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.

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 :-

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

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

Only available to customers who have a current account, savings account, credit card or mortgage with NatWest

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

TSB Platinum 28 Month

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 28 Month

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 28 Month

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

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

Card Offers

Sainsbury’s Dual Offer

Balance Transfers:

0% for up to 27 Months

Balance Transfer Fee:

Purchases:

0% for up to 27 Months

Representative APR:

20.9% APR (variable)

Card Details

Sainsbury’s Dual Offer

0% interest on balance transfers for up to 27 months
3% balance transfer fee, minimum £3
0% interest on purchases for up to 27 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

Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

Card Offers

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

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

Monthly fee of £3 payable

Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable

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.

Balance Transfer Offers