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Halifax: Balance Transfer Credit Card reviews

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4.56
Based on 63 reviews, last reviewed 17th Apr 2026
600% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
64%
See only 4 star reviews
27%
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5%
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2%
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2%

Latest highest rating:

5

I enjoy my credit card. I enjoy my credit card. It is reliable. Sturdy. Has offers when i log in and need them. Its helpful with it being in the app with other providers too. Reviewed on: 17th April 2026
Elizabeth P's avatar
Elizabeth P

Latest lowest rating:

2

Customer service is lacking The app works well, but when I closed my credit card to help my credit rating, some four months later they’ve still not updated the credit agencies. I... Read more Reviewed on: 5th February 2021
Vanessa Armond's avatar
Vanessa Armond
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About this product

Halifax Balance Transfer Credit Card reviews can help you to find out about the pros and cons of the Balance Transfer Credit Card credit card. What kind of features do Halifax customers like? Find out more about the Halifax Balance Transfer Credit Card by reading our trusted Smart Money People reviews. You can also write your own Halifax Balance Transfer Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Halifax Balance Transfer Credit Card reviews (63)

One minor improvement...

4
I have been happy with my balance transfer card overall, however I would like to know at what date I will start paying interest following a 0% offer. Reviewed on: 27th August 2015
TommH's avatar
TommH

Easy application

5
Applying for a Halifax credit card was perhaps the simplest financial application I have done. A few simple details, and I was given an instant approval. I was kept informed about the status of my application via emails and my card, PIN number and online banking details arrived promptly. I would recommend! Reviewed on: 21st April 2015
Rachel Murray's avatar
Rachel Murray

Dated online GUI, slow service but excellent product.

3
In order for you to understand my experience I must first explain that I am a consultant and tend to travel a lot for work. For this reason I have a clarity credit card (Its an amazing offering and probably the best card to travel with.) However communication can be an issue when traveling. having traveled to San Francisco for 4 months I wanted to rely on the online interface that Halifax provide. This was a mistake. I was immediately having LOTS of trouble getting it up and running resetting the account access code while in San Francisco, (this is sent to you by post to your account address, so that was useless). I thought I would be all good to go, but I had forgotten my memorable data (as some people often do) so a long 45 min long distance skype call later I discovered I had to reset, not just my memorable data but also my password and then do the whole postal code thing again! so that is the end of trying to use online banking. Calling Halifax is an interesting affair, I have come to realize if you want to get hold of a human within a reasonable time you MUST phone during the week at 8-5 (working hours) otherwise you could be waiting a while. Once they do pick up its usually an EXTREMELY choppy line that you can not hear anything on and greeted by someone who asks if they can call you Mr *FIRST NAME* but ill be honest, once you make out what the agent is saying through the bad phone line they get the job done as quickly as possible and are very understanding. My last thoughts are that I can provide a side by side comparison of notifying the bank about traveling with my credit card and I do this for more than one card when going traveling. Halifax by far take the longest to get through to and complete the task. other banks (I shall not name them) will have it done within 5 mins or (usually) less of dialing their number. Reviewed on: 14th January 2015
Phatty's avatar
Phatty

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