As an existing Halifax credit card customer you can benefit from balance transfer offers, which could help you save money and manage your finances.
We offer two types of promotional offers on credit cards:
Please note: To keep any promotional rate, you must stay within your credit limit and pay at least the minimum payment on time each month.
These are some of the benefits of a low interest rate promotional offer:
You can check your eligibility through Online Banking. If eligible, you will be able to view the offers available to you. Offers may not always be available on your account.
We do not accept balance transfers from other Halifax credit cards, loan companies or bank accounts. Balance Transfer applications are subject to eligibility and security checks but these will not leave a footprint on your credit file.
Balance transfers must be a minimum of £100 and the total amount you’ll be able to transfer will need to be less than your available credit limit. This is to allow for any balance transfer fee and any other fees, charges or transactions which haven’t yet reached your account.
If your available credit limit isn’t sufficient to complete the transfer, you can apply for a credit limit increase online, simply select the ‘more actions’ button on your credit card account and then the ‘manage credit limit’ button.
After we approve the request, the transfer will normally arrive by the next working day.
Please continue to make payments to any other credit or store cards you have until the transfer shows on your statements.
If you're registered for Online Banking, you can view your balance transfer offer and process the transfer securely online. From ‘My accounts’ select the ‘Balance and Money Transfer’ button next to your credit card account and follow the instructions on the screen to view your offers and undertake the transfer.
Or call us on 0345 944 4555.
Find out more about Money Transfers, which let you transfer money from your credit card to any of your own UK-based current accounts.
What’s a credit card balance transfer? It’s where part or all of what you owe on your current credit card is transferred to another credit card, usually with a lower interest rate.
Fees can apply with balance transfers so check beforehand.
Time to transfer some of that coffee into my mug.