Balance transfer calculator


	Choose a credit card

	Apply online for a credit card now

You could save on interest charges on hire purchases, store cards, or another bank's credit card or personal loan, by transferring the debts to a Westpac credit card instead.

Calculate how much you can save

Given the information you've supplied, it doesn't look like transferring this balance would save you much, if anything.

you might want to check that the interest rate you entered is correct and try again
or, contact Westpac to discuss how we can save you money on your card

> visit your nearest Westpac Branch

> or call us on 0800 888 111

Recalculate savings

Your outstanding balance Transferring your balance to Westpac

Amount to transfer $

Your current interest rate % p.a.

Amount to transfer $

Balance transfer rate 5.95% p.a.

Transferring your balance could save you:
$ over 6 Months,* or
$ over 12 Months, *

Unlike many other balance transfer deals, this rate doesn’t expire after six months – so you’ll pay the same low rate on the transferred balance, until it’s paid off. So why not start now.

Want to go ahead and transfer your balance?

> download the credit card balance transfer application

> or visit your nearest Westpac Branch

> or call us on 0800 888 111 (24 hours, 7 days a week)

If you don't have a Westpac credit card yet, you can apply online now or download a credit card application form

> apply online for a credit card now

> download a credit card application form now

> download a Titanium MasterCard� application form now

> visit your nearest Westpac branch

> or call us on 0800 888 111 (24 hours, 7 days a week)

Balance Transfer terms and conditions
1.You must continue to make payments to any account from which you transfer a balance until you have confirmation that the account has been credited. Westpac accepts no liability for late payments, or any other payments arising from your other account, or the closing of your other account.
2. Your Westpac card must remain within its credit limit. Westpac credit card standard terms of use apply.
3. Balances may be transferred from New Zealand issued Visa, MasterCard, American Express (Centurion Finance) and Diners Club Cards. Balances may also be transferred from other financial organisations at Westpac’s discretion, including but not limited to Hire Purchases accounts, Store Cards, and other Bank’s personal loans. You cannot transfer a balance from a Westpac card or loan. You are responsible for any residual interest charges or late transactions.
4. The Balance transfer is subject to Westpac approval. Westpac has the right to refuse any transfers.
5. Westpac will only transfer the debit balance as shown on this form.
6. Interest will be charged on a daily basis from the date we transfer your balance.
7. Should your balance transfer be for a fixed period of time as part of a promotion (e.g. six months), any outstanding balance at the end of the promotional period will be charged at the purchase interest rate.
8. Payments made to your Card Account will be applied against balance transfers, before all cash advances and interest that has been accrued.
9. The information provided will be held by the Westpac Group and will be used now and in the future to make available to you other services offered by the Westpac Group. You have the right to access and correct this information as subject to the provisions of the Privacy Act 1993.
10. Please allow 10 days from our receipt of the balance transfer request for processing.

*This is an estimate only. The calculated savings are provided for illustrative purposes only and are based on the accuracy of the information entered. It does not constitute a quote or offer by Westpac. This savings calculator provides approximate savings only based on the promotional balance transfer rate of 5.95% p.a which applies to the amount transferred and is valid until the balance is paid off in full. Interest charge calculation methodology and rounding may differ slightly from actual Credit Card account calculations. This savings calculator provides a savings amount of a maximum period of 12 months from the date of approval. It assumes no other transactions are made during the 12-month period. The minimum repayment amount used in this savings calculation is 3% or $10, whichever is greater. Please note the current Westpac credit card minimum payment requirement is 2% or $5, whichever is greater. Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use and Balance Transfer Terms and Conditions apply. Other fees may also apply.

This is an estimate only. The calculated savings are provided for illustrative purposes only and are based on the accuracy of the information entered. It does not constitute a quote or offer by Westpac. This savings calculator provides approximate savings only based on the promotional balance transfer rate of 5.95% p.a which is valid for 12 months from the date of approval. Interest charge calculation methodology and rounding may differ slightly from actual Credit Card account calculations. This savings calculator provides a savings amount of a maximum period of 12 months from the date of approval. It assumes no other transactions are made during the 12-month period. The minimum repayment amount used in this savings calculation is 3% or $10, whichever is greater. Please note the current Westpac credit card minimum payment requirement is 2% or $5, whichever is greater. Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use and Balance Transfer Terms and Conditions apply.
Other fees may also apply.

The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.