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Fluid 9 Month Balance Transfer

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Balance Transfer offer duration
9 mths
0% Purchase offer duration
N/A
Representative % APR (variable)
34.9% APR
Transfer Fee
4%

Representative Example

Tooltip

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

0% interest for 9 months on balance transfers made in the first 60 days, then 34.9% p.a (variable). (4% transfer fee in the first 60 days, then 5%)
9 month balance transfer offer if accepted for this card
Flexible payment dates available
Free text alerts

What's Bad

Rates vary to up to 59.9% 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
Customers cannot transfer balances from store cards, any other card provided by NewDay, American Express, Pre Paid, Cashplus or business credit cards

Features

TM Connect promotes the Fluid card exclusively with NewDay and acts solely as a credit broker
0% on balance transfers for 9 months (4% fee applies), then standard balance rate
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

Eligibility

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

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
Tooltip
0 %
Duration
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9 months
Transfer Fee
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4 %
Purchase OfferTooltip
Intro Rate
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n/a
Duration
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n/a
Annual Interest RatesTooltip
Balance Transfers
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34.94 %
Purchases
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34.94 %
Cash Withdrawals
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44.94 %
Other Key Facts
Annual Fee
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£0
Cash Advance Fees
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5 %
Minimum Age
18 years
Minimum Income
Not Specified
Overseas Transaction Fee
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2.95 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Coronavirus help and support

You can find more information about coronavirus help and support here.

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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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