Balance Transfer Offers

The UK credit card market has a very wide range of balance transfer offers available now. Currently there are over 85 credit cards available online that have 0% balance transfer deals and offers. The number of available deals is down from the more than 110 cards available at the start of 2017.

The range of 0% balance transfer offers available in the competitive UK credit card market is constantly changing as the credit card companies compete for customers.

There are balance transfer offers available on cards with 0% on balance transfers for 1 month all the way up to credit cards with 0% on balance transfers for up to 32 months.

The length of the balance transfer introductory offers are not the only factor in choosing the right balance transfer credit card of course.

Balance transfer fees also vary between each different credit card. In general, cards with shorter balance transfer deals have lower balance transfer fees. Credit cards with the longest 0% introductory offers do tend to have higher balance transfer fees.

At Balance Transfer Expert we currently have details of each and every card with 0% balance transfer promotional rates available online. Details of all of the more than 80 cards can be found on our balance transfer cards page.

The most popular featured 0% balance transfer offers with good acceptance rates currently include the following cards :-

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

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

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 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

Online Balance Transfer Offers

At the time of writing, the currently available online balance transfer offers can be broken down as follows:-

40 cards available online with 0% on balance transfers for less than 18 months
29 8rds available online with 0% on balance transfers for between 18 months and 30 months
22 cards available online with 0% on balance transfers for more than 30 months

More of the current 0% balance transfer deals and offers from all of the major credit card companies can be found on our best balance transfer credit cards page. We also have balance transfer cards with no transfer fee on our no fee balance transfer credit cards page.

The very best balance transfer offers are generally only available to those customers with a good or excellent credit history.

0% introductory offers on balance transfers are available on both Visa balance transfer cards as well as on MasterCard balance transfer cards.

Balance Transfer Offers