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Balance transfer

Looking for a balance transfer card that lets you regain control of your debt?

  • 0% balance transfer rates (transfer fee applies)
  • Enjoy the additional benefits that come with a Barclaycard

 

 

Products

Barclaycard Platinum Purchase Visa

Barclaycard Platinum 31 month balance-transfer card 

  • 0% interest on balance transfers for 31 months from account opening (with a 2.99% transfer fee)
  • A fee of 3.5% will be applied, then reduced to 2.99% by a refund
    ( terms and conditions apply )
  • 0% interest on purchases for 6 months from account opening 
If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate for 6 months has expired, unless you repay your entire balance in full each month.
Representative
example
Representative APR
18.9% APR
(variable)
Purchase Rate pa
18.9% pa
(variable)

Assumed Credit Limit
£1,200
(variable)

Subject to application and status. The terms of your product may differ from the example.

 

Barclaycard Platinum Purchase Visa

Barclaycard Platinum 30 months balance-transfer card 

  • 0% interest on balance transfers for 30 months from account opening (2.89% transfer fee applies)
  • A fee of 3.5% will be applied, then reduced to 2.89% by a refund
    ( terms and conditions apply )
  • 0% interest on purchases for 6 months from account opening 
If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate for 6 months has expired, unless you repay your entire balance in full each month.
Representative
example
Representative APR
18.9% APR
(variable)
Purchase Rate pa
18.9% pa
(variable)
Assumed Credit Limit
£1,200
(variable)

Subject to application and status. The terms of your product may differ from the example.

 

Barclaycard Platinum Purchase Visa

Barclaycard Platinum with balance transfer and purchase offer  

  • 0% for 14 months on purchases and 0% for 18 months on balance transfers (2.49% handling fee applies)
  • A fee of 2.9% will be applied, then reduced to 2.49% by a refund
    ( terms and conditions apply )
If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate for 14 months has expired, unless you repay your entire balance in full each month.
Representative
example
Representative APR
18.9% APR
(variable)
Purchase Rate pa
18.9% pa
(variable)
Assumed Credit Limit
£1,200
(variable)

Subject to application and status. The terms of your product may differ from the example.

 

 

Barclaycard Platinum Purchase Visa

Barclaycard Platinum 18 months balance transfer card  

  • 0% interest on balance transfers for 18 months from account opening (with a 2.9% transfer fee)
  • 0% interest on purchases for 3 months from account opening
If you have a balance transfer, you’ll pay interest on all purchases made once the 0% purchase rate for 3 months has expired, unless you repay your entire balance in full each month.
Representative
example
Representative APR
24.9% APR
(variable)
Purchase Rate pa
24.9% pa
(variable)
Assumed Credit Limit
£1,200
(variable)

Subject to application and status. The terms of your product may differ from the example.

 

Additional benefits

  • Online account services – sign up to mybarclaycard to keep track of your account*
  • Purchase Delivery Protection – use your Barclaycard when purchasing products and services from UK retailers and you’re protected if your delivery is lost or damaged
  • Emergency help – we offer replacement cards and emergency cash advances, depending on the money in your account. If you’re abroad, you can count on our Worldwide Assistance team to help you, 24 hours a day
  • Free text alert service
  • Contactless payment – you can make fast, easy and secure payments of £20 and under in seconds, wherever you see the contactless symbol
* You’ll be notified by email each month when your statement is ready to view online. If you prefer, you can opt to receive paper statements at any time by selecting the option in ‘Your settings’ in your online account services.

Balance transfer guide

  • Get a break from paying higher interest rates – when you move your debt from one credit card to another you could take advantage of interest-free periods or long-term low rates
  • Even with a transfer fee to pay, balance transfer cards may work out cheaper in the long run

Our range of balance transfers offer customers without an existing Barclaycard an interest-free rate on their debt. All our deals require you to pay a one-off handling fee when you do the transfer.

 

Got a question?

 

  • How balance transfers work

    Moving your existing debt from store cards and other sources onto a new credit card could be a way for you to save some money. This is known as a Balance Transfer. Balance Transfer cards are usually available with either a 0% interest rate or a low rate that could help you pay off your debt faster.

  • How do I find the right balance transfer card to suit my needs?

    It all depends on how much debt you have and how quickly you are able to repay it. Taking into consideration your current financial situation, you could find the right balance transfer offer may get you to your goal faster.

  • When can I transfer a balance?

    You can transfer a balance to us at any time within the first 60 days from the date of your application.

  • Do you have limits on how much I am able to transfer?

    If you already have a Barclaycard, you’ll have to transfer at least £100. If you’re a new customer, the minimum amount is £250. The maximum amount varies depending on which credit card you’ve applied for.

  • What are the rates of interest that I might pay?

    This all depends on the type of balance transfer deal that you decide upon. We regularly offer interest-free or promotional balance transfers that apply until your balance is paid off or until our fixed offer period ends. There may be a handling fee to pay when you make a balance transfer , which is usually a percentage of the amount you transfer but this is dependent upon the card you take out.

  • Can I transfer a balance online?

    Managing your balance transfers is easy with mybarclaycard, Barclaycards convenient online account service. It’s quick to register. Just fill in your credit card, credit limit and a few personal details and that’s it. As long as you’re requesting an amount that’s no more than £5,000 or 90% of your credit limit, whichever’s lower, you’ll get confirmation right away.

 
Important information
 
1. You will be notified by email each month when your statement is ready to view online. If you prefer, you can opt to receive paper statements at any time by selecting the option in "your settings" hub in online account services.
 
 

Eligibility

Now that you’ve seen the benefits that getting a balance transfer card can bring, see if you are eligible.

+ Barclaycard Platinum credit card

  • You don't already have a Barclaycard
  • You want some time out from paying interest on a balance transfer
  • You’ve an excellent credit rating
  • You’ve no history of bankruptcy
  • You haven’t had any County Court Judgments or Individual Voluntary Arrangements registered against you in the past 5 years
  • You’ve got a history of managing credit commitments well – ie, have existing credit and at least 4 years’ experience of managing credit cards, loans, overdrafts or a mortgage
  • You’ve always made payments on time
  • You’ve had a permanent UK address for 3 months or more
  • You’ve got a regular income of more than £20,000 per annum
  • Your debt on credit cards or store cards, excluding a mortgage, is less than 10% of your income

 

+ Barclaycard Freedom Rewards credit card

  • You’re aged 18 or over
  • You’ve got a personal income of more than £20,000 per annum
  • You’ve lived in the UK for at least the past 2 years
  • You haven’t applied for a Barclaycard in the past 6 months
  • You haven’t had any Individual Voluntary Agreements, County Court Judgements or been declared bankrupt in the past 5 years

 

Apply with more confidence

With our pre-application check – you can find out in one minute which card you may be eligible for, without affecting your credit rating.

 
 
 
 
Important information
 
1. You will be notified by email each month when your statement is ready to view online. If you prefer, you can opt to receive paper statements at any time by selecting the option in "your settings" hub in online account services.
 
 

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


 

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