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Balance Transfers
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Save money with 0% p.a. for 12 months on balance transfers.


Transfer a balance from a store or credit card to your new Ryanair Credit Card and you’ll benefit from 0% p.a. interest for 12 months (2.99% fee applies).

The table below shows how much you could save by transferring your balance today.
Typical 16.9% APR variable

Credit Card Issuer

APR

£500

£1000

£2000

Barclaycard Flexirate

14.9%

£66

£132

£264

Natwest Classic

16.9%

£75

£150

£299

Tesco Clubcard

16.9%

£72

£144

£287

HSBC

16.9%

£74

£148

£295

This is an illustration of how much interest you could save if you transfer a balance from the above credit cards to your Ryanair Credit Card. The figures shown are the interest you could save when maintaining that balance for 12 months based on this promotional balance transfer rate. They assume the minimum monthly payment for each card issuer is £5 or 2.25% for Barclaycard Flexirate and Natwest, £5 or 3% for Tesco Clubcard and £5 or 2.5% for HSBC. The calculation of savings assumes that for competitors cards the standard rates apply and excludes any short-term offers. All competitor data is correct as at September 2009. Source of competitor information is www.moneysupermarket.com



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Privacy Policy | Accessibility | Terms and Conditions | Legal Notice

UK flag Credit is provided subject to status to UK residents aged 18 years and over. Credit provided by Santander Cards UK Limited. Registered office: 2 Triton Square, Regent’s Place, London, NW1 3AN. Registered in England and Wales. Registered number:1456283. Retailer is Ryanair Limited, an Irish Registered Number 104547, located at Ryanair Corporate Head Office, Dublin Airport, Co. Dublin, Ireland.

*To benefit from the 0% rate you must make your payments on time and not exceed your credit limit. If you fail to do so we may charge the standard Retail Purchases rate instead of the introductory rate. At the end of the 0% rate period, if you haven’t paid off the transferred balance amount in full, interest will become payable on the remaining amount at your then current standard Retail Purchases rate. The rate of 0% p.a. for 12 months applies to Balance Transfers that you transfer to your Ryanair Credit Card within 6 weeks of signing your Credit Agreement. The Balance Transfer handling fee is 2.99%. Your monthly payments will be allocated to Balance Transfers with a 0% interest rate before other Balance Transfers, Retail Purchases and Cash Transactions which are charged at a higher rate. You cannot transfer balances from a card provided by Santander Cards UK Limited or Santander Consumer Credit Services Limited. Only UK credit balances may be transferred and all transfers are subject to our approval. You can transfer any amount from £100 up to your available credit limit (less £100 and the amount of your handling fee). All or part of the balances(s) requested will be transferred subject to your available credit limit. A Balance Transfer can take up to 15 days to be completed. You should continue making monthly repayments to your existing card providers, until the transfer shows on your account with them. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. The handling fee will be shown on your monthly statement following the transfer. The Balance Transfers will not be processed until after you have activated the Card. We reserve the right to withdraw these offers at any time.

**Subject to exclusions and terms. Click here for flight offer terms and conditions.