Bring a little balance

Paying too much interest on another credit card? Our Balance Transfer Credit Card could be for you

Take control of your finances, we’ll take care of the interest

  • 0% interest on balance transfers for the first 20 months, with a 2.99% balance transfer fee (minimum £5)
  • Apply in minutes with no lengthy forms to fill out

How does it work?

Here's a representative example:

Based on an assumed credit limit of £1,200

  • Representative APR - 24.9% APR (variable)
  • Purchase rate - 24.9% p.a (variable)

For balance transfers, to get your 0% interest on balance transfers for the first 20 months, you just need to transfer your balance within 90 days of opening your account. After 20 months, the rate for the transferred balance will change to the standard variable rate at the time.

There's more information on how this all works in our Credit Card summary box.

Who can apply?

All we ask is:

  • you have a 1st Account with us
  • you’re 18 or over
  • you are a UK resident and live permanently in the UK
  • you have an annual income/pension of £6,800 or more (before tax)
  • you haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or in the process of doing so.)



Before you apply



Ready to apply?

If you're happy with how that all sounds, the easiest way to apply is using the first direct App.

Head to the App to get started.

Scan the QR code to open up the App



Other ways to apply