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Balance Transfer Promotional Code

What is a balance transfer promotional code? How can UK credit card customers make use of a balance transfer code in 2024?

The UK credit card companies will sometimes make balance transfer promotional rate offers to a small number of their customers. These carefully selected existing credit card customers will receive an additional 0%, or a low rate, balance transfer offer.

Balance Transfer Promotional Code

To allow these balance transfer offers, outside of any introductory balance transfer offer periods, the credit card companies will supply these selected customers with a balance transfer code.

This balance transfer code is usually provided as a sequence of numbers and letters. The code is specific to the type of offer that the customer is being provided with.

If you are one of selected credit card customers, then you can use these balance transfer promotional rate codes, when requesting an online balance transfer. You can use this code to ensure you receive the specific balance transfer deal that you have been offered.

Credit Cards With Transfer Balance Promotions

At Balance Transfer Expert we have seen numerous UK credit card customers searching for a balance transfer code. Some of the more recent queries have included :-

  • Creation balance transfer promo code
  • Promotional code for Halifax balance transfer
  • NatWest credit card promotional code
  • HSBC balance transfer promotional code
  • Tesco balance transfer promotion code
  • RBS transfer promotional code

However, there is a catch with all credit cards with transfer balance promotions. The promotional code is only available for that specific customer to use. The credit card company has carefully selected the customer. This selection is based on their credit history, as well as their past usage of the credit card. The code provided is not valid for any other customer.

Balance Transfer Promo Code

If you try and make a balance transfer using a code, that has not been offered directly to you, by the credit card company, one of two things will happen. Most likely, your balance transfer will be rejected. Alternatively, your balance transfer will go through, but at the normal standard interest rate for balance transfers.

This could mean that you end up paying the standard rate of 24.9% APR, or higher, on your balance transfer. As a result, rather than the 0%, or low rate, special offer deal you thought you were going to get, you will end up paying a much higher interest rate.

If you do not have a promotional code available to you, then the following popular featured cards do offer long 0% balance transfers deals to all customers:-


Balance Transfer Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 12 months
Representative APR:
34.9% APR (variable)
Post Office Classic
  • 0% on balance transfers for up to 12 months
  • 2.9% balance transfer fee
  • 0% on purchases for up to 12 months
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None
Post Office Classic
  • You are a UK resident
  • You have a bank or building society account
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

None of the credit cards above, require a customer to have a promotional code available to them. These cards will all allow customers to make a 0% balance transfer from their current existing credit card.

In general promotional codes are available on both Mastercard and Visa issued credit cards. We tend not to see codes for any American Express balance transfer cards in the UK.


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Published: February 13, 2024, Updated: February 28, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily