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0% Balance Transfer Deals

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 0% interest rate on balance transfers for an introductory period. After this introductory period, any outstanding balance left on the card will be charged at the standard interest rate. This rate is typically around 21.9% APR.

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

The credit card companies will frequently change the length of the 0% introductory offers. The card companies also regularly change the size of the balance transfer fee. The UK credit card companies make these changes in order to compete for new customers.

Often the very longest balance transfer deals are only available for a limited time period. As a result, UK card customers are advised to act quickly, if they see 0% balance transfer deals suitable for their current needs.

UK Balance Transfer Deals

Balance transfer deals in the UK, are available from a number of different card companies. A couple of years ago, there were around a 120 credit cards, with UK balance transfer deals, available for online applications.

Today, the number of UK credit cards offering 0% balance transfers, is much smaller. Currently there are around 60 cards offering 0% balance transfer deals available online to UK credit card customers. However, some of these 0% introductory offers are quite short.

A longer 0% introductory deal offers customers a way to save more money with a balance transfer. During the introductory offer the customer will pay no interest, so saving them money.

The following featured credit cards currently offer some of the most popular UK balance transfer deals :-


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Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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

Application Criteria

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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

Application Criteria

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 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

Application Criteria

M&S Shopping 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £45
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Best Balance Transfer Deals

The best balance transfer deals in the UK tend to offer customers a longer than average introductory transfer offer, along with a lower than average balance transfer fee.

At one time the best balance transfer cards, offered new customers, 0% for up to 43 months. Today however, cards offering 0% for up to 29 months are the best balance transfer deals available.

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

UK balance transfer deals are available for credit cards using both the MasterCard and Visa payment networks. Mastercard and Visa credit cards are both widely accepted around the world.

There are a smaller number of UK credit cards using the American Express payment network. However, currently there are no AMEX balance transfer cards available in the UK, with 0% introductory offers.


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Published: August 19, 2021, Updated: October 11, 2021 by Balance Transfer Expert

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