Balance transfer calculator

Balance transfer calculator

How much would you like to transfer?

£500
£12500

How much could you afford to repay each month?

100
500

There are no offers for these balance transfers and monthly repayment amounts. Try selecting a monthly repayment that is less than your balance transfer.

Our calculator is for illustrative purposes only, and savings may vary depending on how you manage your account. The savings shown are based on assumption and could change depending on how well you manage your account, your repayments and your account activity.

Representative example

Representative APR

18.9% APR

(variable)

Purchase rate p.a.

18.9% APR

(variable)

Assumed credit limit

£1,200

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to the one shown here because it depends on your individual circumstances.

What does this calculator show?

Based on the amounts you choose, our calculator will show you our offers, with an estimate of the time it could take for you to clear your balance and how much it will cost. You could use the money you save on interest to reduce the amount you owe. The 'cost to you' includes the transfer fee, and any interest on your remaining balance if you haven't paid it off in full within the interest free promotional period.

The 'you could save' figure shows an illustrative example of how much money you could save in interest payments if you transferred debt from a card you're paying interest on, to one of our 0% balance transfer cards. The saving shown will depend on the amounts you enter into the calculator, and how you manage your account.

Things you need to know

To keep your 0% rates, you'll need to stay within your credit limit and pay at least the minimum amount on time, or your 0% rates will go up to your purchase rate. Once your 0% offer ends, you'll pay your purchase rate on any remaining balances, as well as on anything new you buy. If you've still got a balance transfer on your account after your 0% purchase rate ends, the standard interest free period will not apply to any new purchases you make.

Check if you're eligible before you apply

You can check if you’re eligible before you apply - it won’t affect your credit rating.

Apply online in three easy steps, and if approved your Barclaycard could be with you in five working days. Check out our latest balance transfer credit card offers.

Check if I'm eligible