Give yourself
a little more time

Fluid credit card

Cut the cost of your monthly credit card bill with a balance transfer.

An image of the new Fluid credit card
  • FastCheck your eligibility with no impact on your credit rating by clicking Check Eligibility.

  • 0% interest on balance transfers for 9 months from account opening (4% fee), after which your standard rate will apply.

  • Initial credit limit of £300-£2,000.

Representative Example

Interest rate for purchases

29.94% P.A.

(variable)

With a representative

29.9% APR

(variable)

Assumed credit limit

£1,200

The APR applicable to your account will depend on our assessment of your application. Credit only available to 18s and over resident in the UK and subject to status. Terms and conditions apply.

Don'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?

£1630
£0 £1800

When transferring a balance to Fluid, the maximum balance you can transfer cannot exceed 90% of your credit limit (including the balance transfer fee).

34.9%
3% 99.99%
£80
Min Balance in Full

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 Eligibility

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

29.94%
P.A.

(variable)

With a representative

29.9%
APR

(variable)

Assumed credit limit

£1,200

The APR applicable to your account will depend on our assessment of your application. Credit only available to 18s and over resident in the UK and subject to status. Terms and conditions apply.

Some common questions people ask us

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;