Demo rate card0% on balance transfers for 24 months with a 3% fee, then 26.9% illustrative APR (variable)
The pound values and percentages on this page are invented AcornBank product terms, chosen for a realistic bank-style example. They are not current market offers, an invitation to deposit or invest money or a forecast of what a real bank will pay.
| Product detail | Demo terms |
|---|---|
| Account type | 0% balance transfer credit card |
| Rate, reward or charge | 0% on balance transfers for 24 months with a 3% fee, then 26.9% illustrative APR (variable) |
| Illustrative credit limit | £1,000.00 to £10,000.00 |
| Access | 0% on balance transfers for 24 months with a 3% transfer fee, then 26.9% APR (variable); new purchases are not interest-free |
| Eligibility in the scenario | An adult story applicant transferring a balance from a different fictional lender within 60 days |
| Fees | No model account fee |
| What ends the offer | A missed or late payment in the model |
| Currency | GBP (£), used solely for fictional calculations |
Twig Transfer Card questions
What is Twig Transfer Card for?
Carry the twig, not the interest. The model moves £3,000 from a 24.9% card, charges the 3% fee up front and compares two years of zero interest with two years of leaving the balance where it was. Its story purpose is moving an expensive balance somewhere it stops growing. Everything on this site is fictional; nothing can be applied for.
What is the APR on Twig Transfer Card?
26.9% illustrative APR (variable) once interest applies. Repaying £1,200 over twelve months at that rate is shown month by month on the product page.
What does a balance transfer to Twig Transfer Card cost?
A 3% fee on the amount moved, then 0% for 24 months. Moving £3,000 from a 24.9% card costs £90 up front and saves the interest the old card would have charged.
What credit limit does Twig Transfer Card assume?
£1,000.00 to £10,000.00, as an illustration. No real assessment takes place.
Does Twig Transfer Card have a fee?
No annual fee in the model. Interest is the real cost if the statement is not cleared.
Credit cards questions
Shared across the whole range.
Which card should I choose in the story?
Stashback or Bushy Tail Rewards for spending that is repaid in full, Zero Nut Zone to spread a purchase, Twig Transfer to park an existing balance, and Acorn Builder to show a short, tidy history. Every card’s page shows the borrowing cost beside the perk.
What ends a 0% offer?
A missed or late payment, in the model. From then on the standard APR applies to the whole balance.
Is cashback capped?
Yes: £10 a month on Stashback Card and £25 a month on Bushy Tail Rewards Card, which also charges a £24 annual fee. Cash withdrawals, transfers, fees and interest never earn cashback.
What does the APR mean?
The illustrative annual cost of borrowing once interest applies. The card examples convert it to an equivalent monthly rate and repay £1,200 over twelve months to show the interest.
What credit limit would I get?
The pages state an illustrative range per card, from £250 on Acorn Builder to £10,000 on Twig Transfer. No real assessment happens; the limits are story furniture.
Twig Transfer Card is 0% balance transfer credit card in the Credit cards range, used for moving an expensive balance somewhere it stops growing. Its live rate card, summary and worked tables sit above this text and update whenever the product record changes.
Frequently asked squeaks
The questions and answers on this page come from AcornBank’s single shared FAQ collection, so the same wording appears here, on the Credit cards hub and in the full FAQ list. Every answer is about a fictional product: 0% on balance transfers for 24 months with a 3% fee, then 26.9% illustrative APR (variable) is a demo figure and nothing can be applied for. The summary and worked figures below give the numbers the answers refer to.
See the whole Credit cards range or compare every product on the rates page.
What the example does not promise
All figures are invented and shown to make the demo useful to read and crawl. No money is held, no application is available, and no deposit-protection, regulatory or tax-wrapper status is claimed. Calculations do not account for personal tax, inflation or unstated changes in rates. The fictional bank manager can guarantee only that the next paragraph contains no real acorns.
Related reading
- This Is a Fictional Bank — No Real Banking Here
- Site Map — Every Branch of AcornBank
- Rates — Savings, Borrowing and Rewards
- Help — Unruffle Your Tail
- Credit Cards — Plastic with a Bushy Tail
- Twig Transfer Card — Compare the Canopy
- Twig Transfer Card — Fictional Product Terms
AcornBank: entirely fictional banking, exceptionally committed squirrels.