Balance transfer offer terms and conditions.

If you’re applying for a Barclaycard, the minimum you can transfer is £250 in total, across all your balance transfers. You can request up to five balance transfers as part of your application. The maximum transfer amount varies depending on the product you choose and the credit limit you’re assigned.

Existing customers are not eligible to apply for a new Barclaycard balance transfer card. However, you can make a transfer if you have a balance transfer offer on your existing Barclaycard.

The minimum you can transfer is £100 in total, across all the balance transfers you’re making on each occasion. The maximum can vary, depending on your individual credit limit and your existing balances. You’ll also need available credit left over for fees, interest and future transactions.

You’ll find the amount you can transfer in ‘Transfers and offers’ in Barclaycard online servicing, or in the Barclays or Barclaycard app. Your credit limit is on the homepage.

You can have up to six balance transfers on your account at any time.

In most cases, there’s a one-off fee – it depends on your offer and your transfer amount. Details of your fee can be found in Barclaycard online servicing, on the app, or by calling us.

Yes, you can’t make a transfer to any other Barclaycard or our partner cards. You’ll need to keep making the usual payments on your other credit card until the transfer’s been made.

You’ll see your offers in Barclaycard online servicing, on the app, or by calling us. Just bear in mind that they’ll only be available for a limited time – and they’ll depend on some fraud and credit checks we’ll run when you apply.

You will not earn Cashback or Freedom points on balance transfers.

Make your transfer before your offer close date. If you ask us to make a transfer within business hours (on a weekday before 7pm, not including bank holidays), the payment will reach your bank or other lender on the next working day. If you ask us to make a transfer outside business hours, we’ll process your request on the next working day and the payment will reach your bank or other lender on the next working day after that

We’ll sometimes do extra checks on transfers. If so, things might take a bit longer. But we’ll always try to get your transfer across as soon as we can.

•  If you lose your promotional rate: Your offer will end early if you make arrangements to pay less than your minimum payment each month. We will then move your remaining balance to your standard balance, and charge interest on it at your simple standard rate. Your simple standard rate moves up and down in line with the Bank of England Base Rate.

•  When your promotional period ends: If you haven’t paid off the amount you transferred when your promotional period ends, we’ll move it to your standard balance and charge interest on it at your simple standard rate. Your simple standard rate moves up and down in line with the Bank of England Base Rate.

•  If you make purchases: You can buy things with your Barclaycard, but remember, to avoid standard interest you need to pay your full balance, excluding any promotional balances each month or interest will be charged on anything new you buy from the day the transaction appears on your account. Remember to make your minimum payment on time.

When you pay us, we’ll use your payment to reduce balances with the highest interest rate first. If you’ve got two promotional balances at the same rate, we’ll pay off the balance on the one that ends first.