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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.

You can still benefit from up to 56 days interest free on anything new you buy after making a balance or money transfer, but you do need to pay off your main balance (excluding any promotional balances) in full and on time. Don’t forget to make at least your minimum payments on time and to stay within your credit limit.

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.



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