Fluid credit card
Cut the cost of your monthly credit card bill with a balance transfer.
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FastCheck your eligibility with no impact on your credit rating by clicking Check Eligibility.
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0% interest on balance transfers for 9 months from account opening (3% fee), after which your standard rate will apply. Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers. Terms apply.
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Initial credit limit of £250-£4,000.
Representative Example
Interest rate for purchases
34.94% P.A.(variable)
With a representative
34.9% APR(variable)
Assumed credit limit
£1,200Don't forget
Use your card sensibly — if you don’t make repayments on time or stay within your credit limit you will pay extra charges, forfeit the 0% offer and getting credit in the future may be harder and more expensive.
How much could you save?
Less is More
Less of your monthly repayments are taken up by interest charges on balances transfered to Fluid in the first nine months.
Which means less worry about the future.
So you have more time to make the most of today.
Check EligibilitySee what our customers are saying
Use with your Digital Wallet
You can make fast and secure purchases online, through apps or in-store. Add your Fluid card to your Digital Wallet to start making purchases instantly with your devices. For detailed set up and instructions visit, How to set up Apple Pay or How to set up Google Pay
Is Fluid right for you?
Are you looking for a little more time to clear your balance?
Your first nine months are interest free, on any balances that are transferred to Fluid. So, more of your monthly repayments will go to clearing your balance and getting you back on track again.
See if you'll be accepted before you apply
Check your eligibility with FastCheck
Quick and easy to fill in your details.
Get a response in 60 seconds.
No impact on your credit rating.
Save time. Check before you apply.
You need to
be over 18;
have a permanent UK address;
have a current UK bank or building society account;
have no bankruptcy proceedings against you;
You are not eligible for a Fluid card if you
have been declared bankrupt in the past 18 months;
have received a CCJ in the past 12 months;
already have a Fluid card;
have taken out a marbles, opus or aqua card in the past 12 months;
It’s important that the information you give us is accurate. For an overview of the product fees and charges, take a look at the Summary Box below.
Life is better spent with Fluid
It’s easy to run up a balance on your credit card. And when all your repayments are going towards interest charges and your balance never seems to get any smaller, it can feel like you’re stuck in a rut.
Transfer your balance to Fluid and take a nine-month break from interest on the amount you transfer (fees apply). That'll give you more money to put towards clearing your credit card debt.
Fluid can help you find your feet, get on track and look to the future again.
Representative Example
Interest rate for purchases
34.94%P.A.
(variable)
With a representative
34.9%APR
(variable)
Assumed credit limit
£1,200Some common questions people ask us
Fluid credit card was created to give you greater control of your credit card balances by keeping everything in one place through Fluid balance transfers – Our Fluid balance transfer offer gives you the time to plan and manage your payments.
Each transfer must be a minimum of £100. Each time you make a balance transfer you'll be charged a fee. The fee you pay for each balance transfer is a percentage of the amount you transfer. We'll add the amount you transfer and the fee to your card balance and the balance transfer interest rate will be charged from the date the balance is transferred to your Fluid account.
You can transfer more than one balance but only up to 90% of your available Fluid credit card limit. All balance transfers and transfer fees must be within the 90% available credit limit. If the amount you want to transfer exceeds the limit, we may allow you to transfer part of the balance.
For more details on balance transfers, click here.
Once you've activated your card, call us on 0333 414 1098* and tell us you'd like to make a balance transfer.
Give us the details (16 digit card number) of the card/s you want to transfer the balance/s from, and transfer anything from £100 up to 90% of your available Fluid credit card limit (including fees).
It normally takes three hours for a Balance Transfer to be completed, depending on the processing times and type of payment process employed by your bank. Outside of working days or after 3pm on working days, and on Bank Holidays and weekends, your Balance Transfer will be processed on the next working day.
For more details on balance transfers, click here.
* Calls to 0333 numbers are charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.
Find the flexibility you need
It’s easy keep track of your Fluid account online, whenever you want, wherever you are. Register for the Online Account Manager and you can:
access your statement securely - 24/7;
change your statement preferences;
manage your free text alerts;
make payments;
set up and manage Direct Debits;
view your balance and transactions;
update your personal details;
access your online credit health tools;
contact us if you have queries regarding your account;