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Marks and Spencer Balance Transfer

What are the current Marks and Spencer balance transfer offers in the UK in 2021?

Marks and Spencer Balance Transfer

The longest Marks and Spencer balance transfer offer is available on the M&S Transfer Plus card. This credit card now offers new customers 0% for 29 months on balance transfers with a 2.75% balance transfer fee, minimum £5 and a representative 21.9 APR variable. This M&S balance transfer card also offers customers 0% for 3 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 shorter. The M&S Shopping Plus card now offers new customers, 0% for 20 months with a 2.9% balance transfer fee, minimum £5 and a representative 21.9 APR variable. This card also offers a longer 0% for 20 months on purchases from account opening.

Marks and Spencer Balance Transfer


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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

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 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

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 up to 15 months
Balance Transfer Fee:
1.45%
Purchases:
0% for up to 15 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Purchase
  • 0% interest for up to the first 15 months on balances transferred within first 90 days
  • 1.45% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 15 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase
  • 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

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 2020. The bank reduced the length of the introductory offers available to new customers. The Transfer Plus card had it’s introductory offer reduced to 25 months on balance transfers and the Shopping Plus card had it’s introductory offer reduced to 16 months on balance transfers

These reductions followed the many other credit card companies which had 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 more competitive in the UK credit card market.


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Published: March 29, 2021, Updated: April 19, 2021 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily