Skip to main content

Virgin Money 30 Month Balance Transfer Card - Guaranteed 21.9% APR

Balance Transfer offer duration
30 mths
0% Purchase offer duration
3 mths
Representative % APR (variable)
21.9% APR
Transfer Fee

Representative Example


If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

What's Good

20% off Virgin Experience Days, plus many more Virgin Group discounts. Terms Apply.
Virgin Money Back 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 you're accepted
No annual fee

What's Bad

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 30 months, then 21.9% p.a. (variable) - 2.95% fee on transfers made in the first 60 days, then 5.00%
0% interest on purchases for 3 months, then 21.9% p.a. (variable)
0% interest on money transfers for 12 months, then 23.9% p.a. (variable) - 4.00% fee on transfers made in the first 60 days, then 5.00%
No annual fee
This product is also offered with guaranteed 23.9% or 25.9% APR, depending on your circumstances


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 %
30 months
Transfer Fee
2.95 %
Purchase OfferTooltip
Intro Rate
0 %
3 months
Annual Interest RatesTooltip
Balance Transfers
21.9 %
21.9 %
Cash Withdrawals
27.9 %
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?

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.

TotallyMoney Logo

We're on a mission to improve the UK's credit score and help people move on up to a better future.

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.

We use cookies as described in our Cookie Policy. Continue browsing or click to accept.