Your Barclaycard comes with features that could help you borrow (and repay) money on terms that suit you. Take a look at our guide and tools below to find the one that could be best for your situation, then log into your online servicing account to find out which offers are available to you at the moment. Bear in mind that some offers might not always be available.
See your offers
Balance transfer
Bring cards together to save money
Move balances over from your other credit cards and pay 0% interest on them for a set time. Use the money you save on interest to repay the balance faster, and you could be even better off in the long run.
Costs
One-off fee
Value
This can vary, depending on your individual credit limit and the existing balance on your Barclaycard. You’ll find the amount you can transfer in ’Transfers and offers‘ in Barclaycard online servicing, and in the Barclays or Barclaycard app.
Offers last
12 months to 20 months
Repayments
Monthly minimum or fixed DD
Worth considering if ...
You have other credit or store cards with higher interest rates. You can combine them to manage your debt in one place. And, if you pay off the balance transfers during the 0% interest period, you’ll save money on interest. Which means more money in your pocket.
What it will cost you
- A fee for each transfer (we'll let you know what your fee will be when you apply to make a transfer)
- Your monthly minimum payments (we recommend paying more if you can afford it)
- Interest as normal on the rest of your Barclaycard balance
The not-so-small print (or, when it could cost you more)
We’ll charge the standard interest rate on any transferred balances left at the end of the promotion. So we recommend trying to pay off the whole transfer before then.
If you miss a monthly payment or go over your credit limit, we’ll move the transferred balance on to your standard interest rate. This will show on your credit history, which might make it harder for you to borrow money again.
Do the maths
Try our balance transfer calculator
Before you decide
Work out if you can pay off the full transfer before the promotion ends. If not, moving your balance over to Barclaycard could actually end up costing you more.
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Money transfer
A speedy way to borrow when only cash will do
Move money from your Barclaycard to your current account when you need cash quickly. Pay the plumber or mechanic - and pay low interest on the transfer for a set period.
Costs
One-off fee
Value
This can vary, depending on your individual credit limit and the existing balance on your Barclaycard. You’ll find the amount you can transfer in ’Transfers and offers‘ in Barclaycard online servicing, and in the Barclays or Barclaycard app.
Duration
12 months to 20 months
Repayments
Monthly minimum or fixed DD
Worth considering if ...
If you need to borrow money as cash and know you can pay it back before the promotion ends.
What it will cost you
- A one-off fee (we'll let you know what your fee will be when you apply to make a transfer)
- Your monthly minimum payments (we recommend paying more if you can afford it)
- Interest as normal on the rest of your Barclaycard balance
The not-so-small print (or, when it could cost you more)
We’ll charge the standard interest rate on any cash transfer balance left at the end of the promotion. And if you miss a monthly payment or go over your credit limit. This will show on your credit history, which might make it harder for you to borrow money again.
Do the maths
| Amount you’re transferring | At 1.9% your fee would be | At 2.9% your fee would be |
|---|---|---|
| £500 | £9.50 | £14.50 |
| £1000 | £19 | £29 |
| £2000 | £38 | £58 |
These are examples to give you an idea – your offer details may vary.
Before you decide
Work out if you can afford to pay the cash transfer back in full before we start charging interest. We recommend setting up a fixed Direct Debit to make sure it’s all paid off. Otherwise it might be cheaper to take out a long-term loan instead.
Bear in mind that things you buy with the cash won’t have the same purchase protection as if you’d used your Barclaycard (standard with all UK credit cards).
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Instalment Plan
Pay less interest on big, one-off purchases
Use your Barclaycard to book a holiday, buy a fridge or even a second-hand car. Then move the balance to a 0% interest, fixed repayment plan to clear it all off by a certain date. And still getpurchase protection should anything go wrong (standard with all UK credit cards).
Costs
One-off fee(1% to 8%)
Value
£100 to £5,000
Duration
3 to 24 months
Payments
Fixed monthly amount
Worth considering if ...
If you want to spend more than £100 in one go using your Barclaycard, like on a fridge or a holiday, and know you can pay it all back in a set amount of time. You’ll also avoid new credit searches leaving a footprint on your credit history, as you’re using your existing Barclaycard balance. Be sure to check you’re eligible for this offer before you spend the money.
What it will cost you
- A one-off fee (1% to 8%, depending on the term of your Plan)
- Interest as normal on the rest of your Barclaycard balance
- A monthly payment, made up of your fixed monthly instalment plan payment plus your monthly payment for the rest of your Barclaycard balance.
The not-so-small print (or, when it could cost you more)
If you miss two monthly plan payments or go over your credit limit, we’ll end your plan and charge interest on the balance at your standard rate. This will show on your credit history, which might make it harder for you to borrow money again.
Do the maths
| 6 month Plan, 2% fee, 0% interest | |
|---|---|
| Purchase | £1000 |
| Monthly Payments | £170 |
| Fee to pay (included in monthly payment) | £20 |
| Total to repay | £1,020 |
| Loan equivalent | Equivalent to 7.04% APR on a loan |
This is an example to give you an idea – your offer details may vary. Check out more example Plans here.
Before you decide
Offers aren’t always available to everyone, so check you can get this offer before you spend the money. We can only approve the plan if it you’ll have at least 15% of your credit limit left after you buy the big item.
It’s also a good idea to shop around to see if a loan would be a cheaper option. But bear in mind, using your credit card means you could get purchase protection (standard with all UK credit cards) if your purchase is damaged, faulty, or not delivered.
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