Marks and Spencer Balance Transfer

What are the current Marks and Spencer balance transfer offers in the UK in 2020?

The longest Marks and Spencer balance transfer offer is available on the M&S Transfer Plus card. This credit card offers new customers 0% for 28 months on balance transfers with a 2.85% balance transfer fee, minimum £5 and a representative 19.9 APR variable. This M&S balance transfer card also offers customers 0% for 6 months on purchases, from account opening.

An alternative M&S balance transfer offer is available on the M&S Shopping Plus credit card. This balance transfer offer is slightly shorter. The M&S Shopping Plus card offers new customers, 0% for 20 months with a 2.9% balance transfer fee, minimum £5 and a representative 19.9 APR variable. This card also offers a longer 0% for 20 months on purchases from account opening.M&S Balance Transfer Credit Card

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Due to the coronavirus outbreak and subsequent reduced bank processing capacity, we are unable to provide you with a link to any M&S credit cards at this time. We apologise for the inconvenience.

The following alternative UK credit cards are however still available:-

Card Offers

Sainsbury’s Balance Transfer

Balance Transfers:

0% for up to 27 months

Balance Transfer Fee:

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

Sainsbury’s Balance Transfer

0% interest on balance transfers for up to 27 months
3% balance transfer fee (minimum £3) on transfers made at application
0% interest on purchases for your first 3 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 Balance Transfer

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: 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

NatWest Longer Balance Transfer

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

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

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)

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

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

Purchases:

0% for 4 months

Representative APR:

20.6% APR (variable)

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

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

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

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

No balance transfers allowed to this card from Santander credit cards

M&S Balance Transfer Credit Card

The M&S balance transfer credit cards, are issued as Mastercard cards. The M&S credit cards can be applied for by customers who are UK residents, aged 18 or over, with a bank or building society account.

The Marks and Spencer balance transfer cards offer customers preferential rates when you use your M&S balance transfer card to order M&S travel money. There is no cash advance fee charged when using the card for travel money purchases at M&S travel bureau.

The Marks and Spencer balance transfer credit card is a popular credit card within the UK market. The card is promoted by Marks & Spencer to new and existing customers, both on the high street and also online.

The Marks and Spencer balance transfer offers from M&S Bank were last changed in November 2018. The bank reduced the length of the introductory offers from the previous 32 month offer on balance transfers. This follows many of the other credit card companies which have also reduced the length of their 0% introductory offers.

M and S Balance Transfer For Existing Customers

M&S Bank is run as a joint venture arrangement between Marks & Spencer and HSBC Bank. This means that the M and S Balance Transfer credit cards are issued by HSBC bank.

As a result, balance transfers can not be made to the Marks and Spencer balance transfer cards from any other HSBC balance transfer card. These include the First Direct credit cards as well as the John Lewis credit cards.

M&S Reward Points

In addition to the above M&S balance transfer offer, the M&S balance transfer credit cards offer customers M&S points on purchases. Every time you shop with your Marks and Spencer credit card in both Marks and Spencer and elsewhere on the high street, or online you collect M&S points. Customers receive 1 point for every £1 spent in M&S and one point for every £5 spent elsewhere.

The M&S Rewards Plus credit card offers customers double M&S points on all your M&S shopping using the card, for your first 12 months.

M&S points are converted into M&S reward vouchers four times a year. These reward vouchers are then posted directly to the customer. The reward vouchers can be used either in the M&S high street stores or online.

The M&S credit cards have, in past years, been seen as more of a rewards credit card, than a balance transfer credit card. However, the current Marks and Spencer balance transfer offers are now very competitive in the UK credit card market.

Marks and Spencer Balance Transfer