Balance transfer credit cards
Hit the right balance
Get 0% interest on balance transfers for up to 29 months. Fees and terms apply.
Representative example: 24.9% APR Representative (variable). Based on assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable).
Check eligibilityPromotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days.
What is a balance transfer credit card?
With a balance transfer credit card, you can move a balance from another credit or store card to a Virgin Money credit card. You could get a 0% introductory or promotional interest rate for a fixed number of months. When the introductory or promotional interest rate ends, the standard interest rate at that time applies to your remaining balance. This can mean you'll pay less interest, and pay off what you owe faster. Sweet.
Tipping the balance in your favour
From the date of account opening you’ll get:
- Up to 29 months at 0% interest on balance transfers made in the first 60 days. Fees apply.
- 12 months at 0% interest on money transfers made in the first 60 days. Fees apply.
- 3 months at 0% interest on spending.
When these promotional rates end, we’ll charge the standard interest rate.
Good to know
Credit is available, subject to status, only to UK residents aged 18 or over. If we do not receive the minimum payment when it's due, or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period. You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank, or B credit card.
With a money transfer you can move up to 95% of your credit limit into your current account. With a balance transfer you can move up to 95% of your credit limit to your Virgin Money Credit Card.
Questions about balance transfer credit cards
A balance transfer credit card could be a good option if you are paying interest on existing credit cards or store cards. Bringing balances from other credit cards together onto a single balance transfer credit card can help clear your outstanding credit card debts while minimising what you pay in interest.
Remember, there's usually a fee for making a balance transfer. But even after you've paid this, you could still be better off.
- How long will the promotional rate last?
- Will you save money over the promotional period – even after paying the balance transfer fee?
- What is the standard interest rate after your promotional period ends?
- You’ll need to make your minimum payment when it’s due. If you don’t, we’ll stop your promotional rate (from the start of that statement period). So it’s worth setting up a Direct Debit to meet your monthly repayment.
- When your promotional rate ends or we stop it, we’ll charge you the current standard interest rate.
- The balance you're transferring can't be from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card. And you shouldn’t use your card to repay borrowing from Clydesdale Bank PLC (like a loan, overdraft or mortgage).
Money transfers are pretty handy, so we're really pleased to be one of the few credit card providers who offer them. They let you move up to 95% of your Virgin Money Credit Card limit into your current account.
All our balance transfer credit cards come with a handy money transfer option - get 12 months at 0% interest on money transfers. Fees apply.
Ready to apply
Start by using our handy card checker to see if you could get a Virgin Money Balance Transfer credit card.
- It only takes a few minutes to find out if you're eligible
- Using card checker won't affect your credit score
- See your credit limit before you apply
Earn some cool cashback
Get cashback in your hands when you shop with selected brands
Get started in the Virgin Money Credit Card app. See all the offers and start earning cashback!
Discover CashbackThe legal bits
Time to give your scrolly finger a workout
- Virgin Money Credit Card Terms - for cards applied for after 1 October 2024
- Virgin Money Credit Card Terms - for cards applied for before 1 October 2024
All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days.
You’ll need to make your minimum payment when it’s due. If we do not receive the minimum payment when it's due, or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period.
When a promotional rate ends or is withdrawn, we will charge the standard interest rate at that time.
You will not be able to transfer a balance from another Virgin Money, Clydesdale Bank, Yorkshire Bank or B credit card and should not use your card to repay other borrowing from Clydesdale Bank PLC.
Credit is available, subject to status, only to UK residents aged 18 or over.
Calls are charged at your service provider’s prevailing rate and may be monitored and recorded.
The Virgin Money Credit Card is issued by Clydesdale Bank PLC (trading as Virgin Money). Registered in Scotland (Company No. SC001111). Registered Office: 177 Bothwell Street, Glasgow, G2 7ER. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Virgin Money adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board: www.lendingstandardsboard.org.ukLink opens in a new window
Your copy of the Statement of Lender and Borrower Responsibilities PDF opens in a new window Link opens in a new window
You're pre-approved
Close ModalThis means you'll get this card if you apply before midnight on {{campaignenddate}}
- When you apply, we'll do a credit check, that's the norm for all lending applications
- Your application would only be declined if you're out of employment, not a UK resident or for fraud reasons
You're pre-approved
Close ModalWhat does this mean?
You'll get this card when you apply for it, as long as you:
- Begin your application within 20 minutes. If you do not begin your application within this time, you’ll need to check your eligibility again
- Complete your application on the same day
- Don't change any of the details you previously shared on Card Checker
- Pass our standard identity checks and any additional checks we need to make
Great news!
Close ModalYou're pre-approved with a guaranteed credit limit
What does this mean?
Based on the info you shared in Card checker, you're pre-approved for a Virgin Money credit card. To see your guaranteed credit limit amount, just select a credit card from the list below.
You'll get the credit limit shown when you apply, as long as you:
- Begin your application within 20 minutes. If you do not begin your application within this time, you’ll need to check your eligibility again
- Complete your application on the same day
- Don't change any of the details you previously shared in Card checker in your main application
- Pass our standard identity checks
Highly likely
Close ModalWhat does this mean?
You'll get this card when you apply for it, as long as you:
- Begin your application within 20 minutes. If you do not begin your application within this time, you’ll need to check your eligibility again
- Complete your application on the same day
- Don't change any of the details you previously shared on Card Checker
- Pass our standard identity checks and any additional checks we need to make