Balance Transfer Offers

The UK credit card market has a very wide range of balance transfer offers available now. Currently there are over 50 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 3 months all the way up to credit cards with 0% on balance transfers for 29 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 50 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 :-

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Card Offers

HSBC Balance Transfer*

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

M&S Transfer Plus*

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

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

Card Offers

Post Office Classic

Balance Transfers:

0% for up to 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for up to 12 months

Representative APR:

34.9% APR (variable)

Card Details

Post Office Classic

0% on balance transfers for up to 18 months
2.9% balance transfer fee
0% on purchases for up to 12 months
Credit limit up to £8,000
Online account management
Annual Fee: None

Application Criteria

Post Office Classic

You are a UK resident
You have a bank or building society account
You are aged 18 or over

Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)

No balance transfers allowed to this card from Capital One or Post Ofice credit cards

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

21.9% 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
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

Online Balance Transfer Offers

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

18 cards available online with 0% on balance transfers for less than 18 months
26 cards available online with 0% on balance transfers for between 19 months and 23 months
14 cards available online with 0% on balance transfers for more than 24 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 lower 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