Barclaycard Platinum With Balance Transfer (34 Mths)
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 34 months
2.99% fee
27.9% p.a.
2.99% fee (min £2.99)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.99% by a refund. (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
MBNA Platinum Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 32 months
2.69% fee
27.9% p.a.
5% fee (min £5)
18.9% APR
0% on money transfers for 32 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2014.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 33 months
2.9% fee
24.9% p.a.
3% fee (min £3)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Sainsbury's Bank Nectar Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 18 months
3% fee
26.0% p.a.
3% fee (min £3)
18.9% APR
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
MBNA Everyday Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 21 months
1.5% fee
27.9% p.a.
5% fee (min £5)
15.9% APR
0% on money transfers for 21 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2014.
Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 12 months24.9% p.a.
3% fee (min £3)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Aqua Classic Card (29.7%) - Semi Excl
Balance TransfersCash WithdrawalsRepresentative APR (variable)
-39.9% p.a.
3% fee (min £3)
29.7% APR
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year. Get a response in 60 seconds.
Representative Example: The standard interest rate on purchases is 29.71% p.a. (variable). So if you borrow £1,200 the Representative APR will be 29.7% APR APR (variable).
Vanquis Visa Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
-49.9% p.a.
3% fee (min £3)
39.9% APR
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit.
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable). So if you borrow £1,000 the Representative APR will be 39.9% APR APR (variable).
Sainsbury's Bank Nectar Low BT Fee Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 12 months
0.5% fee
26.0% p.a.
3% fee (min £3)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Capital One Classic Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
-34.9% p.a.
3% fee (min £3)
34.9% APR
A quick response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR APR (variable).
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 28 months
1.5% fee
19.0% p.a.
3% fee (min £3)
18.9% APR
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Tesco Bank Clubcard Credit Card for Purchases
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 3 months
2.9% fee
24.9% p.a.
3% fee (min £3)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
MBNA Low Rate Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
6.5% variable27.9% p.a.
5% fee (min £5)
6.6% APR
Representative Example: The standard interest rate on purchases is 6.5% p.a. (variable). So if you borrow £1,200 the Representative APR will be 6.6% APR APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 33 months
2.89% fee
26.0% p.a.
3% fee (min £3)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Barclaycard Platinum Purchase
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 19 months
2.49% fee
27.9% p.a.
2.99% fee (min £2.99)
18.9% APR
A fee of 2.9% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Barclaycard Platinum With Balance Transfer (33 Mths)
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 33 months
2.79% fee
27.9% p.a.
2.99% fee (min £2.99)
18.9% APR
A fee of 3.5% will be applied, then reduced to 2.79% by a refund (terms and conditions apply).
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 25 months
1.99% fee
24.9% p.a.
3% fee (min £3)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR APR (variable).
Capital One Classic Platinum Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
-29.8% p.a.
3% fee (min £3)
29.8% APR
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable). So if you borrow £1,200 the Representative APR will be 29.8% APR APR (variable).
Post Office Credit Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
0% for 18 months
2.98% fee
24.9% p.a.
2.5% fee (min £3)
17.8% APR
0% commission on purchases made overseas.
Representative Example: The standard interest rate on purchases is 17.8% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.8% APR APR (variable).
Capital One Classic Extra Card
Balance TransfersCash WithdrawalsRepresentative APR (variable)
-34.9% p.a.
3% fee (min £3)
34.9% APR
A quick response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 34.9% APR APR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

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How to Withdraw Cash with a Credit Card

by DaisyLill

If you've ever wondered 'what is a cash advance?' or 'how do I do a cash advance' this guide is for you. We run through the basics of advance cash and also explain what alternatives there are on offer.

Atm Card

Credit cards often take a bashing when you're spending the day shopping, or perhaps doing a bit of late night browsing online. However, many also offer the facility to provide a credit card cash advance, even if this isn't quite as widely used.

How a cash advance credit card works

Getting cash from your credit card should be the exception rather than the rule, but there are undoubtedly circumstances when it's a necessity.

Whether you are stranded and need money to get home, are using your card abroad or just need some money to get you through a lean period, a cash withdrawal credit card can sometimes be a useful, if expensive way to get funds.

When you make a cash advance on a credit card you're essentially borrowing money as cash from your provider. 

You can head to the nearest ATM bearing the symbol which matches your card (nearly all should be compatible in reality), insert your card and your PIN number and then take your cash just as if you were using a debit card. It's that simple!

Well, almost.

Unlike using a debit card, cash advance fees and hefty interest rates apply when you withdraw money from your credit card and in most cases these can be quite substantial, especially overseas.

If you compare credit card cash advance fees you will be able to find a list of the relative charges. Not only will you frequently have to pay a sizeable fee for making the withdrawal you will have to swallow a much higher rate of interest too. 

We take a closer look at what you will have to pay below.

Is there such a thing as a 0% cash advance credit card?

Unfortunately, lenders know exactly how to hit customers where it hurts and the time of your greatest need is also likely to work out to be the most expensive.

At the time of writing, there are no providers currently offering interest free credit card cash advances. Whether it's a MasterCard or Visa cash advance fee charges are substantial and usually include both a one-off fee plus higher ongoing rates of interest.

Firstly you will have to pay a withdrawal fee; this is usually a percentage of the amount you are taking out but is subject to a minimum limit too, typically between 3-5. Then you will have to pay more on the APR interest on cash advances too; most lenders currently charge around 27% even when their 'normal' APR is as low as 12.9%.

And as if the above two factors weren't enough to deal with, most lenders don't offer an interest-free grace period for cash advances as they do with purchases. This means you will start accumulating charges straight away, even if you plan on repaying the cash advance at the end of the month.

If you have been wondering 'do cash advances show on your credit card statement?' the answer is yes. Even though each provider will itemise and list expenditure differently, because the rates which apply are not the same as the standard charges, this type of withdrawal will show separately.

There isn't really such a thing as a cheap credit card cash advance but if you think it's a facility you might need, carrying out a credit card with cash advance comparison really is absolutely vital. With such sky-high charges, finding the provider who is offering the most competitive rates is really important.

How do I get cash from my credit card without a cash advance?

Because cash advance with no fees is at present not available on credit cards, you may well want to avoid this facility other than in an emergency. However, you may still need access to cash, rather than just credit.

There is a way around this: direct transfer from your credit card to your bank account.

An increasing number of lenders now provide the facility to move money from your credit card directly to your bank account. Although charges will apply, it still works out much cheaper compared to cash advance charges on credit cards.

This facility isn't much help in an emergency but if you are able to plan slightly in advance, you can arrange for the cash you need to be moved from your credit card to your bank account to cover those all-important costs.

And just to sweeten the deal even further, if you have a decent credit rating you could even qualify for a 0% money transfer which could allow you to pay off your overdraft or other borrowing at a lower rate. Certainly an alternative worth investigating although you won't be able to draw on the money quite as quickly as if you went to an ATM.