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Credit Cards

When will my Balance Transfer arrive with my other Credit Card provider?

If you provided us with details of your Balance Transfer during your application, it will be processed once you activate your card. The Balance Transfer amount will be deducted from your available credit within 2 working days from when you activate your card. Whilst the balance transfer is being processed, please continue to make payments to your other card. The balance transfer normally takes between 2 and 4 working days from when you activate your card.

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Last update:
‎27-04-2015 11:26 AM
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I applied to transfer an amount from my transfer card onto my credit card on 22/08/17. The balance has gone down on my transfer card but not on my credit card. It says the process only takes four working days and i'm a bit concerned it hasn't yet reached my credit card provider, is it usual to take longer than four working days?


Hi - mine took over 8 working days!!  If I were you, I'd ring the Call Centre to make sure the card has been activated correctly.  I did mine on-line but for some reason it didn't work hence the delay in completing the balance transfer.  On telephoning, they activated it straight away but again it was another 4 days before the transfer completed. 


Thank you Welshgal68, one of my other balance transfers went through to my other provider two days later so I know it's definitely activated. I'll give them a call and see what's going on :)



I applied for a 0% balance transfer card about two weeks ago. It was approved. I transferred two credit card balances to the new one and I set up online banking. I have received my card and pin. The card didn't have a an activation sticker on and the letter made no mention about activation. My balances haven't yet been transferred. i received the card on Monday, when can i expect the balances to be transferred.



Hi @lordsausage, this should complete within 3 working days. However, the card will need to be activated for the transfer to complete. Please give our team a call on 0345 300 4278 (24/7) to arrange this. Alternatively, you can do this in the app. I hope this helps.