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 19.9% 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 fifty 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 :-

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Card Offers

HSBC Balance Transfer*

Balance Transfers:

0% for 25 months

Balance Transfer Fee:

2.85%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

HSBC Balance Transfer*

0% interest for 25 months on balance transfers made within first 60 days of account opening
2.85% 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

Partnership

Balance Transfers:

0% for 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 9 months

Representative APR:

18.9% APR (variable)

Card Details

Partnership

0% on balance transfers for 18 months from account opening
2.9% balance transfer fee, minimum £5
0% on purchases for 9 months from account opening
Earn points to convert into John Lewis and Waitrose vouchers
Every 500 points you earn is worth £5 in vouchers
Exclusive partnership cardholder events and special offers
Annual Fee: None

Application Criteria

Partnership

You have a UK residential address
You have a good credit history
You have a household income of more than £6,750 a year
You are aged 18 or over

Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

HSBC Purchase Plus*

Balance Transfers:

0% for 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 18 months

Representative APR:

22.9% APR (variable)

Card Details

HSBC Purchase Plus*

0% interest for 18 months on balance transfers made within first 60 days of account opening
2.9% balance transfer fee applies (minimum £5)
0% interest on purchases for 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

Application Criteria

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: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% 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

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

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

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