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Balance Transfer From Lloyds?

Which UK credit cards will accept a balance transfer from Lloyds?

Balance Transfer Lloyds To

Here at Balance Transfer Expert, some of the common questions on this topic that we have seen recently, include all of the following:-

  • Can I balance transfer Lloyds to Nationwide?
  • Can I transfer from Lloyds to M&S balance transfer credit card?
  • Balance transfer from Lloyds to NatWest?
  • Can I balance transfer Lloyds to Bank of Scotland?
  • Can I make a Lloyds to HSBC balance transfer?
  • Is a balance transfer from Lloyds to MBNA allowed?

Many more UK credit card customers are now becoming aware of one of the main issues with balance transfers. This issue is that the banks, including Lloyds, do not allow balance transfers, when both the cards involved are issued by the same card company.

Lloyds Balance Transfer

Some UK credit card companies have in the past issued a large number of credit cards for charities, sports clubs and travel companies. As a result, many of these cards were issued with different brand names.

Finding out who the actual credit card company is for each different credit card can often be difficult. The actual company name of the UK credit card issuer can be buried in the small print of the terms and conditions of the card agreement. As a result, the card issuer’s name is not always so easy to find.

Lloyds Bank PLC, now own several large credit card issuers, including the Halifax and MBNA brands in the UK. Currently, these brands are being run as separate companies. However, it is probably only a matter of time before balance transfers are not permitted between these different brands.

So Which Credit Cards Can I Balance Transfer From Lloyds To?

So which balance transfer cards can an existing customer make a Lloyds balance transfer to?

At Balance Transfer Expert, we know all about the different credit card issuers and banks. We know which card company issues every 0% balance transfer credit card, currently available online.

As a result, we know that you currently can make a balance transfer from Lloyds to all of the following popular featured 0% balance transfer credit cards :-


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

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% 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
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: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% 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
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: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 12 months
Representative APR:
34.9% APR (variable)
Post Office Classic
  • 0% on balance transfers for up to 12 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
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
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 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
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
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
29.9% APR (variable)
Virgin Money 12 Month Balance Transfer
  • 0% on balance transfers for 12 months from the date your account is opened
  • 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 months from the date your account is opened
  • Discounts on Virgin holidays, Virgin trains and Virgin experience days
  • Contactless payments to quickly and securely pay for purchases up to £100
  • Online card servicing
  • Annual Fee: None
Virgin Money 12 Month Balance Transfer
  • You are a UK resident
  • You have a bank or building society account
  • You have a good credit history
  • You are aged 18 or over
Representative Example: 29.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 29.9% p.a. (variable)
No balance transfers allowed to this card from Clydesdale,Yorksire or Virgin credit cards

When you are planning to make a balance transfer, the last thing you want to do is to apply for a new credit card, and then find that your existing card is also issued by the same company. This would then mean that balance transfers are not allowed between your existing, and new credit cards.


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Published: December 1, 2023, Updated: January 11, 2024 by Balance Transfer Expert

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