BALANCE TRANSFERS.

As an existing Halifax credit card customer you can benefit from balance transfer offers, which could help you save money and manage your finances.


What is a balance transfer?

  • A balance transfer lets you transfer the balance from one credit card or store card, where you may be paying interest, to another credit card.
  • Balances transferred to your Halifax credit card could benefit from a promotional interest rate for a set period. A transfer fee may apply.
  • You can transfer from any card that displays a Visa, Mastercard® or Amex logo.

Promotional offers explained

We offer two types of promotional offers on credit cards:

  1. 0% interest rate for a set period of time and are subject to a one-off fee, typically 3%. No interest is charged during this period and the fee is added to your total balance
  2. Low interest rate for a set period of time which typically have no fee (0%).

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.


What are the benefits of a low interest rate promotional offer?

These are some of the benefits of a low interest rate promotional offer:

  • Low interest offers could provide a cheaper way to borrow for a longer period, potentially reducing the need to regularly switch offers
  • Generally low interest offers have lower or no fees compared to 0% periods
  • Could save you money if you are paying a higher amount of interest elsewhere.

Am I eligible?

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.


How much can I transfer?

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.


How long will the transfer take?

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.


How do I transfer a balance?

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.

Sign in

Register for Online Banking

Or call us on 0345 944 4555.


Want to transfer money to your current account?

Find out more about Money Transfers, which let you transfer money from your credit card to any of your own UK-based current accounts.


Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.


Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000.Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.