Santander Balance Transfer Card, 0% for 17 Months. (0.9% LOW Fee for the LIFE of the 17 months 0% Deal)!!
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Santander Balance Transfer Card, 0% for 17 Months. (0.9% LOW Fee for the LIFE of the 17 months 0% Deal)!!

23
Found 29th Jul 2014
Unlike the 33 month Barclaycard deal, where you need to transfer your existing debt within the first 60 days to get the 0% deal.
This card allows you to transfer a balance as many times as you like during the 17 months offer, allowing you to still get the 0% any time instead of just the first 60 days.

Points to note....

1 = You can only transfer up to your credit limit.
2 = 0.9% fee applies on EVERY transfer you make.

Fee savings compared to Barclaycard ....

Transfer £2000 to Barclaycard, fee 2.79% = £55.80
Transfer £2000 to Santander, fee 0.9% = £18.00

Obviously if you need the full 33 months of the Barclaycard then its better as it gives you more time, however if you can clear the balance sooner, and dont want to to pay as much in fees, then the Santander is ideal.

23 Comments

Original Poster

Darwa

Working link: … Working link: http://www.santander.co.uk/uk/credit-cards/low-balance-transfer-fee/



Sorry, forgot to check the link, cheers.

Love how they time the deal to end at Xmas when people wont have the money to pay the card off lol

As theres no cashback via Quidco/TCB, go via comparethemarket and get yourself a free meerkat if your application is accepted

comparethemarket.com/cre…er/

good deal bad company.was with abbey for years before this shower brought them

stevemack

Love how they time the deal to end at Xmas when people wont have the … Love how they time the deal to end at Xmas when people wont have the money to pay the card off lol



Great shout! Bankers are terrible!

woster

Great shout! Bankers are terrible!



Funk me, right?!

ONLY gives you 17 months at virtually 0pc!

stevemack

Love how they time the deal to end at Xmas when people wont have the … Love how they time the deal to end at Xmas when people wont have the money to pay the card off lol



It's been the same deal for ages so I can't see it being a deliberate ploy... Still something to bear in mind though I guess

Post Office credit card can shift existing card debts to it at 18mths 0% for just 0.7% if applied before tomorrow midnight...

post office better for me. 0.7% if applied for card before 31st July AND £40 quidco

Original Poster

vod

post office better for me. 0.7% if applied for card before 31st July AND … post office better for me. 0.7% if applied for card before 31st July AND £40 quidco



Yes 0.7% is a lower fee.

However, Balance transfers: 0.7% balance transfer fee applies. Transfers must be made within 3 months of account opening.
The main benefit of the Santander card is you can transfer as MANY times as you like from other cards over the 17 month period and take advantage of the 0% offer (with 0.9% fee each time), thus allowing you the option keep any spends on other cards the ability to flip them to 0% ie a big spend, without the need to apply for another credit card, and impacting your credit score.

applying for another credit card in 17 months time won't adversely effect your credit rating.

There are advantages to both obviously, I fully understand the benefits of both. as stated, for ME the post office is better. shift my entire balance onto a 0% card that will be cleared in that time frame, plus paid £40 via cash back negates the fee and gives me a profit!

However, if you are getting into that spiral that you suggested by continually flipping from multiple cards further down the line, you'd be better off getting your spending habits under control sooner rather than later.

Now if managed correctly like I'm sure you will (others may not), then it does have its benefits sure.

It is all circumstancial and one card is not best for all, we were merely giving other options without starting a new thread

Original Poster

vod

applying for another credit card in 17 months time won't adversely effect … applying for another credit card in 17 months time won't adversely effect your credit rating.There are advantages to both obviously, I fully understand the benefits of both. as stated, for ME the post office is better. shift my entire balance onto a 0% card that will be cleared in that time frame, plus paid £40 via cash back negates the fee and gives me a profit!However, if you are getting into that spiral that you suggested by continually flipping from multiple cards further down the line, you'd be better off getting your spending habits under control sooner rather than later. Now if managed correctly like I'm sure you will (others may not), then it does have its benefits sure. It is all circumstancial and one card is not best for all, we were merely giving other options without starting a new thread



Agreed.

Dont get one of these if you want to transfer the evil argos card, their not accepted.

Santander have been in the news today for refusing a UK burlesque troupe a bank account for moral reasons whilst at the same time investing over €100 million in the arms trade - hypocrites!

Does this mean if I transfer £1700 from my current credit card onto here it will be completely interest free for 17 months?

jennywade92

Does this mean if I transfer £1700 from my current credit card onto here … Does this mean if I transfer £1700 from my current credit card onto here it will be completely interest free for 17 months?



yep, you'll have to pay 15 quid balance transfer fee but after that, theres no interest charged (providing you meet the minimum monthly payment)

I was going to transfer my existing santander CC but they wont accept transfers from existing groups

My brother applied for this 2 weeks a go, hasn't heard a response at all get, weird

above link doesn't work had to go through google search. Anyone know if they strip the promo rate of 17 months off you if you miss a payment by mistake?

Yes.... Any promo card has that rule, late payments/missed payment generally remove the promo rate.... You can call them and I guess if you have a very good reason they may re-instate it but I've never put myself in that position ever and always setup a direct direct to make a minimum payment so it would never happen to me!

Sometimes the website doesn't give you an option to set up a direct debit under your confirmed your CVV number back of your card ONLY THEN can you setup a direct debit? I missed a payment on 1 card and I got a refund plus continued my promo rate but warned to setup a direct debit.

Thanks, got approved for this card today
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