Apply for a balance transfer credit card

It takes about 10 minutes if you've got all your details ready.

You can save your application and come back to it at any time.

You must:

  • be 18 or over

  • be a UK resident

  • earn a minimum of £10,000 per year

  • have had a Co-operative Bank or smile current account for at least 1 month (Cashminder, Student and Pathfinder accounts are not eligible)

  • be employed full time, part time, self-employed or retired.

You must not:

  • have any County Court Judgements (CCJs) or entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds in the past 6 years

  • have been declared bankrupt in the past 6 years

  • be in arrears or have missed more than 2 payments on a credit agreement in the past 6 months

What you'll need

  • Your monthly income and outgoings

  • Your previous addresses from the last 3 years

  • The account number and sort code for your main bank account

What happens if your application is declined?

More about credit checks