A balance transfer allows you to move debt from one credit card to another, in your name only. This could save you money if you're paying a higher rate of interest on the credit card with the existing balance.
A money transfer allows you to borrow money on your credit card and transfer it to your current account. This could help if you can't pay for something directly using your credit card.
The fee you pay will depend on the type of transfer you want to make and your card's terms and conditions, but it's normally a percentage of the amount that you want to transfer. You can transfer up to 95% of your available credit limit.
Balance transfers and money transfers can take up to 2 working days. Fees and interest are applied for both types of transfers and are available to view via Online Banking and the Mobile Banking App.