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Rates & details

Esbank Credit Card: long term balance transfer summary box

The table below explains how interest rates and charges are calculated on our long term balance transfer offer. Balance transfers at 0% must be made within 3 months from account opening. The information contained in this table summarises key features and is not intended to replace any terms and conditions.

Introductory rates

Introductory rates
APR Representative 

17.9% APR

Other rates from 17.9% to 19.9% APR apply depending on individual circumstances.
Interest rates Introductory rates Monthly rate Annual rate
from to from  to
Purchases 0% p.a. for 3 months* on purchases 1.385% 1.527% 17.9% 19.9% 
Cash withdrawals
2.075% n/a 27.9%  n/a
Balance transfers 0% p.a. for 26 months* on balance transfers
1.527% 17.9% 19.9% 
Balance transfer fee 2.4% (minimum £5)

*Introductory rates apply from the date the account is opened. Balance transfers at 0% must be made within 3 months from account opening and are subject to a fee of 2.4% (minimum £5). Esbank reserves the right to withdraw, vary or extend these offers at any time. If you already hold a Esbank credit card or have closed one in the last 12 months you will not be eligible for the introductory offers.

Interest-free period
  • Maximum 56 days for purchases if you pay the total of all non-promotional balances on your statement in full and by the due date.
  • No interest-free period on balance transfers or cash withdrawals. Interest on balance transfers and cash withdrawals will be charged at the rates shown above.
Interest charging information From Until
Purchases date transaction applied to your account
statement balance, excluding any promotional balance transfers, paid in full
Cash withdrawals date transaction applied to your account statement balance total paid in full
Balance transfers date transaction applied to your account statement balance total paid in full

Interest is calculated daily on the account balance. You will not pay interest on new purchases if you pay your statement balance, excluding any promotional balance transfers, in full and on time. Otherwise, the period over which interest is charged is as above. The transaction date is the date the amount appears on your account.

Allocation of payments We will apply payments to debt bearing the highest interest rate first and, subsequently, to debt bearing lower interest rates in a high to low interest rate order. We will apply payments in this order, first to debt shown on your current statement and then to any debt which has not yet appeared on your statement.
Minimum payments
  • Where there is a balance on the account, you must pay us a minimum monthly payment equal to (i) any default charges and interest due on your statement plus 1% of the remaining statement balance, or (ii) £25, whichever is higher.
  • If the balance is less than £25 you must pay what you owe us in full.
Credit limit

Minimum credit limit

Maximum credit limit Subject to status
Fees No annual fee
Cash fee 2.5% (minimum £3.00) of the amount withdrawn on each cash advance.
Balance transfer fee 2.4% (minimum £5.00) of the amount of each balance transfer.
Copies of statements £5 for one copy and £10 for two or more copy statements, unless we tell you that a charge is not payable.
Card replacement If any card on your account is lost, stolen or damaged, we will replace it free of charge twice in a 12 month period. For each and every replacement card issued after that in this period you will be charged £10 per card.
Foreign usage
Compare the costs of using your card abroad
Visa Exchange Rate
Rates can be found at Visa Europe exchange rate
One or more of the following may apply:
Non-Sterling Transaction Fee
2% of the transaction amount that is not covered by any commission-free allowance you may have earned.
Cash Fee
2.5% (min £3.00) of the amount withdrawn on each cash advance
Late payment fee £12.00
Over limit fee £12.00

Read the full Esbank Credit Card terms and conditions (PDF) and compare the costs of using your credit card abroad. Esbank subscribes to the Lending Code, find out what this means with the The Lending Code PDF guide.

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Credit cards are available to those aged 18 or over and are subject to your circumstances. Esbank subscribes to the Lending Code. For more information on the Lending Code please visit

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