More about balance transfers

Making a balance transfer

  • You can request a balance transfer from most credit cards and some store cards which 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. 


Log on to transfer a balanceLog on to transfer a balance

Please read the important to know section below for full details about making transfers.

Important to know

To keep your new transfer rate and avoid additional fees and charges, you need to stay within your credit limit and make at least your minimum payment on time each month. Your standard interest rates (at that time) will apply to any balances left after a transfer rate ends. Refer to your latest statement for information about interest rates and fees which apply to your account.

  • You can make as many transfers as you like (minimum £100 per transfer) as long as you don’t go over your credit limit.
  • To avoid paying interest on purchases you need to pay off your monthly statement balance in full and on time every month, including the value of any transfers, unless a 0% p.a. rate for purchases applies.
  • Subject to your request being approved, the transfer(s) should reach your account by the next working day. This could take longer if we need to complete additional security checks.
  • You must make at least the minimum payment on time each month, but you can repay more at any time to reduce your balance and the amount of any interest you pay overall.
  • We use your payments to pay off the balances charged at the highest interest rate first, so more expensive balances are paid sooner.
  • New transfer rates do not affect existing terms and conditions.
  • The amount you transfer needs to be less than your available credit limit to allow for any transfer fee and any other fees, charges or transactions that haven’t reached your account yet.

Before you go ahead, ask yourself:

Does this option suit my borrowing needs, or should I consider other alternatives?

Will I be able to make repayments, even if my circumstances change?

If you'd like to talk to us about other borrowing options, call 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.

Requesting a transfer

You can view available rates and make a transfer request online. You’ll just need the details of the credit or store card you want to transfer a balance from.

Log on to transfer

Register for Internet Banking

Transfer using the Lloyds Mobile Banking app:

Or call: 0345 450 4467

Speak to an adviser Mon-Fri 8am-10pm, or 9am-5pm on Sat, Sun and bank holidays.

Your credit limit

You can apply to change your credit limit using Internet Banking, the Mobile Banking app or by calling 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.

We give you an instant response and, if approved, your new credit limit will be available to use immediately. Increases are subject to status and you must have at least six months of payment history. You can’t decrease your limit below your current balance amount.

To use our Mobile Banking app you need to have a valid phone number registered to your account. Available to UK personal Internet Banking customers and Internet Banking customers with accounts held in Jersey, the Bailiwick of Guernsey or the Isle of Man. Check your preferred app store for minimum operating system requirements. Device registration required. The app doesn’t work on jailbroken or rooted devices. Terms and conditions apply.

Android/Google Play is a trademark of Google Inc. Apple, the Apple logo, iPhone, iPad, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Calls and online sessions may be monitored and/or recorded for quality evaluation, training and to ensure compliance with laws and regulations. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

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.