Balance Transfer Offers

The UK credit card market has a very wide range of balance transfer offers available now. Currently there are over 80 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 28 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.

Balance Transfer Offers

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

NatWest Longer Balance Transfer

Balance Transfers:

0% for 28 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

NatWest Longer Balance Transfer

• 0% on balance transfers for 28 months from account opening
• 2.75% balance transfer fee
• 0% on purchases for first 3 months from account opening
• Lock and unlock your credit card in app
• Manage your card 24/7 online and by telephone banking
• Annual Fee: None

Application Criteria

NatWest Longer Balance Transfer

• You are a NatWest customer
• You are a UK resident
• You are earning at least £10,000 per year
• You are aged 18 or over

Card Offers

TSB Platinum Balance Transfer

Balance Transfers:

0% for up to 28 months

Balance Transfer Fee:

2.95%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Balance Transfer

• 0% interest for up to 28 months on balances transferred within first 90 days
• 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
• 0% interest for the first 3 months on purchases
• Internet fraud protection and Clicksafe
• Apple Pay and Android Pay
• Annual Fee: None

Application Criteria

TSB Platinum Balance Transfer

• You are an existing TSB customer
• You are not currently declared bankrupt, have CCJs or subject to IVA
• You have a good credit rating and regular income
• You are a UK resident
• You are aged 18 or over

Card Offers

Sainsbury’s Dual Offer

Balance Transfers:

0% for up to 20 months

Balance Transfer Fee:

3%

Purchases:

0% for up to 20 months

Representative APR:

20.9% APR (variable)

Card Details

Sainsbury’s Dual Offer

• 0% interest on balance transfers for up to 20 months
• 3% balance transfer fee, minimum £3 on transfers made at application
• 0% interest on purchases for up to 20 months
• Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
• Collect 1 Nectar point for every £5 spent on your card elsewhere
• Online account management
• Annual Fee: None

Application Criteria

Sainsbury’s Dual Offer

• You have a permanent UK address
• You have not been declined for credit in the last month
• You do not have a history of bad credit
• You are aged 18 or over

Card Offers

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

0%

Purchases:

0% for 26 months

Representative APR:

21.7% APR (variable)

Card Details

Santander All in One

• 0% interest on balance transfers for 26 month from date account opened
• 0% balance transfer fee
• 0% interest on purchases for 26 month from date account opened
• 0.5% cashback on all of your purchases
• No foreign transaction fee on purchases made abroad in local currency
• Cashback through Retailer Offers
• Monthly Fee: £3

Application Criteria

Santander All in One

• You are a permanent UK resident
• You have a good credit history with no history of bad credit
• You have an income of £7,500 per year or more
• You are at least 18 years of age

Online Balance Transfer Offers

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

• 38 cards available online with 0% on balance transfers for less than 19 months
• 16 cards available online with 0% on balance transfers for between 19 months and 25 months
• 16 cards available online with 0% on balance transfers for more than 26 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.

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