Your Balance and Money transfers.

    We have two types of transfer available on your card; balance and money transfers.

    Balance Transfers

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

    Money Transfers

    • Transfer money from your credit card to any of your own UK current accounts.
    • You can benefit from your promotional interest rate, for a set period, on money transferred from your Halifax Credit Card. A transfer fee may apply.
    • A Money transfer may be suitable for covering unplanned or one-off major expenses or purchases. Examples would be a broken boiler repair or home improvements.

    For more information about balance and money transfers, see our handy videos below.


    Ready to make a transfer?

    If you're registered for Online Banking, you can view your transfer offers and make transfers online.

    It couldn't be easier:

    1. select the 'Balance and Money transfer' button next to your credit card account
    2. follow the on-screen instructions, choose your offer to make the transfer 

    Make a transfer with Online Banking

    Alternatively, you could call us on 0345 609 0709.

    Lines are open 8am - 10pm Monday to Friday, Saturdays and Bank Holidays 9am - 5pm. Calls may be monitored or recorded.


    Want to change your credit limit?

    You can apply to change your credit limit online:

    1. select the ‘more actions’ button on your credit card account 
    2. select the ‘manage credit limit’ button.

    Change your credit limit

    Remember though;

    • You can decrease your credit limit at any time but you cannot decrease your limit to below your balance.
    • You must have at least six months payment history on your account before you can request an increase of your credit limit.

    Important information

    • Minimum transfer – Minimum transfer amount is £100 and a transfer fee may apply.
    • Keeping promotional rates - To stay eligible for any promotional rates that go with your balance or money transfer, you must always stay within your credit limit, and make at least your minimum payment on time each month.
    • Section 75 Purchase Protection does not apply on Money Transfers - It is important you understand that anything you buy using funds from a money transfer won’t benefit from the protection given by Section 75 of the Consumer Credit Act 1974 – unlike some credit card purchases.

      Section 75 of The Consumer Credit Act 1974 gives credit card customers legal rights if they’ve paid for goods or services using their credit card. It applies when the total price of the goods or services is between £100 and £30,000 and all or part of the purchase price was made using a credit card.

      If you’ve bought something using your credit card, the credit card issuer and the merchant may be equally liable for compensating you if things go wrong. For example, if there's a breach of contract or misrepresentation by the merchant against you, you may be able to successfully claim a refund through us. We will need to show that the company has not complied with their legal obligations or has misled you. So, it is very important you understand that anything you buy using funds from a money transfer will not benefit from this protection.

    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.