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Virgin Money 32 Month Balance Transfer

Balance Transfer offer duration
32 months
Transfer Fee
0.6 %
Representative APR (variable)
19.9 % APR
You'll save
£905
  • 0% interest on balance transfers for 32 months, then 19.9% APR (variable) – 0.6% fee on transfers made in first 60 days, then 5%
  • 0% interest on money transfers for 32 months, then 19.9% APR (variable) – 4% fee on transfers made in first 60 days, then 5%
  • 0% interest on purchases for 3 months, then 19.9% APR (variable)

See how much you'll save

Balance To TransferWhat is the value of the credit card balance(s) that you plan to transfer ?
Monthly RepaymentHow much of the balance do you plan to pay off in the average month?
Your Current % APRIf you are unsure then use 18% to see an average result

You'll save 905

See how we calculate this
Interest savedInterest savedThe interest saved over the length of the 0% deal compared to borrowing on a card with your current APRClose over the 0% period£923
Transfer feeTransfer feeThe one off handling fee that you will have to pay if you transfer a balanceClose£18
Annual feeAnnual feeSome cards charge an annual fee, although the majority are fee freeClose£0

You'll save

£905

We calculate the interest you would save by holding your balance on the new 0% interest card instead of your current card, taking into account the transfer fee, over the length of the 0% offer.

We assume you won’t do any spending on the card as this is usually charged at a different rate. For a full list of assumptions click here

Rates & Fees

  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card. Rates and duration can differ depending on individual circumstanceClose
    Intro RateIntro RateThe lowest interest rate you will be charged over the balance transfer period on any balance transferred to the card depending on individual circumstanceClose0 %
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardClose32 months
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balanceClose0.6 %
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the cardClose
    Intro RateIntro RateThe lowest interest rate you will be charged over the purchase period on any new spending on the card depending on individual circumstanceClose0 %
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingClose3 months
  • Annual Interest RatesStandard APRsThe Annual Interest Rate is the lowest interest rate that you will be charged on different types of borrowing after the end of any introductory offers. However, you may be charged higher rates depending on individual circumstance.Close
    Balance TransfersBalance TransfersThe lowest interest rate you will be charged on balance transfer after the end of any introductory offers depending on individual circumstance.Close19.9 %
    PurchasesPurchasesThe lowest interest rate you will be charged on new spending after the end of any introductory offers depending on individual circumstance.Close19.9 %
    Cash WithdrawalsCash WithdrawalsThe lowest interest rate you will be charged on any cash withdrawals you make with the card depending on individual circumstance.Close27.9 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freeClose£0
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as feeClose5 %
    Minimum Age18 years
    Minimum Income£0
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as feeClose2.99 %