0% Balance Transfer Deals

What 0% balance transfer deals are currently available to UK credit card customers looking to make a balance transfer?

0% balance transfer deals are where a credit card company offers a customer a deal of 0% interest on balance transfers for an introductory period. After this initial period any remaining balance left outstanding on the card will be charged at the credit cards normal rate of interest, typically 18.9% APR.

The 0% balance transfer deals available in the UK credit card market are constantly changing. The credit card companies use promotional 0% balance transfer deals as one of the main incentives to attract new customers to their credit cards.

The credit card companies will frequently change the length of the 0% balance transfer deals introductory period and the size of the balance transfer fee as they compete for new customers.

Often the very longest balance transfer deals or the special offer balance transfer fee deals are only available for a limited time period, so customers are advised to act quickly if they see 0% balance transfer deals suitable for their current needs.

Here at Balance Transfer Expert, we have details of each and every one of the over one hundred 0% balance transfer deals currently available online to UK credit card customers.

The following balance transfer credit cards currently have some of the most popular featured 0% balance transfer deals :-

Card Offers

M&S Transfer Plus*

Balance Transfers:

0% for 28 Months

Balance Transfer Fee:

2.85%

Purchases:

0% for 6 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Transfer Plus*

0% for 28 months on balance transfers made within 90 days of account opening
2.85% balance transfer fee, minimum £5
0% on purchases for 6 months from account opening
Collect M&S points every time you shop anywhere in the world with your card
Preferential rates when you use your card to order M&S Travel Money
Manage account online
Annual Fee: None

Application Criteria

M&S Transfer Plus*

You are a UK resident
You have a UK bank or building society account
You are aged 18 or over
You have not held a credit card with M&S Bank within previous 12 months

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Nationwide Credit Card just for Nationwide members*

Balance Transfers:

0% for 12 Months

Balance Transfer Fee:

Purchases:

0% for 12 Months

Representative APR:

17.9% APR (variable)

Card Details

Nationwide Credit Card just for Nationwide members*

0% on balance transfers for 12 months from account opening
0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
0% on purchases for 12 months from account opening
Commission free allowance on purchases abroad (subject to terms)
Manage account online
Annual Fee: None

Application Criteria

Nationwide Credit Card just for Nationwide members*

Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide
You have been living in the UK for the last 12 months
You have a gross income each year of more than £5000
You have a good credit history
You are aged 18 or over

Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide

Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 Months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 Months

Representative APR:

19.9% APR (variable)

Card Details

M&S Shopping Plus*

0% for 20 months on balance transfers made within 90 days of account opening
2.9% balance transfer fee, minimum £5
0% on purchases for 20 months from account opening
Collect M&S points every time you shop anywhere in the world with your card
Preferential rates when you use your card to order M&S Travel Money
Manage account online
Annual Fee: None

Application Criteria

M&S Shopping Plus*

You are a UK resident
You have a UK bank or building society account
You are aged 18 or over
You have not held a credit card with M&S Bank within previous 12 months

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Nationwide Select Credit Card just for Nationwide members*

Balance Transfers:

0% for 12 Months

Balance Transfer Fee:

Purchases:

0% for 12 Months

Representative APR:

15.9% APR (variable)

Card Details

Nationwide Select Credit Card just for Nationwide members*

0% on balance transfers for 12 months from account opening
0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
0% on purchases for 12 months from account opening
Unlimited commission free purchases abroad
Manage account online
Annual Fee: None

Application Criteria

Nationwide Select Credit Card just for Nationwide members*

Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide
Nationwide Select Credit Card is only available to members who hold their main current account with Nationwide
You have been living in the UK for the last 12 months
You have a gross income each year of more than £5000
You have a good credit history
You are aged 18 or over

Nationwide Select Credit Card is only available to members who hold their main current account with Nationwide

Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

Card Offers

Asda Cashback*

Balance Transfers:

0% for 12 Months

Balance Transfer Fee:

Purchases:

No offer

Representative APR:

19.9% APR (variable)

Card Details

Asda Cashback*

0% on balance transfers for 12 months
3% balance transfer fee, minimum £3
0% for 6 months on purchases of £200 or more at George.com
1% cashback on your Asda shopping online and instore
1% cashback at Asda Living, Asda petrol stations and George.com
0.2% cashback everywhere else
Annual Fee: None

Application Criteria

Asda Cashback*

You are a permanent UK resident
You have a UK bank or building society account
You are able to provide at least one telephone number
You have a regular source of income
You are aged 18 or over

Unlimited cashback vouchers - 1% at Asda plus 0.2% everywhere else

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% balance transfer deals are available for credit cards issued for both the MasterCard and Visa payment networks, with a very small number of UK credit cards also using the American Express payment network.

Customers are more likely to be accepted for the longest 0% transfer deals if they have a good credit history, no recent missed payments or bad debts and also have a regular income.

0% Balance Transfer Deals