Planned maintenance: 4pm Wednesday 25 March - credit card applications will be unavailable until Sunday 29 March
What is a balance transfer credit card?
- With a balance transfer credit card you can move high-interest debt to a lower rate, making it easier to pay off.
- Your credit limit, promotional period, and interest rates will vary based on your circumstances.
- To keep your promotional rates, you’ll need to stay within your credit limit and make your monthly payments on time.
Balance transfer credit card benefits
0% interest borrowing
Enjoy up to 38 months of no interest payments by transferring outstanding debt.
Everything in one place
Instead of juggling credit or store cards, move it all onto one card.
Pay off debt faster
With less interest to pay, you could clear your debt faster.
Platinum balance transfer credit cards
- 0% interest for up to 38 months on any balance transferred.*
- A 3.49% fee for balance transfers made in the first 90 days.*
- 0% interest on any purchases made in your first 3 months.**
- Pay through contactless, or set it up on Apple, Google Pay or Samsung Pay.
- Priceless.com is available exclusively to Mastercard cardholders and provides access to unforgettable experiences and valuable everyday discounts in the cities where you live and travel.
*Balance transfers: minimum £100 up to maximum 95% of credit limit from UK cards only (excluding TSB credit cards).
**Purchases exclude cash advances, gambling transactions and payment protection premiums.
Apply for a balance transfer credit card
What you’ll need to apply:
Details
Eligibility
No debts
Check your eligibility and apply
Existing customers can apply in the app
This is the quickest way to apply
If you’re a customer and are already logged in, we’ll auto-fill all your info
See your likelihood of being accepted and what your credit limit would be without affecting your credit score
Or apply online
Continue applying from your browser
You’ll be able to see your likelihood of being accepted and what your credit limit would be without affecting your credit score
If you prefer to apply in branch or over a video call, you can book an appointment in advance.
Balance transfer credit card FAQs
A balance transfer is when you move the debt from one or more existing credit cards to a single credit. The benefits of making a balance transfer are that typically you will be charged less interest, or will make lower monthly repayments.
To carry out a balance transfer, you simply move the outstanding balance from one credit card onto another. The balance is then owed on the new card, typically at a lower interest rate or with an interest free period.
A balance transfer does not close the old account. The old credit card can still be used; however, this could result in further interest being charged.
A variety of ways to manage your account: online, by phone through one of our UK based call centres, or at a TSB branch
Clicksafe® to help keep your details secure when shopping online
Active account monitoring to spot any suspicious spending
Overseas emergency telephone assistance if you lost your card abroad
- Receive Overseas Alerts when your card has been used in a foreign country. To opt in, opt out and amend your settings, use this form: Update Your Overseas Alerts.
We use Docusign for this kind of request. Docusign will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
There may be lots of different reasons you might need to bank with us differently, either in the short term, or on a continuing basis. It could be because of your physical or mental wellbeing, or because of a life event you’ve experienced. Whatever the reason, we are committed to tailoring our support to your personal needs.
If you choose to tell us about your individual support needs, we will take the time to understand your circumstances and work with you to make sure you have the support you need when banking with TSB. We can add a Support Indicator to your account, which means whenever you talk to us, we'll be aware that you may need tailored support.
Important information
The issue of a credit card is subject to status and depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
