* The 123 saving amount is calculated as the difference between paying no interest, and paying interest at an average rate of 17.81% APR (taken from Bank of England data for UK average annual effective rates on credit cards, November 2014), on an average Fluid balance transfer amount of £3500 over the period shown and with the cost of the transfer fee already deducted. It assumes that only the minimum repayment is made each month in line with MBNA's terms and conditions. Interest will be charged on any remaining balance when the promotional rate ends, which will reduce the amount of any savings made.
† Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
The Fluid Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.
Calls, online and/or Smartphone sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.