
Balance Transfers
- A balance transfer allows you to move your existing debt (balance) from one or multiple credit cards and some store cards, to a single credit card, so all your existing balances are in one place. If you transfer the balance to a lower interest credit card, you may be able to pay less interest, saving you money and paying your balance off faster.
- You can request a balance transfer from most other credit cards and some store cards, as long as they’re in your name, registered to the address we hold for you and display the Mastercard®, American Express® or Visa® logos, but not from loan companies, bank accounts or other Lloyds Bank credit cards.
- Continue to make payments to your other cards as usual until transfers show on your statements for each account.

Money Transfers
- A money transfer allows you to move money from your credit card account to your UK bank account, providing you with money when you can’t pay by credit card. We’re one of the few credit card providers to offer a money transfer – simply transfer money to your current account, pay the expense and spread the repayments if you need to.
- You can only make a money transfer to a UK current account held in your name and registered to the same address as your credit card account.
- If you make a purchase using money transferred from your credit card to your current account, the purchase will not be protected under Section 75 of the Consumer Credit Act 1974 - unlike some credit card purchases.
Please read the important to know section below for full details about making transfers.
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Section 75 of The Consumer Credit Act 1974 gives credit card customers legal rights if they’ve paid for goods or services using their credit card. It applies when the total price of the goods or services is more than £100 and up to a maximum of £30,000 and all or part of the purchase price was made using a credit card.
If you’ve bought something using your credit card, the credit card issuer and the seller may be equally liable for compensating you if things go wrong. For example, if there's a breach of contract or misrepresentation by the seller against you, you may be able to successfully claim a refund through us.
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