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The online transfer method is especially helpful both if you pay one person often, like a babysitter, or need to make a one-off transfer, like to a student away at school.
The following year that one-off transfer turned into a permanent financing mechanism.
But that startlingly high rate was the result of a huge, one-off transfer of government housing to private ownership in the late 1990s.
It's about people who need to send small sums regularly, and those making large one-off transfers, such as buying a holiday property.
At the same time, we ended the last financial year with trusts reporting the largest deficit in NHS history – £2.45bn but, in reality, above £3.5bn once you strip out one-off transfers and accounting adjustments.
A prime example is that even though the 0 per cent balance transfer term is a mere six months on the Creation football cards, the one-off balance transfer fees of 5 per cent are way out of line compared with a market average of 2 to 3 per cent.
However you can transfer cash from the cards direct to your bank account for a one-off money transfer fee of 4 per cent – which could prove to be a low-cost way to clear a nagging and expensive overdraft.
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