Fluid balance transfer credit card
0% interest on balance transfers for up to 9 months (3% fee applies)
Transfer your balance within 60 days of opening your account
Representative (variable) for Fluid
Check your eligibility with no impact on your credit score
Don't forget
Failure to make payments on time or to stay within your credit limit means that you'll pay additional charges, and may make it more expensive and difficult to get credit in the future.
Representative example
Representative
34.9% APR
p.a. (variable)
Interest rate for purchases
34.95%
(variable)
Estimated credit limit
£1200
The APR and credit limit applicable to your account will depend on our assessment of your application. Credit only available to 18s and over resident in the UK and subject to status. Terms and conditions apply.
Transfer your credit card balance today.
How does an interest-free balance transfer work?
Transfers must be made within the first 60 days of opening your account (3% fee applies)
Each transfer must be at least £100, and you can transfer more than one balance. A fee applies to each transfer.
The total of all balance transfers and transfer fees can't be more than 90% of your available credit limit
All balance transfers are subject to approval, and you must follow your credit card terms to remain eligible
You can transfer balances from most UK credit cards, except Aqua, marbles, Bip, opus, American Express, Revolut, 118 118 Money, store cards, prepaid cards, Cashplus cards, Zable credit cards and business credit cards
Transfers must be made within the first 60 days of account opening to get the 0% interest introductory rate. Transfers made after 60 days will be charged the standard balance transfer rate
Your initial credit limit will be between £250 and £4000. Remember, if you go over your credit limit or miss a minimum payment, you'll no longer get the introductory rate. After that, your standard balance transfer rate will apply to any remaining balance
Each transfer must be at least £100, and you can transfer more than one balance. A fee applies to each transfer.
The total of all balance transfers and transfer fees can't be more than 90% of your available credit limit
All balance transfers are subject to approval, and you must follow your credit card terms to remain eligible
You can transfer balances from most UK credit cards, except Aqua, marbles, Bip, opus, American Express, Revolut, 118 118 Money, store cards, prepaid cards, Cashplus cards, Zable credit cards and business credit cards
Transfers must be made within the first 60 days of account opening to get the 0% interest introductory rate. Transfers made after 60 days will be charged the standard balance transfer rate
Your initial credit limit will be between £250 and £4000. Remember, if you go over your credit limit or miss a minimum payment, you'll no longer get the introductory rate. After that, your standard balance transfer rate will apply to any remaining balance
Before you get started
Do I keep paying my old balance while it transfers to my new Fluid card?
Yes. Keep making monthly repayments to your old credit card until the balance transfer shows on that account.
What happens if I miss a payment during the promotional offer period?
If you don't make at least your contractual minimum payment on time each month, you'll lose your promotional interest-free balance transfer offer and the standard interest rate will apply.
What happens when the balance transfer promotional offer ends?
Your standard balance transfer interest rate will apply to any outstanding balance at the end of your interest-free period.
Insights from our experts
‘A balance transfer credit card can make managing your debt easier.* Moving your balances to a Fluid card with a 0% rate means more of your money goes toward paying off what you owe. Just remember to check any fees, keep up with your monthly payments, and note the interest rate that applies once the offer period ends.’
Sharvan Selvam, Chief Product Officer
*Make sure you consider whether transferring your credit card debt is the right option for you. Compare the rates of interest on the cards, including the rate charged after any initial 0% offer period plus the balance transfer fees, before you go ahead.
Simple steps to transfer a credit card balance with Fluid
Apply for a Fluid card
Check your eligibility first – it won’t affect your credit score. If you’re eligible, you can complete your application, which will include a full credit check.
Request a balance transfer
Making a balance transfer is quick and simple in the Fluid app or Online Account Manager. Just log in, follow the simple instructions to request a balance transfer.
Grow your credit with confidence
Manage your account well and take control of your credit journey. Keep on top of payments and stay within your credit limit to improve your credit score.
34.9% APR Representative (variable) for Fluid Card
Checking eligibility won’t affect your credit score
It’s Important
If you usually pay your balance in full each month. Balance Transfers can affect your interest free period for purchases. Carrying a balance (including a Balance Transfer balance) means you’ll be charged interest on any new purchases straight away. Once you clear your balance in full (including any Balance Transfer balance), you’ll go back to having an interest free period for purchases.
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FAQs
Use with your digital wallet
Make secure purchases online, through apps or in-store. Add your Fluid card to your digital wallet to start making purchases instantly with your devices.
