Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. A 0% balance transfer credit card allows you to move the balance from multiple existing credit cards to the new one. So if you don’t need the full 27 months to clear your debt, you could check out no-fee deals first. This allows you to: At TSB, our balance transfer cards remain interest free for up to 27 months. Earn 1 Nectar point for every £5 spent elsewhere. If you have several cards, it is worth transferring those with the highest interest rates first. Earn 1 Nectar point for every £5 spent elsewhere. Registered in Scotland, no. fixed interest for 6 months on the transferred balance. Representative 19.9% APR (variable) based on borrowing £1,200 over 12 months. Open TSB’s Platinum Balance Transfer Card – TSB's current LONGEST 0% balance transfer period of 27 months with a 2.95% fee for balance transfers made in the first 90 days. Placeholder heading Credit limit, interest rates and promotional periods will vary based on your individual circumstances. Purchase rate 19.95% p.a. The Platinum 15-Month card now has a balance transfer fee of just 0.8%, but are there better cards out there? TSB adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Our address is Level 2, 20 St Bank online 24/7 using our Internet Banking website or our mobile app. The minimum amount for balance transfers is £100. Cashback paid monthly into card account. 1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance. To carry out a balance transfer, you simply move the outstanding balance from one credit card onto another. TSB’s Platinum Balance Transfer Card charges no interest on balance transfers for up to 27 months. TSB 29 month balance transfer card - Apply here The table below shows the options available. Consolidate your debts and save money on existing card balances, by transferring them to this card and get 0% on purchases for 3 months . Lloyds TSB has cut the balance transfer fee on its Platinum 15-Month credit card, making it the cheapest 0% balance transfer credit card out there.. These cards allow you to transfer balances from several cards and pay them off whilst using an interest free period. £5) for transfers in first 60 days. Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. If you've compared cards and settled on the TSB Platinum Balance Transfer Card, completing the secure online application form takes about 15 minutes. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. The Platinum Balance Transfer Card from TSB offers zero percent interest for up to the first 30 months on balances which are transferred within the first 90 days. At TSB, our balance transfer cards remain interest free for up to 27 months. We’re open anytime and anywhere. Representative example TSB's Monthly Car Draw With a Connect Plus account you could be in to win a MG ZS EV There is an argument that you should keep the old account open to help your credit score. However much you can transfer over will depend on the new card’s credit limit and terms and conditions. This is subject to our terms of use. A balance transfer does not close the old account. If cutting the interest on existing card debt is your main reason for considering this card, check out. By bringing down the overall cost of what you owe, a balance transfer card could help clear outstanding balances sooner. accurate but you should confirm any information with the product or Earn 10,000 Nectar points if £400 spent at Sainsbury's, Argos or Tu Clothing during first two months of opening. Withdraw £250, and you'll incur a fee of £7.50. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term. Credit limits, interest rates and promotional periods will vary based on your individual circumstances. While we are independent, we may receive compensation from 1.5% (min. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Data updated While TSB’s impressive 27-month 0% offer is table-topping stuff, it comes with a balance transfer fee of 2.95% for 3 months reverting to 3%. £5). Earn up to 15% cashback on purchases through Smart Rewards at popular retailers. We may receive compensation from our partners for placement of their products or services. Sainsbury's Bank Nectar Dual Offer Credit Card Mastercard, 2.9% (min. Here’s a decent balance transfer deal but TSB has arranged it in a weird way for some reason. Our balance transfer credit cards offer you the chance to move your credit, and store card balances to one card, while paying no interest for a set period. Learn how we maintain accuracy on our site. often incur steep fees and/or higher rates of interest. Subject to status and lending criteria. It is possible to transfer money from several cards onto a 0% interest card, as long as you remain within the terms and conditions of the new card. You can transfer balances from as many cards as you like, however, the total amount must remain within the new card’s limit and terms and conditions. There’s a 0.5% BT fee but it’s refunded, making it fee … Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable). That's because doing so keeps your "credit utilisation ratio" lower (that's a measure of how much credit you're using compared to what's available to you), and helps the average age of your credit accounts. