 23.9% APR card.
For best results, divide your balance by 31 to find your target monthly payment and clear it before the promotional period ends.
🚀 See If You Qualify
You can check your eligibility online in minutes — it’s a soft check that won’t affect your credit score.
If you’re pre-approved, you’ll see your credit limit and transfer options before you decide to go ahead.
👉 Check your eligibility for the Santander Everyday Long Term Credit Card now
