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 :-

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

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 Member Credit Card*

Balance Transfers:

0% for 18 Months

Balance Transfer Fee:

1.5%

Purchases:

0% for 3 Months

Representative APR:

19.9% APR (variable)

Card Details

Nationwide Member Credit Card*

0% on balance transfers for 18 months if made within 90 days of account opening
1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
0% on purchases for 3 months from date you open your account
Unlimited commission-free purchases abroad
Manage account online
Annual Fee: None

Application Criteria

Nationwide Member Credit Card*

Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
You are a UK resident
You have a minimum income of £5000 per year
You have a good credit history
You are aged 18 or over

Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide

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

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

HSBC Balance Transfer*

Balance Transfers:

0% for 25 Months

Balance Transfer Fee:

1.5%

Purchases:

0% for 3 Months

Representative APR:

21.9% APR (variable)

Card Details

HSBC Balance Transfer*

0% interest on balance transfers for 25 months made within first 60 days of account opening
1.5% balance transfer fee (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
home&Away rewards programme giving you instant discounts from well-known brands
Online account management
Annual Fee: None

Application Criteria

HSBC Balance Transfer*

You have an annual income or pension before tax of £8,500 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

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 (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
home&Away rewards programme giving you instant discounts from well-known brands
Online account management
Annual Fee: None

Application Criteria

HSBC Purchase Plus*

You have an annual income or pension before tax of £8,500 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

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