Barclaycard Breathe

Balance Transfer Terms and Conditions

1. The minimum transfer is £250 and the maximum is £5,000 or 80% of your credit limit, subject to the available credit on your account.
2. We may at our discretion permit balance transfers in excess of the balance transfer limits. If we do so, the excess amounts will be charged at a rate of 6.9% p.a. with no handling fee.
3. We reserve the right to refuse a balance transfer or to limit the amount that can be transferred at our discretion.
4. We are unable to accept transfers from cards or loans issued by companies within the Barclays Group.
5. You should continue to make payments to your other lenders until we have confirmed that the balance has been transferred.
6. If you choose to close your account with other lenders, please notify them in writing.
7. During the promotional period any payment you make to the account will be applied in reducing your Promotional Balance before your Standard or Cash Balances.
8. If you do not make at least the minimum payment by the payment due date or if you exceed your credit limit at any time we will remove the promotional rate and charge the standard rate on your outstanding balance.
9. To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account.
10. A handling fee of 2.5% applies to all balance transfers.