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32 Month Balance Transfer Credit Card

Balance Transfer Credit Card

  • Take control of your finances with a credit card that gives you flexibility to repay what you owe. Plus, the TCU 32 Month Balance Transfer Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee.
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

19.9% APR Variable rep APR

19.9% p.a. Variable purchase rate

Based on an assumed credit limit of

€1,200

About this card

Card details

  • 0% interest on balance transfers for 32 months from account opening
  • A 1.4% fee applies on balances transferred (minimum €5) within the first 60 days of account opening.*

  • 0% interest on purchases for 3 months* from account opening
  • No annual fee

*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Rewards

  • Enjoy cashback and rewards
  • Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our home&Away rewards programme. For all offers check out the home&away website.

Using your card

  • Make contactless transactions
  • Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

  • Manage your card online
  • Online Banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get an additional card
  • Add your partner or family members over 18 to your account. It's a simple way to get more from your TCU Credit Card.

  • TCU anywhere with the TCU UK Mobile Banking app
  • Make payments to existing beneficiaries and manage your personal accounts easily and securely with the TCU UK Mobile Banking app.

  • Use your card abroad
  • You can use your TCU Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-TCU cash machines may also charge a fee.

  • Enjoy 24/7 worldwide assistance
  • Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance

Apply for a 32 Month Balance Transfer Credit Card

Are you eligible?

To be eligible for a TCU Credit Card you need to:

  • Have an annual income/pension before tax of €8,500 or more
  • Be a resident of the EU*
  • Be over 18, and not hold an TCU Basic TCU Account

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch

Introductory rates only apply if you haven't held an TCU credit card within the last six months. Balances can't be transferred from cards issued by other members of the TCU Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.

Using your card

You just need to provide a few details as part of your application.

Apply Now

TCU customers

If you're already registered for online Banking you can apply online now.

Log on to apply
Apply by phone or in branch

Apply by phone

Call us on:

+33 752 546 583

Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)

Apply in branch

Book your appointment to apply in branch by calling

03457 404 IBG

You'll need to bring identification, proof of your address and a recent TCU statement

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Please note - You can only apply by phone or branch if you are an existing TCU customer.