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Balance transfer credit cards
With your balances in one place, they could be easier to manage. Transfer fees may apply.
Check your eligibility and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
Credit is available subject to status.
Typical features and benefits
Let's break it down
Before you go ahead
Check if you're eligible
Let’s look at the details
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You can use a balance transfer credit card to move balances from most other credit cards, and some store cards too.
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You can request a balance transfer from most credit cards, and some store cards. Usually, cards that display a Mastercard®, American Express® or Visa® logo.
You can’t transfer a balance from a loan company, bank account, or another Lloyds credit card.
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To take advantage of any promotional interest rates, you may need to make qualifying transfers within a set number of days from account opening. After that, the standard account interest rate would apply to further transfers, unless a new transfer offer is made available to you. Terms may vary, so always check any offer details carefully.
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Once approved, your balance transfer will normally arrive the next working day.
To protect your credit score, continue making any required payments to your existing credit or store card provider. At least until your balance transfer is complete.
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With a balance transfer, you can move credit or store card balances to another credit card.
With a money transfer, you can move money from your credit card to your UK-based bank account. Please note: Section 75 protection does not apply to money transfers.
Transfer fees may apply to either type.
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Some credit card providers will allow you to transfer balances from accounts that aren’t held in your name. Just be aware, it’ll become your responsibility to repay that balance.
At Lloyds we don’t offer this as an option. To request a balance or money transfer, the name and address on both accounts must match.
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Draft credit card account terms and conditions (PDF, 382KB)
We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.
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Responsible lending
Lloyds is a responsible lender. We only want you to borrow what you can afford, in a way that’s best for you. The outcome of your credit card application depends on our assessment of your circumstances.
You can talk to a member of our team about the choices you've made. They’ll 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. But you and additional cardholders must take all reasonable measures to protect your account.
You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. But if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.
Explore your options
We want to make sure you know about our other credit card options. Here are two that might suit you.
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