{
  "version": 1,
  "checkedAt": "2026-10-15",
  "jurisdiction": "UK",
  "selection": "Purposive four-issuer sample of public pages; not representative or exhaustive; no ranking.",
  "model": "Funding-budget comparison only. Principal £3,000, immediate transfer, no purchases, no default, full advertised maximum period assumed. Fee reserved separately at outset; allocation, interest on fees, minimums, daily timing and post-promotion interest are not simulated. Verify signed offer. Principal targets are not contractual minimums.",
  "rows": [
    {
      "id": "tsb",
      "issuer": "TSB",
      "product": "Platinum Balance Transfer Card",
      "promoMonths": 38,
      "otherPromoMonths": [
        35,
        32
      ],
      "feeBasisPoints": 349,
      "minimumFeePence": 0,
      "annualFeePence": 0,
      "promoStarts": "account opening",
      "transferWindow": "90 days",
      "standardBalanceTransferRate": "24.95%, 28.95% or 30.95% annual variable; 1.88%, 2.15% or 2.28% monthly",
      "page": "https://www.tsb.co.uk/credit-cards/balance-transfers.html",
      "terms": "https://www.tsb.co.uk/content/dam/tsb-public/documents/credit-cards/TSB11823(M)A_Web.pdf.coredownload.inline.pdf",
      "documentDate": "March 2026",
      "limitations": "Individual terms vary; offer conditional on timely payments and limit. Promotional fee explicitly included at 0% in summary.",
      "checkedAt": "2026-10-15",
      "publicationDate": "not asserted unless document explicitly dated"
    },
    {
      "id": "hsbc",
      "issuer": "HSBC UK",
      "product": "Balance Transfer Credit Card",
      "promoMonths": 36,
      "otherPromoMonths": [
        14
      ],
      "feeBasisPoints": 309,
      "minimumFeePence": 500,
      "annualFeePence": 0,
      "promoStarts": "date of transfer (summary box)",
      "transferWindow": "60 days",
      "standardBalanceTransferRate": "25.9% to 29.9% annual; 1.941% to 2.209% monthly",
      "page": "https://www.hsbc.co.uk/credit-cards/products/balance-transfer/",
      "terms": "https://www.hsbc.co.uk/content/dam/hsbc/gb/pdf/credit-cards/summary-box-balance-transfer.pdf",
      "documentDate": null,
      "limitations": "Individual rate/period vary. Excludes HSBC Group balances. Fee interest is not modelled; budget fee separately and verify offer allocation.",
      "checkedAt": "2026-10-15",
      "publicationDate": "not asserted unless document explicitly dated"
    },
    {
      "id": "santander",
      "issuer": "Santander UK",
      "product": "Everyday Long Term Balance Transfer Credit Card",
      "promoMonths": 34,
      "otherPromoMonths": [],
      "feeBasisPoints": 315,
      "minimumFeePence": 500,
      "annualFeePence": 0,
      "promoStarts": "account opening",
      "transferWindow": "introductory period; delayed transfer leaves less time",
      "standardBalanceTransferRate": "24.9% annual variable; 1.873% monthly",
      "page": "https://www.santander.co.uk/personal/credit-cards/everyday-long-term-credit-card",
      "terms": "https://www.santander.co.uk/assets/s3fs-public/AD_documents/Everyday_Long_Term_Balance_Transfer_Credit_Card_Summary_Box_ACS13417OCT25IPGCDT.pdf",
      "documentDate": "filename OCT25; current linked disclosure checked, not a new publication date",
      "limitations": "Transfers £100 to 95% of limit; excludes Santander/cahoot. Fee interest/allocation not simulated.",
      "checkedAt": "2026-10-15",
      "publicationDate": "not asserted unless document explicitly dated"
    },
    {
      "id": "natwest",
      "issuer": "NatWest",
      "product": "Balance Transfer credit card (no transfer fee)",
      "promoMonths": 11,
      "otherPromoMonths": [
        9,
        10
      ],
      "feeBasisPoints": 0,
      "minimumFeePence": 0,
      "annualFeePence": 0,
      "promoStarts": "account opening",
      "transferWindow": "first 3 months",
      "standardBalanceTransferRate": "24.9% to 29.9% effective annual variable; 1.870% to 2.203% monthly",
      "page": "https://www.natwest.com/credit-cards/balance-transfer-credit-card.html",
      "terms": "https://www.natwest.com/credit-cards/balance-transfer-credit-card/summary-box.html",
      "documentDate": null,
      "limitations": "Actual period 9–11 months; UK18+, £10,000 annual income; excludes NatWest Group; £100 minimum and 95% limit.",
      "checkedAt": "2026-10-15",
      "publicationDate": "not asserted unless document explicitly dated"
    }
  ]
}