32 Month Balance Transfer Credit Card
19.9% APR Variable rep APR
19.9% p.a. Variable purchase rate
A 1.4% fee applies on balances transferred (minimum €5) within the first 60 days of account opening.*
*At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.
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.
Your card is contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.
Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.
Add your partner or family members over 18 to your account. It's a simple way to get more from your Bank Credit Card.
Make payments to existing beneficiaries and manage your personal accounts easily and securely with the Cloy Merchant Mobile Banking app.
You can use your Bank Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Cloy Merchant cash machines may also charge a fee.
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
To be eligible for a Cloy Merchant Credit Card you need to:
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 a Cloy Merchant credit card within the last six months. Balances can't be transferred from cards issued by other members of the Bank 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.
You just need to provide a few details as part of your application.Apply Now
If you're already registered for online banking you can apply online now.Log on to apply
Call us on:
+1 (873) 389-9136
Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)
Book your appointment to apply in branch by calling
+1 (873) 389-9136
You'll need to bring identification, proof of your address and a recent bank statement
Please note - You can only apply by phone or branch if you are an existing Bank customer.