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How to balance transfer from Aqua Card to Zable

Article author

Anushka

Jun 6, 2025

5 min read

A balance transfer is a great way to save money on interest payments and manage your credit card debt more effectively. If you currently have an Aqua card but want to take advantage of Zable's benefits, a balance transfer can be a smart move. In this guide, we’ll walk you through the process of transferring your balance.

What is a balance transfer credit card?

A balance transfer credit card enables a person to move debt from one or more existing credit cards to a new card with a 0% interest period. Our fee is £3 or 3% of the balance transferred, whichever is higher. With Zable's balance transfer card, you can benefit from interest-free payments for 6 months - helping you save money while paying off your balance.

When your 6 month promotional period ends, remember that any remaining balance will begin to accrue interest at your purchase rate.

What exactly are Zable’s fees?

0% interest on balance transfers for 6 months 3% balance transfer fee (or £3, whichever is higher) Representative 34.9% APR (variable) on purchases

Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable).

Why transfer your balance to Zable?

Transferring your balance from an Aqua card to Zable can be beneficial for several reasons:

Debt consolidation - simplify your finances by combining your debt with a promotional rate. Increase your credit score - making on time payments could help your credit score.

All you have to do is provide us with the long card number written on the front, no faff - Zable handles the rest!

The details

Zable will send you an authorisation request that you can approve in your Aqua app. So, once your details have been confirmed successfully, we will settle your Aqua balance so you can start your journey with us.

Step-by-step guide: How to transfer your balance

  1. Check your eligibility and get a decision without hurting your credit score

  2. Complete our easy online application in just two minutes

  3. If accepted, start the process to transfer your exist credit card balance to Zable and manage your transfers via our app

  4. Now, you can keep track of your finances in real-time: set up automatic payments for your balance, and get instant notifications.

FAQs

How long does the balance transfer take? Balance transfers can take a few days to process, depending on your application.

Are there any fees associated with transferring to Zable? Our fee is £3 or 3% of the balance transferred, whichever is higher.

Can I transfer a partial balance? Yes, you can choose to transfer any amount of your Aqua card balance in the Zable app.

Transferring your balance from an Aqua card to Zable can help you save money, simplify your finances, and take better control of your debt. Make sure to review the terms and conditions carefully before proceeding and manage your credit responsibly.