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. For example, if you owed €2,000 on a credit card with an APR of 22.9% and did a 0% transfer lasting 12 months with no fee, you would save €232 in interest alone if you paid off your balance by the end of the 0% period. Platinum Balance Transfer Card. The minimum limit offered on this card is £500 and TSB does not specify a maximum. The 1.45% for 3 months reverting to 3% balance transfer fee can turn out quite expensive if you have a chunky balance to move. 0% for 26 months reverting to 3% (min. TSB Bank plc. The Platinum card offers an interest-free introductory period of 15 months on balance transfers. Optional, only if you want us to follow up with you. Earn 5 points for every £4 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Balance transfers rate of 0% for 27 months reverting to 19.95%. Earn 1 Point for every £4 spent elsewhere. £3). It's always wise to check the terms of any deal before you borrow. As the new card has no interest for a set period of time on the balance(s) transferred, this allows the card holder to pay off debt more efficiently. £3) for 3 months reverting to 3% (min. Confirm details with the provider you're interested in before making a decision. You can make manual repayments through TSB's app, by logging in to your online banking or over the phone (0345 835 3846). Balance transfer fees are generally given as a percentage of the overall amount you’re transferring – this will usually be between 1% and 3%, but could range anywhere from 0.5% to 5% of the total sum. You can compare TSB credit cards, … You can request a balance transfer as part of your application. The interest rate on your existing credit card. (variable), 2.9% (min. What is a 0% balance transfer credit card? A selection of rewards from a range of partners. Transfer fees may apply. 0.5% cashback after £1 of monthly spend. The cash advance fee on the TSB Platinum Balance Transfer Card is 3% (min. This card offers you our LONGEST 0% balance transfer period of 27 months with a 2.95% fee for balance transfers made in the first 90 days. If you miss a payment or go over your credit limit, you may no longer be eligible for the deal rate - check the terms and conditions of the card you are applying for to see if this applies. offer credit facilities from a panel of lenders. If you’re paying interest on other credit or store cards, our balance transfer card could enable you to save money, by paying 0% interest. Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. The market-leading balance transfer credit card also offers a zero percent for up to three months on purchases. The TSB Platinum Balance Transfer Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories. £5) for 3 months reverting to 2.4% (min. Balance transfer cards with the longest 0% period These cards give you the chance to pay off your debt over two years. A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). 100 points = £1 reward voucher. 2.29% (min. If you have an outstanding credit debt that you’re paying interest on, a balance transfer deal can buy you a holiday from paying interest, and a chance to reduce your debt. Receive 1 IHG Rewards Club point for every £1 spent in the UK. You can only transfer up to 93% of your credit limit, including your existing balance, to allow for fees and transactions that haven’t hit your account yet. Thomas St, London, SE1 9RG. £5) at anytime reverting to 3% (min. These might come with slightly shorter 0% periods. If you're looking for a card with an introductory rate of 0% interest on both balance transfers and purchases, check out our range of credit cards. If you’re paying interest on other credit or store cards, our balance transfer card could enable you to save money, by paying 0% interest. Maximum spend for cashback purposes is limited to credit limit. Consolidate your debts and save money on existing card balances, by transferring them to this card … our partners for featured placement of their products or services. After an introductory 0% period, any balance that remains will start to accrue interest at the card’s less-favourable “standard” rate (see table above). However, unless you're just about to apply for a new mortgage, it's probably fair to say that most people would prefer to have no more bank accounts open than was truly necessary. We keep our reviews completely factual so you can use them to make better decisions. TSB is currently offering new customers a zero percent balance transfer offer. This can vary between lenders. Switch your credit card balance to permanent tsb and get 0% (fixed) interest on the balance transfer for the first 6 months. finder.com is an independent comparison platform and information service finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Take care of your day-to-day banking when you need to. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible. We endeavour to ensure that the information on this site is current and This could allow you to clear the balance quicker by saving money on the interest. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. 