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

TSB Platinum Purchase

Balance Transfers:

0% for up to 20 months

Balance Transfer Fee:

2.95%

Purchases:

0% for up to 20 months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Purchase

0% interest for up to the first 20 months on balances transferred within first 90 days
2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
0% interest on purchases for up to the first 20 months
Internet fraud protection and Clicksafe
Online card servicing
Annual Fee: None

Application Criteria

TSB Platinum Purchase

You are an existing TSB customer
You are not currently declared bankrupt, have CCJs or subject to IVA
You have a good credit rating and regular income
You are a UK resident
You are aged 18 or over

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

No balance transfers allowed to this card from TSB 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

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

Purchases:

0% for 26 months

Representative APR:

21.7% APR (variable)

Card Details

Santander All in One

0% interest on balance transfers for 26 month from date account opened
0% balance transfer fee
0% interest on purchases for 26 month from date account opened
0.5% cashback on all of your purchases
No foreign transaction fee on purchases made abroad in local currency
Cashback through Retailer Offers
Monthly Fee: £3

Application Criteria

Santander All in One

You are a permanent UK resident
You have a good credit history with no history of bad credit
You have an income of £7,500 per year or more
You are at least 18 years of age

Monthly fee of £3 payable

Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable

No balance transfers allowed to this card from Santander credit cards

Card Offers

Sainsbury’s Dual Offer

Balance Transfers:

0% for up to 20 months

Balance Transfer Fee:

Purchases:

0% for up to 20 months

Representative APR:

20.9% APR (variable)

Card Details

Sainsbury’s Dual Offer

0% interest on balance transfers for up to 20 months
3% balance transfer fee, minimum £3 on transfers made at application
0% interest on purchases for up to 20 months
Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
Collect 1 Nectar point for every £5 spent on your card elsewhere
Online account management
Annual Fee: None

Application Criteria

Sainsbury’s Dual Offer

You have a permanent UK address
You have not been declined for credit in the last month
You do not have a history of bad credit
You are aged 18 or over

To apply for a credit card you must be a Nectar member and should have been one for at least 6 months

Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

No balance transfers allowed to this card from Sainsbury’s 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