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Balance Transfer From American Express

Balance Transfer From American Express

Can you make an Amex balance transfer in the UK? Can you balance transfer from Amex to another credit card? How do you balance transfer from American Express cards?

We have seen all of the these types of questions, again and again over recent months, and years. In this article, we explain how you can successfully make an American Express balance transfer, in the UK, in 2024.

A balance transfer from American Express credit cards can often be more difficult, than it is for the other more common types of Mastercard, and Visa, balance transfers in the UK.

An Amex balance transfer can also, often, be more likely to fail. This is often, but not always, due to the 15 digit card number, found on an American Express card.

Amex Balance Transfer UK

You can make a balance transfer from American Express to another UK credit card. However, for Amex transfers, your choice of credit cards is more limited. A number of the credit cards, which did accept an American Express balance transfer, are now no longer available to new customers in the UK.

It is usually straight forward to make a balance transfer from a Mastercard, or a Visa branded credit card. However a balance transfer from American Express, to another UK credit card with a 0% introductory offer, can often be more difficult.

So what is the most common issue with doing an American Express balance transfer? What is it, that makes this type of transfer more difficult?

American Express credit cards are issued with a 15 digit card number. On older cards this number is on the front of the card, but most newer Amex cards, now have the number on the back. However, all of the current Visa and MasterCard credit cards issued in the UK, have a longer 16 digit card number.

This means that the UK credit card companies very often have their computer systems set up to expect at least a 16 digit card number during the balance transfer request.

As a result, the 15 digit card number for an American Express card can often lead to the computer system rejecting the Amex card number as invalid. As a result, this means that the Amex balance transfer request can often fail.

American Express Balance Transfer

How can you make an Amex balance transfer in the UK in 2024?

There are currently around 60 UK credit cards available online with 0% balance transfer offers. In our experience, the following credit card company’s systems are more compatible with accepting a 15 digit Amex card number.

The featured credit cards below are best suited to accept an Amex balance transfer online:-


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Balance Transfers:
0% for up to 26 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 26 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 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
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

If you do encounter a problem making your balance transfer online, here is one tip that we know has worked in the past. When entering the credit card number, place a 0 before the first digit of your existing American Express card number. This will then give you the required 16 digit credit card number.

A very small number of UK credit cards in the past, did provide both an American Express card, and a Visa or Mastercard card, on the same account. This was most common with rewards credit cards, usually airline, or travel credit cards. If you still have one of these older type of card accounts, we would always recommend using the 16 digit Visa, or Mastercard card number to make the balance transfer.

Some Amex balance transfer customers have reported success in making a¬†balance transfer from American Express, over the telephone with their new credit card’s, customer services. However, a transfer from American Express by telephone is still not guaranteed. Some credit card companies simply cannot process an Amex balance transfer at all.

If requesting an American Express balance transfer over the telephone, it is often best to ask for a supervisor. These, typically, more experienced people are more likely to understand how to make a transfer from American Express cards.

Balance Transfer to Amex

American Express currently, do not provide any 0% transfer credit card offers in the UK. For many years now, American Express UK have not issued any Amex balance transfer cards with a 0% transfer offer.

The Amex credit cards issued in the UK are now almost all travel ,or reward credit cards. These cards offer either airline miles, hotel points, cashback or rewards points based on your card spending.

You can ask to make a balance transfer from another credit card to an Amex credit card. However, you will not benefit from the 0% rates available on balance transfers, from many other popular UK credit cards.

American Express charge cards, are not credit cards and as a result are not eligible to make any type of balance transfer.

So, in summary, can you balance transfer from Amex to another card? The HSBC balance transfer credit card for example?

Yes as described above, you can. In our experience, the card companies listed above, are more used to dealing with an American Express balance transfer. Many of the other credit card companies do not deal quite so well with the Amex balance transfer card number issue.


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Published: March 22, 2024, Updated: March 22, 2024 by Balance Transfer Expert

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