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Fluid 9 Month Balance Transfer

Max Credit Limit
£2,500
Representative APR (variable)
34.9 % APR
  • 0% on balance transfers for 9 months (4% fee applies)
  • Rates vary up to 59.9% APR (variable)
  • Credit limits up to £2,500
Check My Eligibility

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 & 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 circumstance
    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 circumstance0 %
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the card9 months
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balance4 %
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe lowest interest rate you will be charged over the purchase period on any new spending on the card depending on individual circumstancen/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • 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.
    Balance TransfersBalance TransfersThe lowest interest rate you will be charged on balance transfer after the end of any introductory offers depending on individual circumstance.34.94 %
    PurchasesPurchasesThe lowest interest rate you will be charged on new spending after the end of any introductory offers depending on individual circumstance.34.94 %
    Cash WithdrawalsCash WithdrawalsThe lowest interest rate you will be charged on any cash withdrawals you make with the card depending on individual circumstance.44.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee free£0
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee5 %
    Minimum Age18 years
    Minimum IncomeNot Specified
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.95 %

What do 'pre-approved' and 'card 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).

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

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