Aqua Balance Transfer

Can you make an Aqua balance transfer? How do I make an Aqua card balance transfer? Can you make a balance transfer from Aqua card?

The above are all common question that we have recently seen customers looking for answers on the subject of an Aqua balance transfer.

The Aqua credit card is a credit builder credit card which is often used by customers who do not have any credit history, or who have had credit problems in the past. These credit problems may include missed or late payments and also County Court Judgements.

When a customer uses an Aqua credit card responsibly, then it is possible to use the Aqua card to build a stronger credit rating over time. Customers can do this by staying within their given credit limit and making the monthly payments on time, every month.

Can you make an Aqua balance transfer?

Currently, you can make a balance transfer from another credit card to Aqua. You can also make a balance transfer from Aqua to another credit card.

As a credit builder credit card, the Aqua credit card has a higher than average standard rate of interest. The Aqua Classic card has a representative 35.9% APR variable for example, with the Aqua Advance and Aqua Reward cards having a representative 34.9% APR variable.

With Aqua credit cards having such high interest rates, it is unlikely that many customers will look to make a balance transfer to an Aqua card.

Aqua Card Balance Transfer

How do you make an Aqua card balance transfer to another credit card?

Due to the high interest rates on the Aqua credit card, many customers will look to make a balance transfer from Aqua to another balance transfer card, in order to save money.

Transferring an outstanding balance from a credit card charging 35.9% APR to a credit card with a 0% introductory rate on balance transfers does give the customer an opportunity to save money.

Balance Transfer From Aqua?

Many of the current UK balance transfer credit cards will accept an Aqua card balance transfer, ie a balance transfer from Aqua to the new credit card.

However to be accepted for any new 0% balance transfer credit card a customer will need to have an improved credit rating, compared to when they first applied for an Aqua card.

Aqua credit card customers are much more likely to be accepted for a new 0% balance transfer credit card if they can meet all of the following criteria:-

You have had an Aqua credit card for at least 12 months or more
You have made the minimum payment, or more, on time every month
You have no recent late payments on any other bills, cards or loans
You have no recent County Court Judgement’s
You have a low level of other debt in relation to your overall annual income

If you are looking to make Aqua balance transfers to another card, and meet all of the above criteria, then the following featured balance transfer cards are most likely to be suitable for a balance transfer from Aqua:-

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Card Offers

HSBC Purchase Plus*

Balance Transfers:

0% for 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 18 months

Representative APR:

22.9% APR (variable)

Card Details

HSBC Purchase Plus*

0% interest for 18 months on balance transfers made within first 60 days of account opening
2.9% balance transfer fee applies (minimum £5)
0% interest on purchases for 18 months from account opening
At end of promotional period, balance transfers and purchases will revert to standard variable rate
Worldwide offers and discounts with HSBC home&Away
Manage your card online
Annual Fee: None

Application Criteria

HSBC Purchase Plus*

You have an annual income or pension before tax of £6,800 or more
You are a UK resident
You are aged 18 or over
You do not hold an HSBC Basic bank account

Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

Credit is subject to status, affordability and applicable terms and conditions

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

21.9% APR (variable)

Card Details

M&S Shopping Plus*

0% for 20 months on balance transfers made within 90 days of account opening
2.9% balance transfer fee, minimum £5
0% on purchases for 20 months from account opening
Collect M&S points every time you shop anywhere in the world with your card
One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
Manage account online
Annual Fee: None

Application Criteria

M&S Shopping Plus*

You are a UK resident
You have an annual income or pension of at least £6,800
You are aged 18 or over
You have not held a credit card with M&S Bank within the previous 12 months

Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

Purchases:

0% for 4 months

Representative APR:

20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer

0% interest for 24 months for balance transfers made within 60 days
3% balance transfer fee, minimum £5
0% interest on purchases for 4 months from account opening
All successful applicants will receive this exact rate and offer
Online account management
Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer

Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
You are a UK resident
You have annual income of £10,000 or more
You are aged 18 or over

Only available to Co-operative Bank customers

Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

No balance transfers allowed to this card from Co-operative credit cards

Card Offers

HSBC Balance Transfer*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

HSBC Balance Transfer*

0% interest for 29 months on balance transfers made within first 60 days of account opening
2.75% balance transfer fee applies (minimum £5)
0% interest on purchases for 3 months from account opening
At end of promotional period, balance transfers and purchases will revert to standard variable rate
Worldwide offers and discounts with HSBC home&Away
Manage your card online
Annual Fee: None

Application Criteria

HSBC Balance Transfer*

You have an annual income or pension before tax of £6,800 or more
You are a UK resident
You are aged 18 or over
You do not hold an HSBC Basic bank account

Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

Credit is subject to status, affordability and applicable terms and conditions

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Post Office Classic

Balance Transfers:

0% for up to 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for up to 12 months

Representative APR:

34.9% APR (variable)

Card Details

Post Office Classic

0% on balance transfers for up to 18 months
2.9% balance transfer fee
0% on purchases for up to 12 months
Credit limit up to £8,000
Online account management
Annual Fee: None

Application Criteria

Post Office Classic

You are a UK resident
You have a bank or building society account
You are aged 18 or over

Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

No balance transfers allowed to this card from Capital One or Post Ofice credit cards

The Aqua credit cards are issued as credit cards which use the MasterCard payment network for payment processing. However you can make an Aqua balance transfer to either another MasterCard credit card or to a Visa credit card.

Aqua Balance Transfer