Our longest balance transfer deal

Check if you're eligible for a Balance Transfer Card without affecting your credit score.

Provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

Pay 0% on transferred balances for up to 35 months with 2.85% transfer fee*

  • Contactless payments
  • Pay nothing on purchases for the first 3 months
  • Pay no annual fee for the card
  • See if you're eligible before you apply – it won't affect your credit score
  • Manage your account anywhere, 24/7 with our safe, secure mobile app or through online servicing. 

Things to consider before you apply

*You'll need to transfer the balances within three months of your account opening. You may receive a shorter introductory period (26 or 18 months) an APR (21.9% or 24.9%) depending on your individual circumstances.

To keep these rates, make sure you stay within your agreed credit limit and make your minimum payment on time every month.

Representative example




More features and benefits

Enjoy more with your Balance Transfer Card

As well as 0% on balance transfers for up to 35 months, you'll enjoy a host of other great benefits. 

  • Tap and pay with contactless – it makes low-value transactions quick and easy

  • Manage your account easily with our mobile app, online or on the phone

  • Use it worldwide – MasterCard is accepted in over 35 million places

  • No fee for Travel Money - when you pay with your card in a Post Office branch or online

  • Stay secure – MasterCard® SecureCode™ helps prevent online fraud

Our interest rates and fees explained

Be clear on the charges upfront

We want to be clear on the charges you can expect to pay with our credit cards. So here's a summary of the interest and fees that apply and when. Plus, ways you can avoid extra charges.

Our introductory offers

With our Balance Transfer Credit Card you'll pay:

  • 0% on balance transfers for up to 35 months

  • For every balance you transfer there's a fee of 2.85%

  • 0% on purchases for the first 3 months


To keep these rates, make sure you:

  • Transfer balances within the first 3 months

  • Stay within your agreed credit limit

  • Make your minimum payment on time every month

After the offer period

When the 0% periods end any outstanding balance will be charged at your standard variable rate.
New purchases will be charged at the standard variable APR.

What is an APR?

It's a way of showing what your borrowing will cost over the year, including interest and fees.
You can use it to compare products from different providers.

What is a representative example?

The example we've given above shows the APR (18.9%) and credit limit (£1,200) you might typically get on our Balance Transfer Card. But it’s just for illustration.

We'll base your actual APR and credit limit on factors like your circumstances, credit score and ability to pay back what you've borrowed.

What fees do we apply?

We try to keep fees to a minimum but sometimes we do need to charge them.

  • If you're late with a payment or go over your credit limit we'll charge £12
  • But there's no fee to have the card


You'll find a full breakdown of our fees in the Balance Transfer Card Summary Box.

Manage your account and spending 24/7

Manage your account with our Mobile App

Easy online servicing and mobile app

Wouldn't it be great to avoid waiting for your statements in the post, and having to deal with piles of paper?

Our online servicing is here to make life easier. You can switch to paperless statements and check out your finances whenever you like.

Here's what you can do with them

• Check your balance
• View your transactions
• Make a payment
• Set up or change a Direct Debit
• Tell us if you're travelling abroad
• See, download and print recent transactions^
• Transfer a balance^
• See your PIN^
• Update your contact details^

^With online servicing only.

Already an existing customer?

Manage your Post Office Money® Credit Card online or get the mobile app.

Find out how

Talk to someone
Customer Services:

0345 607 6500
8am-8pm, Mon-Fri
9am-5pm, Sat 
Closed, Sun
10am-5pm, Bank Holidays

Lost or stolen cards
If you need to tell us that your card has been lost, stolen or likely to be misused, then you should call us on 0800 169 2646 or +44 800 169 2646 if abroad. 

If we need to contact you about potential fraud on your account, we will do this via a secure channel including, but not limited to, SMS or Email. 

You may request a copy of your Agreement at any time while your account remains open. 

Managing your borrowing

How a Balance Transfer Credit Card could help

If you pay using credit or store cards a lot, it's important to consider how you'll pay off any balances you already
have before taking on more debt.

As one of the UK's most trusted brands, you can count on Post Office to help you manage your money carefully. One way is with the Balance Transfer Credit Card.

If you're eligible, you can transfer existing balances to it and pay no interest on them for up to 35 months giving you
time to bring the balance down without it getting bigger.

Helping you manage your money

Some effective ways to reduce your debt and borrowing:

  • Keep balances on your credit cards low

  • Pay your bills on time – the minimum amount at least, more if you can

  • Set up regular reminders for payments you can't miss

  • Pay off your debt in full if possible – don't just move it around

  • Work to bring down your balance as quickly as you can


Need a different credit card?

Matched Card

The 2 in 1 card that's designed for balance transfers
and purchases or up to 25 months.

Platinum Card

The smarter way to spend at home and abroad – with up to 28 months on purchases and no fees on anything you buy abroad.

Important legal information

Credit is subject to status to UK residents aged 18 years or over.

Post Office Money® credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc. Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Post Office Limited is registered in England and Wales. Registered Number. 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website (www.fca.org.uk) or by contacting the FCA on 0800 111 6768.

Get our longest balance transfer deal!

Apply online

It takes just a few minutes. And you'll get an instant decision.

Existing customers

Report card lost or stolen:

24 hours a day

0800 169 2646

0800 169 2646


Apply over the phone

8am-10pm, Mon-Fri, 8am-6pm, Sat

10am-5pm Sunday and Bank Holidays

0800 169 2000

0800 169 2000