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 |
Fees and charges
| Charge | Model treatment |
|---|---|
| Opening / arrangement | £0.00 |
| Monthly account fee | £0.00 |
| Balance transfer fee | 3% of the amount moved |
| Interest on borrowing | 0% on balance transfers for 24 months with a 3% fee, then 26.9% illustrative APR (variable) |
| Early access | See access terms |
| Real amount payable to AcornBank | £0.00 — this is a fictional demo, not a service |
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.
Keep the cost in the same picture as the rate
A fee can reduce the benefit of interest, growth or cashback, and borrowing interest can exceed a reward. The table distinguishes ongoing charges from an upfront fee. Do not subtract a fee twice: the mortgage total already includes its arrangement fee, while its yearly repayment rows contain repayments only.
The worked examples show the product-specific calculations and timing assumptions in full.
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 — Fetching Your Fictional Stash
- Twig Transfer Card — How Much Fits in a Hollow?
AcornBank: entirely fictional banking, exceptionally committed squirrels.