Super Balance Transfer Cards

What are super balance transfer cards? Super balance transfer cards are credit cards which not only allow a credit card customer to make a normal balance transfer to pay off a credit card, but also allow a card holder to make a 0% money transfer directly into their bank account. Super Balance Transfer Cards

When a credit card customer requests a standard balance transfer, the money is transferred directly to the other credit card company to pay off the outstanding debt on the customer’s credit card.

With super balance transfer cards, when a customer requests a 0% money transfer, the money is transferred directly into the customer’s bank account.

Super balance transfer credit cards give credit card customers a choice in how to use the 0% promotional balance transfer offers, available for up to 18 months, on certain balance transfer cards.

Super balance transfer cards can be used for example to clear an overdraft or pay off an outstanding loan with the money transferred into the customers bank account.

Super Balance Transfer Cards

There are currently over 110 UK 0% balance transfer credit cards available online. However only a small number of these credit  cards are super balance transfer credit cards which allow 0% money transfers.

The following featured Post Office credit cards are super balance transfer credit cards which allow 0% money transfers, although this is not promoted anywhere on their web site.

Card Offers

Post Office Platinum*
Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
17.8% APR (variable)
More Information

Card Details

Post Office Platinum*
  • 0% on balance transfers for 18 months
  • Initial 2.98% balance transfer fee reduced to 0% after refund
  • 0% on purchases for 3 months
  • No fees on purchases overseas
  • No cash fee when you purchase Post Office Travel Money
  • Online account management
  • Annual Fee: None
  • More Information

Application Details

Post Office Platinum*
Has the following application criteria:-
  • You are a UK resident
  • You have a bank or building society account
  • You have a gross annual income of £15,000 or more
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

Initial 2.98% balance transfer fee reduced to 0% after refund
Representative Example: 17.8% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 17.8% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

Card Offers

Post Office Matched*
Balance Transfers:
0% for 16 Months
Balance Transfer Fee:
2.98%
Purchases:
0% for 27 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Matched*
  • 0% on balance transfers for 16 months
  • 2.98% balance transfer fee
  • 0% on all purchases for 27 months when transaction made within 3 months
  • No cash fee when you purchase Post Office Travel Money
  • Free purchase protection insurance
  • Annual Fee: None
  • More Information

Application Details

Post Office Matched*
Has the following application criteria:-
  • You are a UK resident
  • You have a bank or building society account
  • You have a gross annual income of £8,000 or more
  • You are aged 18 or over
If you meet these criteria, then please click here for More Information

0% on all purchases for 27 months when transaction made within 3 months
Representative Example: 18.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

With a super balance transfer card, the money transfer or “super balance transfer” is repaid in the normal way with monthly repayments.

Super balance transfer card customers need to make at least the minimum payment each month to the credit card company. No interest will be charged for the duration of the 0% introductory period, provided all the balance transfer terms and conditions are followed.

The balance transfer fees on super balance transfer credit cards are often around 1% higher for making a money transfer into your bank account, when compared with making a standard balance transfer to another credit card.

Super balance transfer cards can also often be referred to as a money transfer credit card or alternatively as a cash transfer credit card.

Today Balance Transfer Expert has:-

  • 0% balance transfers for up to 40 months with a 2.95% fee
  • 0% balance transfers for up to 32 months with a 1.14% fee
  • 0% balance transfers for up to 23 months with no fee

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