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Fluid 9 Month Balance Transfer Card

Balance Transfer offer duration
9 mths
0% Purchase offer duration
Representative % APR (variable)
34.9% APR
Transfer Fee

Representative Example


If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

What’s Good

Flexible payment dates available
Free text alerts

What’s Bad

Rates vary to up to 49.9% APR (variable) depending on your personal circumstances 
You could get a lower credit limit down to £250
Promotional balance transfer offer only available on balance transfers made within the first 60 days of account opening


TM Connect promotes the Fluid card exclusively with NewDay and acts solely as a credit broker
0% interest for 9 months on balance transfers made in the first 60 days, then 34.94% p.a. (variable). (3% transfer fee in the first 60 days, then 5%)
Credit limits range from £250 to £2,500, depending on your personal circumstances
You can transfer up to 90% of your credit limit
Interest rates (other than promotional rates) are linked to the Bank of England Base Rate


You must be over 18
You must have a permanent UK address
You must have a UK bank account
You must not have had any CCJs in the past 12 months
You must have a minimum income of £5,000
Cannot transfer balances from store cards, any other card provided by NewDay, American Express, Pre Paid, Cashplus or business credit cards

Rates and Fees

Balance Transfer Offertooltip
Intro Rate
0 %
9 months
Transfer Fee
3 %
Purchase Offertooltip
Intro Rate
Annual Interest Ratestooltip
Balance Transfers
34.94 %
34.94 %
Cash Withdrawals
44.94 %
Other Key Facts
Annual Fee
Cash Advance Fees
5 %
Minimum Age
18 years
Minimum Income
Overseas Transaction Fee
2.95 %
What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

We're on a mission to help everyone move their finances forward and gain financial momentum.

TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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