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How do balance transfers work?

If you transfer a balance to your Barclaycard from another credit card or a store card, you can usually enjoy a promotional balance transfer rate. Balance transfers are often subject to a handling charge, which we'll make clear to you. Please refer to your Terms and Conditions for details.

When you make a payment to your account, we'll apply the amount you pay to reduce higher interest rate balances before lower interest rate balances. This means that you'll usually pay off any cash transactions and purchases before you pay off your balance transfer.

To view the available balance transfer offers on our products visit our product page by clicking here.

If you're an existing customer you can apply for any balance transfer offers displayed within Barclaycard online servicing by selecting 'Money & balance transfers' which you'll find under 'Transfers & offers' in the main menu.

Please note:

Interest will be applied to any purchases made with your Barclaycard, unless you are also eligible for a purchase rate offer.
Unless we tell you otherwise, we cannot accept transfers from other credit card or loan accounts held with Barclays Bank UK PLC or any other Barclays Group company. This includes our Partnership card – Hilton Honors. 

To log in to or register for Barclaycard online servicing click here.

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