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Balance transfer credit cards

Save money by paying less interest on your outstanding balance when you choose one of our balance transfer credit cards.

Choose the right balance transfer credit card for you

Check if you’ll be accepted, without affecting your credit score

Get an answer in 60 seconds, with no commitment to apply

0% interest on balance transfers for up to 18 months

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Get text and email reminders when your statement is ready and a payment is due.

Easy payments with Direct Debit

Choose to make your monthly payments on a date that suits you when you pay by Direct Debit.

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Stay in control on the go

Our mobile app lets you track your spending and make secure payments anytime, anywhere.

How a balance transfer credit card works

A balance transfer credit card lets you move an existing balance from one credit card to another.

They usually come with lower interest rates than regular credit cards, and can offer 0% interest for a fixed number of months when you first get the card.

The lower your interest rate, the less interest you pay – so a balance transfer credit card could help you save money and pay your balance off sooner. Especially if you plan to pay off your balance before the 0% interest offers ends.

Just remember to always pay at least the minimum payment each month to keep your account up to date. Paying more than the minimum will help you clear your balance quicker.

5 things you should know about balance transfer credit cards