If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.


Balance Transfer Credit Cards

Move the balance from a credit or store card to a Lloyds Bank balance transfer credit card.

Transfer high-interest balances to a credit card with a low interest rate.

Keep all your credit card balances in one place.

A balance transfer card could reduce your outgoings.

Check if you’re eligible with One Check.

One Check lets you find out if you are likely to be accepted for a Lloyds Bank credit card - with no obligation to apply afterwards.

It’s really simple and straightforward. All you need to do is to answer a few questions to get an instant decision. And it only takes about 5 minutes. With One Check, you can:

  • See your estimated credit limit up front.
  • See all the Lloyds Bank credit cards you’re eligible to apply for.
  • It won’t affect your credit rating.

What else do I need to know about balance transfers?

How long does a balance transfer take?
After we approve it, the transfer will normally arrive by the next working day.

How much can I transfer?

The minimum balance you can transfer is £100. The maximum will need to be less than your available credit limit. This is to allow for any balance transfer fee plus any other fees or transactions. You cannot transfer a balance from other Lloyds Bank credit cards, loan companies or bank accounts.

What’s the difference between a balance transfer and a money transfer?
Balance transfers are about moving credit or store card balances to a different credit card. A money transfer lets you transfer money from your credit card to any of your own UK-based current accounts. To find out more, visit our money transfer page.

Lloyds Bank credit card features

Keep track online

Manage your credit card where and whenever you want with our desktop service or mobile app.

Protection from fraud

You won’t be liable for any transactions that are confirmed as fraudulent, providing you tell us as soon as you spot anything unusual or if your card is missing.

Easy payments

Make your payments whichever way is easiest for you, including debit card, Direct Debit and at your bank or building society.

UK call centre

Need to speak to someone? We’re just a phone call away.

Contactless payments

Just like your debit card, your credit card can make contactless payments. You can even add the card details onto your mobile phone.

Paperless statements

Your credit card account will be set up with paperless statements as standard. We’ll always let you know when your newest one is ready to view.

What does it mean for me?

  • Draft credit card account terms and conditions (PDF)

    A full set of Terms and Conditions specific to you will be issued once you’ve been accepted for the Credit Card.

  • Responsible lending

    Lloyds Bank is a responsible lender, and we only want you to borrow what you can afford, in a way that is best for you. The outcome of your credit card application depends on our assessment of your circumstances.

    If you’d like to talk to us about the choices you’ve made we will be happy to refer you to a member of staff that will be able to help you. They will also be able to talk to you about your options if you’re experiencing financial difficulties.

    A note on fraud

    You won't have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. However, you and additional cardholders must take all reasonable measures to protect your cards and PINs. You should never disclose your PIN, not even to Lloyds Bank staff or the police. You can give suppliers your card details (but not PINs) and won’t be liable if they misuse them. However, if you’ve given someone else your card details you are liable for all transactions unless you have told us first they are not authorised.

You can apply for a Lloyds Bank credit card if:

  • You are a UK resident, aged 18 or over, with a regular annual income.
  • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
  • You are not unemployed or a student.
  • You have not been declined for a Lloyds Bank credit card within the last 30 days.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.