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Virgin Money 12 Month Balance Transfer Card - Guaranteed 23.9% APR

Balance Transfer offer duration
12 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
23.9% APR
Transfer Fee

Representative Example


If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

What’s Good

Virgin Money Cashback lets you earn cashback on your credit card spending at participating retailers. Sign up in the mobile app.
You are guaranteed to get the APR shown, if accepted
You are guaranteed to get the offer period, if accepted
No annual fee

What’s Bad

After the first 60 days, the balance transfer fee rises to 5.00%
You can't transfer a balance from another card issued by Clydesdale Bank PLC
Balance transfers and money transfers must be made within the first 60 days to get the promotional offer


0% interest on balance transfers for 12 months, then 23.9% p.a. (variable) - 1% fee on transfers made in the first 60 days, then 5.00%
0% interest on purchases for 3 months, then 23.9% p.a. (variable)
0% interest on money transfers for 12 months, then 25.9% p.a. (variable) - 4.00% fee on transfers made in the first 60 days, then 5.00%


Must be aged 18 or over
Must be a UK resident
Must have a UK bank or building society account
Must have a good credit history
Must have an annual income of £7,000, or household income of at least £15,000
Must not be bankrupt, in an IVA, have CCJs or defaults

Rates and Fees

Balance Transfer Offertooltip
Intro Rate
0 %
12 months
Transfer Fee
1 %
Purchase Offertooltip
Intro Rate
0 %
3 months
Annual Interest Ratestooltip
Balance Transfers
23.9 %
23.9 %
Cash Withdrawals
29.9 %
Other Key Facts
Annual Fee
Cash Advance Fees
5 %
Minimum Age
18 years
Minimum Income
Overseas Transaction Fee
2.99 %
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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