Vanquis Balance Transfer Card

About the Vanquis Balance Transfer Card

The Vanquis Balance Transfer Card is designed for UK residents who want to move existing credit card balances to a single card and use an introductory balance-transfer period to reduce interest costs. At review time, Vanquis listed 0% interest on balance transfers for up to 19 months, subject to eligibility, with transfers made within the first 60 days of account opening.

• 0% interest on balance transfers for up to 19 months, subject to eligibility.
• A balance transfer fee of up to 3.9% may apply.
• Representative APR: 33.9% APR variable.
• Personalised credit limit: £250 to £7,000.
• APR, credit limit and promotional offer may vary based on your circumstances.
• Other charges can apply, so check the issuer's summary box before applying.

Best for

This card is best for someone who has existing card debt, can make regular repayments, and wants a structured period where payments can reduce the transferred balance instead of mainly covering interest.

Not for

It is not ideal if you are unlikely to repay during the promotional period, need to transfer less than the issuer's minimum amount, or want a card mainly for cash withdrawals or overseas spending.

This page is informational and is not an issuer application form. The final eligibility check, offer and application decision happen with Vanquis.

Want to learn more about the Vanquis Balance Transfer Card? Press the button below to check out our complete guide with a step-by-step on how to apply.

About Vanquis

Vanquis is a UK bank focused on credit products for a broad range of customers, including people who may not be served by every high-street lender. Its card tools are built around eligibility checks, affordability assessment and digital account management through the Vanquis app.

Why choose the Vanquis Balance Transfer Card?

The main reason to consider this card is the combination of a balance-transfer promotional period and a clear transfer fee. If the card is affordable for you and you repay steadily, it may help simplify several credit card balances into one monthly payment.

The important trade-off is that the promotional period is temporary. Any remaining transferred balance can be charged interest after the offer ends, and missing payments or using the card for other transaction types can add costs. Before applying, compare the transfer fee, the APR you are offered, the amount you can realistically repay each month, and any other charges listed in the issuer's summary box.

Who is this card for?

The Vanquis Balance Transfer Card is for UK residents aged 18 or over with a regular income who want to reduce interest on existing card debt and are comfortable using an eligibility check before applying. It is strongest when used with a repayment plan, not as a way to create new borrowing.