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Balance Transfer Credit Card

Pay back your existing credit card balances from one place.

Representative example

You can get an interest rate on card purchases of

18.0% per annum variable after 4 months


with a rate of


providing you have a credit limit of

£1200

To apply the main card holder must meet the following:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Balance Transfer Calculator

Calculations shown are for illustrative purposes only and are based on fixed monthly payments.

(£100 - £10,000)

(£5 - £500)

Minimum amount must be .

Maximum £500. Learn more

Illustrative example


A balance transfer of


would be fully paid in

years months


based on a representative rate of

18.0% APR variable


This includes a transfer fee of:


You would have to repay a total of

To apply the main card holder must meet the following:

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • Must be employed full time, part time, self-employed or retired.
  • Additional cardholders can be unemployed as long as they’re 18 or over and a UK resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Important documents

Important information, Pre-contract credit information and Terms and Conditions

Download Important information, Pre-contract credit information and Terms and Conditions PDF (252KB)

Features, benefits and summary box

Download Features, benefits and summary box PDF (144KB)

How we use your personal information

Download How we use your personal information PDF (622KB)

Our lending commitments and what we ask of you

Download Our lending commitments and what we ask of you PDF (604KB)

The Co-operative Bank reserves the right to decline any application.

Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the ones advertised.

Not the card for you?

See our other credit cards

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