How to Apply for your Santander Everyday No Balance Transfer Fee Credit Card

Santander was established way back in 1857 as a global bank. Globally, the bank is well known as a customer-centric financial institution with robust community initiatives. In the UK, Santander offers many financial services, such as credit cards and personal loans, mortgages, and more. Drivers of affordability, simplicity, and innovation have always driven a place of trust and credibility, Santander.

Beyond financial products, it actively supports educational and environmental initiatives and promotes financial literacy across the communities it serves. Santander’s Everyday No Balance Transfer Fee Credit Card similarly reflects this value in offering a plain, low-cost solution for budgetary-conscious individuals requiring easy credit.

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Benefits of the Santander Everyday No Balance Transfer Fee Credit Card

Here are the main benefits of the Santander Everyday No Balance Transfer Fee credit card:

1. 0% interest on balance transfers: Enjoy 0% interest on balance transfers for 12 months after opening the account, allowing you to ease debt from other cards without additional interest during the promotional period.
2. No balance transfer fee for the first 12 months: There are no fees for transferring a balance to the card within the first 12 months, making it ideal for consolidating debt and saving on fees.
3. 0% interest on purchases: For the first 3 months, purchases made with the card also have a 0% interest rate, giving you more financial flexibility initially.
4. No annual fee: No annual maintenance fee, making the card more affordable for those who want to save on yearly charges.
5. Santander boosts: Earn rewards, cashback, vouchers, and participate in prize draws by using the card. Offers are personalized and can be accessed through Mobile or Online Banking.
6. Up to 56 days interest-free on purchases: If the balance is paid in full each month, no interest will be charged on purchases for up to 56 days.
7. Add up to 3 additional cardholders: You can add up to 3 additional cardholders, with control and responsibility for the use and payment of each supplementary card.
8. Account alerts: Receive notifications to monitor your credit limit usage and avoid additional fees.
9. Security and control: With the Santander app, you can view your PIN, freeze your card if lost, and block certain transaction types, enhancing security.

These benefits make the card a good choice for those looking to consolidate debt with favorable balance transfer terms, as well as earn rewards and enjoy convenience without annual fees.

Eligibility criteria

Before applying, it’s essential to check if you meet the following requirements:

• UK resident, aged 18 or older: Only UK residents above 18 are eligible.
• Annual income requirement: Applicants need a minimum income of £10,500 annually.
• Santander card restrictions: Applicants should not already hold another Everyday credit card from Santander.

Additionally, applying for this credit card is subject to status and credit checks.

These prerequisites ensure that the card is suited for those with financial stability, while the restrictions prevent duplicative applications for Santander credit products.

Who is this credit card for?

This card is ideal for those seeking to manage their finances efficiently by offering balance transfers with no fee and zero interest for a set period. It also provides interest-free purchases for a few months. The card has no annual fee, making it more cost-effective for users.

Additionally, it offers cashback rewards and access to personalized offers through the Santander Boosts program, providing discounts and exclusive deals from a variety of retailers.

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Pros and cons of the Santander Everyday No Balance Transfer Fee Credit Card

Pros

• There is no balance transfer fee with a 0% interest rate on balance transfers for 12 months
• 0% interest on new purchases for three months that help create space in place of the first expenses
• There are no monthly fees charged; this would be ideal for cutting costs for users
• The mobile app is accessible; one would enjoy a smooth and secure account.
• The Santander Boosts program offers personalized offers and benefits such as cashback and discounts at various stores.
• If the balance is paid in full each month, there is no interest charged on purchases for up to 56 days.

Cons

• Short promotional period of 12 months at 0% interest. After that, the users need to have a regular payment schedule planned.
• A minimum income of £ 10,500 is required for this credit card. Therefore, it would not be within the reach of applicants with unstable incomes.
• There is no points-based incentive system; however, cashback rewards exist through Santander Boosts.

This could appeal to users interested in budgeting and straightforward credit solutions; however, other cards might be more suited to filling this bill for those seeking to use long-term 0% interest periods or traditional rewards programs.

How to apply for the Santander Every Day No Balance Transfer Fee Credit Card

The application is pretty simple, and applicants can follow the steps for an easier process:

• Check eligibility: Use Santander’s eligibility checker on their website to find out if you are eligible. The tool performs a soft credit check to help you determine your likelihood of getting approved without impacting your credit score.
• Fill out the application form: Visit the Santander website and complete the application form. To complete this form, ensure that all personal and income information is correct so processing won’t be delayed.
• Submit your application and await approval: Santander will do a credit check to determine your eligibility once your application has been submitted. Approval periods vary; therefore, if you want to know the status of your application, just refer to Santander’s website.
• Activate your card: If your application goes through, you can activate your card using the Santander mobile app or call customer support. Activation is easy and ensures your card is available for you to use.
• Transfer balances and start spending: Your new Santander card allows you to transfer balances from other credit cards and purchase anything in sight.

How to activate your vard

Getting started with your Everyday No Balance Transfer Fee Credit Card doesn’t take long. Simply:

• Download the Santander Mobile App: The app is available on iOS and Android and offers access to many of the same account management tools whenever you need them.
• Login and complete activation: Log in using your provided credentials and then follow the instructions to activate.
• Contact customer support (if necessary): If you have an issue during activation,

Santander offers customer support if you are not successful in the process online.

Fees and tariffs

Knowing what charges are placed on the Santander Everyday No Balance Transfer Fee Credit Card is fundamental to budget planning:

• Standard APR: After the introductory period, a variable purchase APR of 23.9% and balance transfer APR will apply.
• Balance transfer fee: For the first year, no fee applies to balance transfers, making this credit card highly effective for transferring existing debts.
• Monthly account fee: This does not incur any monthly fee, hence low maintenance costs.

The fee nature is pretty straightforward, and the card has nothing else to be wary of. In any case, as a precaution, the after APR should be considered as soon as the 0% offer period is over. See another rates.

Customer service and support options

Santander has various avenues through which you can get help with your accounts:

• Help center and FAQs: Santander’s website has detailed help centres and FAQs that answer common questions.
• Mobile app support: The Santander mobile application also provides its customers with some support features. Some of these features are chat features in case a customer wants to resolve any query and some account management services.

For further information, check out Santander Support on their official webpage- troubleshooting and questions abound.

Final thoughts: Is the Santander Everyday No Balance Transfer Fee Credit Card right for you?

The Santander Everyday No Balance Transfer Fee Credit Card would suit anyone who wants a no-nonsense approach to credit. No balance transfer fee, the initial 0 per cent which applies on transfers and purchases on top of no monthly fee, makes it one of the cheapest solutions for everyday use.

Features such as the Santander mobile app and Santander Boosts add convenience and rewards, which makes it a perfect fit for people wanting to have their affairs both simple and accessible.

While the 0% period is a little confined, what is up for grabs in the card’s benefits offsets this little constraint, and for a budget-conscious UK citizen, it is more than just wise to have.

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