Compare Halifax balance transfer offers for July 2019

Halifax has a range of competitive balance transfer credit cards to choose from.

Last updated:

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.

As part of the Lloyds Banking Group, which also contains MBNA, it’s no surprise that Halifax is a major player in the balance transfer arena. You can choose a card without a balance transfer fee or opt to swallow the fee in order to access the longest 0% deals available.

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

Comparison ordered by representative APR with affiliated products shown first.
Updated July 17th, 2019
Name Product Balance transfers Balance transfer fee Purchases Rep. APR Incentive Representative example
0% for 25 months reverting to 19.95%
1% for 3 months reverting to 3% (min. £3)
0% for 12 months reverting to 19.95%
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 29 months reverting to 19.95%
3% (min. £3)
0% for 3 months reverting to 19.95%
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 24 months reverting to 19.95%
3% (min. £3)
0% for 24 months reverting to 19.95%
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 20 months reverting to 19.95%
0% for 3 months reverting to 3% (min. £3)
0% for 6 months reverting to 19.95%
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).

Compare up to 4 providers

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 will make a decision 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 seven 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 will need 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 will be expressed as a percentage of the balance transferred. This one-off fee will be charged to your credit card once the transfer is complete.
  • Standard rate. This is the rate charged on purchases and balance transfers made outside of the 0% period. You’ll pay this rate on balances that remain after the 0% period is over.

Other frequently asked questions

The NatWest Balance Transfer Credit Card (existing customers)
The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

M&S Bank Shopping Plus Mastercard
M&S Bank Shopping Plus Mastercard

Balance transfers:

0% for 20 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

The Royal Bank Balance Transfer Credit Card (existing customers)
The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

*Disclaimer: The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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