Balance transfers

You can apply to transfer a balance to your credit card online or over the phone. The minimum transfer is £1. You can transfer a balance of up to 95% of your available credit limit.

It normally takes 1 to 2 working days to move your balance across (in some circumstances it can take longer). The transfer may not show up in your next statement depending on when you applied.

Your transferred balance will show in the 'interest summary' table on your statement (we won't send a letter to confirm this).

If the transfer was part of a promotional offer, you'll get notifications in your statements before your offer is due to expire. You can also see your interest rate, offer duration and offer expiry date in the ‘interest summary’ table on your statement.