• When you apply, you can transfer from up to 5 credit or store cards. (Want to transfer from more cards? After you get your new balance transfer card, just give us a call.)
• You can transfer up to 95% of your credit limit on your new card. (Your credit limit is the max you can borrow on your card at any one time.)
  
  To find out your credit limit, get a quote
  It takes minutes and won't affect your credit score.
  

Maybe – some of our cards have a fee, others don't:

• If our credit card has a balance transfer fee, it will clearly say.
• A balance transfer fee is a charge to move debt onto a new card.
• The fee is usually a percentage of the card debt you're moving.
• When you apply for a card, we'll tell you how much this fee is in pounds and pence.
• It's then up to you if you want to go ahead.
• If there's a fee, you don't have to pay it upfront. We'll add it to your new balance.

Yes – you still need to make at least the minimum monthly payment

Top tips:

• Always make at least the minimum payment on time – a zero interest offer means you won't be charged interest. But you still need to pay at least the minimum.
• Pay more if you can – it's a good idea to pay off your balance before your 0% offer interest ends, so you won't pay interest.

What happens when the promotional balance transfer period ends?
After your 0% offer ends, you'll pay standard interest rates on any balance. 

Can I make additional balance transfers later?
To get your 0% offer, you must move debt to your new card within the first 3 months of opening your account.

You can move up to 95% of your credit limit. 

It depends...

If you get a balance transfer card, you could:

• Pay less interest.
• Have just one monthly payment. 
  

But you need to consider:

• The cost of any balance transfer fee.
• If you can clear the balance before any introductory 0% offer ends.

Still not sure which credit card is best for you?

Check out all our credit cards 

With a balance transfer credit card, you could:

• Roll your debt onto one card.

• Have one monthly payment.

• Pay less interest.

• Pay off debt faster.