Credit card interest rates

Whenever you use your card to obtain cash (for example, from an ATM), or for gamblingCashback you will pay a specific ‘cash advance’ rate of interest for those specific transactions.

The annual cash advance rate for cash withdrawals is the same as your ongoing purchase APR.

We work out interest on the average daily balance of cash advance transactions during each month, which is then charged to your account on your statement date.

Interest is charged on cash advance transactions from the day they are made, even if you pay your balance in full on your payment due date.

You can check your cash advance interest rate in the “Interest Summary Table” in your statement.

Please note that fees may apply to cash advances.

We charge interest on purchases in a foreign currency at your usual rate of interest once any interest free period has ended. You can find your specific rate in the ‘Interest Summary Table’ in your statement.

We work out interest on the average daily balance of purchases during each month, which is then charged to your account on your statement date.

If you use your card to obtain cash in a foreign currency (for example, from a Bureau in the UK or from a cash machine abroad), or for gamblingGambling you will pay the ‘cash advance’ rate of interest for those specific transactions.

The annual cash advance rate for cash withdrawals is the same as your ongoing purchase APR.

Interest is charged for cash advance transactions from the day they are made, even if you pay your balance in full on your payment due date.

Please note that fees may apply to foreign currency transactions.

Once any interest free period offers have ended, we charge interest on balance transfers at your ongoing rate.

Depending on your circumstances and which card you apply for, the annual interest rate will be between 19.9% and 24.9% APR if your application is successful.

Interest is charged on balance transfers from the day of transfer, even if you pay your balance in full on your payment due date.

You can check your balance transfer interest rate in the “Interest Summary Table” in your statement.

Please note that fees may apply to balance transfers.