From time to time, we may send you a special balance transfer offer. These offers will normally have a set expiry date by which you’ll need to transfer your balance(s) to take advantage of the offer. In this case, there may be a fee for balances transferred. We’ll always clearly disclose if there’s a fee before you request a balance transfer. If you’d like to transfer a balance at your standard balance transfer rate, you will not be charged a fee.