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Can I Make Multiple Balance Transfers?

Can you make multiple balance transfers in the UK? Can you make multiple balance transfers on the same card? We have seen these types of question a lot recently.

Multiple balance transfers usually occur in one of two different ways :-

  • You could be looking to make multiple balance transfers on the same card. This is where you transfer from several of your existing credit cards, onto a new 0% balance transfer credit card.
  • Alternatively, you could be planning to make repeated multiple balance transfers. This is where you transfer from one card to another, at the end of each introductory balance transfer period.

Multiple Balance Transfers On Same Card

Multiple Balance Transfers

Do you currently have several different credit cards, all with an outstanding balance on them?

In this case, then it is possible, and indeed quite common, to apply for a new balance transfer credit card and make multiple balance transfers on to this new card.

The process for making multiple balance transfers on the same card, is quite simple. You apply to make a balance transfer as normal. This transfer request can usually be made online. Alternatively, you can phone the customer services number of your new credit card company and request a balance transfer.

Then you simply provide the details for each existing card in turn, with the amounts you wish to transfer. For further details see our guide on how you transfer a balance from one credit card to another.

How Many Balance Transfers Can I Do?

In theory, the only limit on how many balance transfers you can do, is the size of your credit limit. You should be aware of the following issues, when you are making multiple balance transfers on the same card:-

  • You will need to be given a large enough credit limit on your new card to allow you to make all of the balance transfers. If your new credit limit is not high enough, then you will not be able to transfer all of the outstanding balances. A credit card with a £4000 limit, would not allow you to make balance transfers totalling £5000, for example.
  • You will need to pay a balance transfer fee for each balance transfer that you make. This fee should not be any higher than if you were transferring one large amount. Although do watch if you are transferring very small amounts. In this case the minimum balance transfer fee, if it exists, may end up costing you slightly more overall.
  • Finally, and most importantly, you will need to find a new credit card that is not issued by any of your existing card companies. This  is because you cannot make a a balance transfer between cards which are issued by the same UK credit card issuer

UK 0% balance transfer credit cards available online, include all of the following popular featured 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

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

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
More Information

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
More Information
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

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

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
More Information

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
More Information
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

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 20 months
Representative APR:
21.9% APR (variable)
More Information

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
More Information

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
More Information
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

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

Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

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 applies (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
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • 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
More Information
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
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Can You Have More Than One Balance Transfer Credit Card?

Another common question that we see a lot is, can you have more than one balance transfer credit card?

Yes, is the answer to this question. You can have more than one balance transfer credit card at the same time.

However, you will most likely, have to have your balance transfer credit cards from different companies. Many UK banks and card companies will only allow a customer to have just one of their credit cards, at a time.

You may choose to have one balance transfer card using the Visa payment network, and the other using the Mastercard payment network, for example.

Making multiple applications for a new credit card in a short space of time is not recommended. Ideally you should leave at least a couple of months between each application.

Multiple Balance Transfers From One Card To Another

If you have previously done a balance transfer and your introductory balance transfer period is about to come to an end, then what are your options?

Well you can simply do another balance transfer. It is possible to do another balance transfer to another new credit card, so effectively making multiple balance transfers.

In this instance of course you are reliant on being approved for a new credit card. You require a new card, each time that you need to transfer the outstanding balance.

The current coronavirus pandemic has increased the difficulty of being approved for a new credit card. As a result, you should not automatically assume that you can transfer a balance for ever.

We would always advise that you do make more than the minimum repayments of your outstanding balance every month. This will avoid the situation that you are left with a high outstanding balance and no opportunity to transfer it again.


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Published: August 2, 2021, Updated: September 9, 2021 by Balance Transfer Expert

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