Give yourself more time with Fluid

Transfer a balance to your Fluid card from the majority of UK credit cards.

Become a Fluid customer and cut the cost of your monthly credit card with a 0% interest balance transfer period of nine-months from account opening (3% fees applies). That’ll give you more money to put towards clearing your credit card debt and help you 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

£1,200

The APR and credit limit 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.

How does a 0% interest for 9 months balance transfer work?

Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers (3% fee applies).

  • Each transfer must be a minimum of £100 and you can transfer more than one balance. Each time you make a balance transfer you’ll be charged a fee
  • You cannot transfer balances from store cards, any other card provided by NewDay, American Express, Pre Paid, Cashplus or Business credit cards
  • The total of all balance transfers and transfer fees must not exceed 90% of your available credit limit
  • All balance transfers are subject to our approval.You must keep to the terms of your credit card agreement to remain eligible for this offer
  • You will lose your promotional rate if you go over your credit limit or don’t make your contractual minimum payment on time each month.The standard balance transfer rate would then apply to any remaining balance
  • At the end of the 9 month promotional period, your standard balance transfer rate will apply to any remaining balance
  • The initial credit limit is £250 - £4,000
  • Transfers made more than 60 days after account opening will not benefit from the introductory offer. Instead, the standard balance transfer rate will apply to such transfers

If a transfer is made outside of the first 60 days from account opening, you will not be eligible to receive your introductory rate, and a standard rate will apply.

The 9 month 0% interest period starts from the date you open your account. If you make a balance transfer later in the offer period, you will enjoy 0% interest for a shorter amount of time.


For example

If a customer applies to carry out a balance transfer one month from account opening, they will only get 8 months of 0% interest on that transfer.

With Fluid balance transfer:

You can

  • Transfer balances from the majority of UK credit cards. You will need to be primary cardholder to make a balance transfer.

You cannot

  • Transfer balances from store cards, any other card provided by NewDay, American Express, Pre Paid, Cashplus or Business credit cards.

Easy repayments

Easy repayments image

Before the balance is transferred to Fluid

You should continue making monthly repayments to your existing card provider until the balance transfer shows on the card account you hold with them.

Pay on time each month

You will lose any promotional balance transfer offer (including the 0% interest for 9 months introductory offer), if you don’t make your contractual minimum payment on time each month. The standard balance transfer rate would then apply

Adjust your direct debit

If you have a Direct Debit that pays off your balance in full each month, you can amend this in your Fluid app or Online Account Manager, to help you take full advantage of your introductory 0% interest for 9 months balance transfer offer

At the end of the 0% interest period

Your standard balance transfer rate of interest will apply to any outstanding balance transfer at the end of your nine month interest-free period

It’s important

If you usually pay your balance in full each month. Balance Transfers can affect your interest free period for purchases. Carrying a balance (including a Balance Transfer balance) means you’ll be charged interest on any new purchases straight away. Once you clear your balance in full (including any Balance Transfer balance), you’ll go back to having an interest free period for purchases.

FAQs

Here are answers to the most common frequently asked questions.

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