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Balance transfer credit card

Our longest balance transfer offer

18.9% APR Representative (variable)

Balance Transfer Credit Card

Transfer balances from existing credit or store cards onto the AA Balance Transfer Credit Card.

Transfer balances from existing credit or store cards onto the AA Balance Transfer Credit Card.

Card offer:
  • 0% for up to 35, 26 or 18 months when a balance transfer is made in the first 3 months, depending on individual circumstances. A 2.85% balance transfer fee applies.
  • 0% for 3 months on purchases from account opening.
  • No annual fee.
Important information:
  • Your APR will be based on your individual circumstances.
  • A balance transfer fee of 2.85% will be applied, which will increase the amount you owe.
  • Pay on time each month and stay within your credit limit to keep your promotional rates.
  • When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate.
Please read before applying:

Charges and summary box

Terms and conditions

Representative example:

Representative (variable): 

18.9% APR

Purchase rate (variable): 

18.9% p.a.

Assumed credit limit:



No annual fee
Need some help?

0800 032 2004†

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm, bank holidays 10am to 5pm.

Report a card lost or stolen

0800 028 8997

From abroad: 0044 800 028 8997

Lines are open 24/7. If we detect potential fraud on your account, we'll contact you securely by text or email.

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

Please read the Statement of Lender and Borrower Responsibilities which sets out our key responsibilities.

† Calls to 0800 numbers are free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.