Compare Halifax balance transfer offers

If you’re paying interest on existing card debt, you could apply to transfer your balance to a Halifax credit card and save on interest for a lengthy period.

When comparing balance transfer cards, you can choose a card without a balance transfer fee or swallow the fee to access the longest 0% deals available. Halifax is a major player in the 0% balance transfer arena with up to 27 months interest free.

Many Halifax balance transfer cards include 0% on purchase deals, too. So, while it’s advisable to focus on clearing your debt, you at least have the flexibility to spread the cost of an upcoming expenditure.

Halifax 0% balance transfer credit cards

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Name	Product	Finder score	Finder score	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
Halifax Low Fee 0% Balance Transfer Credit Card		4.0 ★★★★★	★★★★★ Expert analysis	0% for 27 months reverting to 24.94%	3.49% for 3 months reverting to 5%	0% for 6 months reverting to 24.94%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		3.5 ★★★★★	★★★★★ Expert analysis	0% for 17 months reverting to 24.94%	2.99% for 3 months reverting to 5%	0% for 17 months reverting to 24.94%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review	Compare	loading Fetching your data...

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Pros and cons

How do Halifax balance transfers work?

1. You can apply for a Halifax balance transfer card in-branch, over the phone or online. Some deals are only available online, though, so this is the recommended option.
2. Once you’ve picked your desired card, you’ll need to fill in some personal and financial details in the application form.
3. Halifax decides on your application instantly. You’ll then have the option to submit information about the balances you want transferred. You can arrange a balance transfer online or over the phone whenever you like, but you’ll only get the 0% deal on balances transferred within 90 days of activating your card.
4. Your card should be delivered within 7 days of a successful application. You can activate it online or over the phone. At this point, the process of completing the balance transfers requested during your application will begin.
5. If there’s a fee to pay, it’ll generally be added to your overall balance.

How long does a Halifax balance transfer take?

A Halifax balance transfer typically occurs the next working day after approval. Your card needs to have been activated.

How should I compare Halifax balance transfer deals?

Here are some of the key features you’ll want to look at when deciding which Halifax balance transfer offer might be the best option for you:

• Length of 0% period. A longer 0% deal means you can pay less each month and still clear the balance at 0% interest. However, you’ll typically pay a bigger balance transfer fee for longer deals. Work out how quickly you could pay off the balance and choose the card with a 0% deal slightly higher than this.
• Balance transfer fee. This is expressed as a percentage of the balance transferred. This one-off fee is charged to your credit card once the transfer is complete.
• Standard rate. This is the rate charged on purchases and balance transfers made outside the 0% period. You’ll pay this rate on balances that remain after the 0% period is over.

Customer reviews

Halifax has a “bad” rating of 1.5 out of 5 on review platform Trustpilot, based on over 3,900 reviews (updated October 2023). Customers reported poor online customer service and difficulties contacting its customer support team.

Customer support information

To contact the Halifax customer service team, you can message them through the Halifax app. Alternatively, you can give the team a ring on 0345 944 4555.

Our verdict

Halifax offers a competitive interest-free period with up to 27 months interest free, which is on the higher end of interest-free periods. As a balance transfer credit card, it allows you to move your existing credit card balance onto the Halifax card, slashing the interest on your credit card debt and saving you money when used correctly.

However, you can’t transfer between Halifax credit cards. As always, whilst a balance transfer credit card could save you money when used correctly, you should also note any fees, such as balance transfer fees, that may apply.

Other frequently asked questions

• How much money can I transfer?

  The minimum balance transfer is £100. There is no maximum, provided the transfer doesn’t exceed your credit limit.

• What will my credit limit be?

  Your APR and credit limit is based on your financial circumstances. You’ll be made aware of them after your application is approved.

• What cards can I transfer money from?

  You can transfer money from any Visa, Mastercard or American Express credit card or store card, provided it’s not another Halifax card.