0%, transfers must be made within the first 3 months of account opening, 0% for 3 months reverting to 21.9% p.a. Purchase rate 19.95% p.a. If there are any balance transfer fees to pay. Everything you need to know about transferring credit and store card debt to a new card. Balance transfer cards are ideal for people trying to pay off credit or store card debt with high interest rates. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad. You'll receive a special interest rate on your transferred balance for 24 months. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Balance transfer credit cards usually come with an introductory offer. Card details. £5). £3). This could allow you to clear the balance quicker by saving money on the interest. So, if you're looking for a balance transfer deal or an offer on purchases, check out our Credit Cards. You can read more about our scoring criteria on our credit card methodology page. You are about to post a question on finder.com: At Finder, we value and respect our editorial independence. Data Protection ICO registration number: Find out more about the Platinum Balance Transfer Card, Find out more about the Platinum Purchase Card, Read more about our lending commitments to you (PDF, 56.8KB), Take advantage of an interest free period. After the first 3 months, enjoy interest-free credit for up to 56 days; A second card for a family member for free (once they're over 18) Sainsbury's Bank may offer you a 0% interest period on balance transfers of 18 or 12 months, depending on your individual circumstances. (variable) Level 2, 20 St Thomas St, Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. For example, if you withdraw £50, you'll incur a fee of £3.00. If you need help with something specific, let us know what it relates to or search a topic. Maximum of £15 cashback paid per month. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. For transferring the balance from an old credit card to a new TSB credit card you can transfer up to 95% of the available balance on the new account. Check out, Over two years of 0% interest to focus on reducing existing card debt, Three months to spread the cost of purchases, Applicants with low credit scores are unlikely to be eligible, Don't forget that balance transfer fee! finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. London, SE1 9RS. TSB offers two Balance Transfer Cards, which can be seen below: Representative example £5) for 3 months reverting to 2.9% (min. The benefits of making a balance transfer are that typically you will be charged less interest, or will make lower monthly repayments. may also receive compensation if you click on certain links posted on At the time of writing, the variable purchase rate is 19.95 percent per annum. In his spare time Chris likes forcing his kids to exercise more. Follow our step-by-step tutorial to get back online from the safety of your home. Although you can transfer money from as many cards as you like, there is usually a fee involved for moving the balance from an old card. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. You must be 18 or over and a UK resident to apply. Move the balance from a credit or store card to a Lloyds Bank balance transfer credit card. product or commit to any plan. 2% (min. It will mainly depend on the total size of the debt. our site. Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires. You can't balance-transfer between cards from the same bank/group. Applicants must haver a regular income and not be declared bankrupt. authorised and regulated by the Financial Conduct Authority (firm 0% interest on purchases for the first three months* 0% interest for up to 27 months on balance transfers made within the first 90 days of account opening** 2.95% balance transfer fee during the first 90 days We are a credit broker and not a lender and When the 0% p.a. £5), 0% for 3 months reverting to 3% (min. Our experts score balance transfer cards to determine their value against similar products on the market. Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the two figures is greater. chevron-right. In most cases, you'll want to close the old account(s) straightaway, especially if they have an annual/monthly fee or if you might be tempted to use them in the future. Points will be converted into reward vouchers 4 times a year. Unless we've said otherwise, products are in no particular order. Balance transfers. When you make major financial decisions, consider getting independent financial advice. This card offers zero percent interest for up to the first 29 months on balances transferred within the first 90 days. Non-sterling transactions are subject to a 2.95% charge. If TSB is able to offer you this deal, the offer will specify a personalised credit limit based on TSB's assessment of your situation. Most issuers prevent balance transfers to a new card from the same issuer. Of course, while credit card debt is becoming increasingly problematic in the UK, TSB's Platinum 28 Month Balance Transfer Credit Card may not be the best for saving a bit of money, even with its offer. 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