Balance Transfer Promotional Code

What is a balance transfer promotional code? How can UK credit card customers make use of these balance transfer promotional codes in 2020?

The UK credit card companies will sometimes make additional 0% or low rate balance transfer offers to carefully selected existing credit card customers.

To allow these balance transfer offers, outside of any introductory balance transfer offer periods, the credit card companies will supply selected customers with a balance transfer promotional code.

Balance Transfer Promotional Code

This balance transfer promotional code is usually provided as a sequence of numbers and letters. The code is specific to the type of offer the customer is being provided with.

The credit card customer can then use these balance transfer promotional codes when requesting an online balance transfer. Using this code ensures that they receive the specific balance transfer deal that they have been offered.

Balance Transfer Promotional Code

At Balance Transfer Expert we have seen numerous UK credit card customers searching for a balance transfer promotional code. Some of the more recent queries have included :-

  • Tesco credit card balance transfer promotional code
  • Promotional code for Halifax balance transfer
  • NatWest balance transfer promotional code
  • Tesco balance transfer promo code
  • RBS transfer promotional code
  • Post Office credit card promotional code

However, a balance transfer promotional code can not be used by just anyone.

In almost all cases when a credit card company supplies a balance transfer promotional code to a customer, the code is only available to that customer. The credit card company has carefully selected the customer. This selection is based on their credit history and also their past usage of the credit card.

If you try and make a balance transfer using a code, that has not been offered directly to you, by the credit card company, one of two things will happen. Either, your balance transfer will be rejected or your balance transfer will be made at the normal standard APR rate for balance transfers.

This could mean that you end up paying the standard rate of 19.9% APR or higher on your balance transfer. As a result, rather than the special offer deal you thought you were going to get, you will end up paying a much higher interest rate.

If you do not have a promotional code available to you, then we have a choice of over 60 UK 0% credit cards available. These include all of these popular featured cards :-


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Card Offers

Balance Transfers:
0% for up to 29 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Balance Transfer
  • 0% interest for up to 29 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
More Information

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
More Information
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)
No balance transfers allowed to this card from TSB credit cards

Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

NatWest Longer Balance Transfer
  • 0% on balance transfers for 23 months from account opening
  • 1.99% 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
More Information

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
More Information
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)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 months
Representative APR:
21.9% APR (variable)
More Information

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
More Information

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
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)
No balance transfers allowed to this card from Sainsbury’s credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

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
More Information

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
More Information
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

None of the credit cards above, require a customer to have a promotional code available to them. These cards allow customers to make a 0% balance transfer from their existing credit card.


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