Quest card

BALANCE TRANSFER CREDIT CARDS

Use our handy calculator to help you pick the right option from our range

I want to make a  balance transfer 

£50
£15,000

The amounts are illustrative and based on:

  • How much you expect to transfer
  • Your payments being made on time
  • No other transactions being made

Select an amount in multiples of £50

The amounts may vary depending on how much you spend on your card and if any of these assumptions were to change.

We are showing you all relevant cards from our range, ordered by the length of the promotional period.

All promotional rates start from the date your account is opened and apply to transfers made in the first 60 days. If we do not receive the minimum payment when it is due or you go over your credit limit, we will withdraw the promotional rate with effect from the start of that statement period.

0% for 40 months

on balance transfers

2.89% fee, min £3

Money transfers

0% for 40 months
(4% fee,, min £3

Purchases

0% for 3 months

Limited offer, apply by 14 February

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 38 months

on balance transfers

2.49% fee, min £3

Money transfers

0% for 38 months
(4% fee,, min £3

Purchases

0% for 3 months

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 36 months

on balance transfers

1.69% fee, min £3

Money transfers

0% for 36 months
(4% fee,, min £3

Purchases

0% for 3 months

Limited offer, apply by 14 February

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 36 months

on balance transfers

2.39% fee, min £3

Money transfers

0% for 36 months
(2.39% fee, min £3

Purchases

0% for 3 months

£...

Money transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 34 months

on balance transfers

2.29% fee, min £3

Money transfers

0% for 34 months
(2.29% fee, min £3

Purchases

0% for 3 months

£...

Money transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 32 months

on balance transfers

0.99% fee, min £3

Money transfers

0% for 32 months
(4% fee,, min £3

Purchases

0% for 3 months

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 32 months

on balance transfers

1.69% fee, min £3

Money transfers

0% for 32 months
(1.69% fee,, min £3

Purchases

0% for 3 months

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 26 months

on balance transfers

0.69% fee, min £3

Money transfers

0% for 26 months
(4% fee,, min £3

Purchases

0% for 3 months

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 18 months

on balance transfers

0% fee

Money transfers

0% for 18 months
(4% fee,, min £3

Purchases

0% for 3 months

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

0% for 18 months

on balance transfers

2% fee, min £3

Money transfers

0% for 18 months
(4% fee,, min £3

Purchases

0% for 18 months

£...

Balance transfer fee (added to balance)

£...

Monthly payment required to clear this balance in the promotional period (includes fee)

Not sure yet? Browse all our Credit Cards  

Giving you more ways to manage your money

Transfer a balance

A balance transfer allows you to move a balance of another credit or store card to your Virgin Money Credit Card.

More about balance transfers

Transfer money to your current account

Whatever you need money for, use a money transfer to move funds from your credit card to your current account.

More about money transfers

Make everyday purchases

Our credit cards allow contactless payments for quick and easy purchases up to £30.

Everything you expect as standard

  • A great range of Virgin offers
  • Use worldwide at MasterCard locations
  • No annual fees to pay
  • Manage your account online, and get paperless statements
  • Free use of our customer Lounges
  • Our credit cards come with contactless payments for quick and easy purchases of up to £30
  • 24/7 phone support

Top questions and answers

Will I be approved for a card?

At the end of the application process we'll carry out a credit score and we'll tell you whether you've been approved. In some circumstances, we may need some additional information and we'll let you know if this is the case. When making our decision, we'll take into account your age, status and financial background. Before you apply, check the following statements are true:

  • I am aged 18 years or over (the same goes for any additional cardholders).
  • I am a UK resident.
  • I have a UK bank or building society account.
  • I have good credit history.

You won't be approved if you are bankrupt or in an IVA, and it is unlikely that you'll be approved if you have CCJs or defaults and if you have no credit history. If you are unsure of your credit history, then please contact Experian for a copy of your credit file.

How long will it be before I hear?

We aim to tell you if we have approved your application straightaway. Sometimes, we may need to ask you for a few more details first – if we do, we’ll let you know immediately after you’ve made your application, then get in touch to request the additional information from you.

Where can I find out about your charges and interest rates?

You can find detailed information about our charges and interest rates in the summary box. When you have chosen a card, the summary box PDF will be visible on the “Apply Now” page beneath the product summary at the top of the page. Here’s an example:

PDF Icon

Is it easy to transfer a balance from another card?

Yes, it is straightforward to transfer a balance online or over the phone. See our contact us page for ways of getting in touch. Remember though, you will need to do this within the first 60 days to receive the introductory balance transfer offer. Plus, the promotional period starts from the date your account is opened, not from when you transfer your balance.

How much is the money transfer fee?

If you are looking to move money from your credit card to your current account and want to find out how much your fee would be, then you can go to our money transfer calculator to work this out for you. All you need to do is enter how much you would like to transfer and we will do the rest.



View more questions and answers  

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We're ready and waiting to take your call Monday to Friday, 9am to 5.30pm. Phone us on 0800 389 2875

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Virgin Money Lounges

We want to build a bank that doesn't see you as just another account number.

That's why we've been busy opening Virgin Money Lounges, exclusively for customers, with free refreshments and WiFi for you to enjoy.

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If we do not receive the minimum payment when it is 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 charge the current standard interest rate that applies to that transaction.

You will not be able to transfer a balance from another Virgin Money Credit Card and should not use your card to repay other borrowing from Virgin Money.

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 Virgin Money plc – Registered in England and Wales (Company No: 6952311). Registered office – Jubilee House, Gosforth, Newcastle upon Tyne, NE3 4PL. Virgin Money plc is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

Virgin Money plc subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Click here for your copy of the Lending Code Link opens in a new window .