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Nationwide Balance Transfer Credit Card

What is the current Nationwide balance transfer credit card offer, available in the UK credit card market.

Nationwide Balance Transfer Credit Card

The Nationwide balance transfer offer on the Nationwide balance transfer credit card is only available if you are a Nationwide Member. You are a Nationwide Member, when you already have a current account, mortgage or savings account with Nationwide.

The current Nationwide balance transfer credit card offer is 0% for 18 months on balance transfers, with a 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5 and now a new higher representative 24.9% APR variable. This Nationwide balance transfer credit card also has an introductory offer on purchases of 0% for 3 months.

Nationwide Balance Transfer


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Balance Transfers:
0% for 18 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
  • 0% on balance transfers for 18 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 3 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: None
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
Nationwide Members ONLY. You must already have a current account, mortgage or savings account with Nationwide
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 Nationwide credit cards

This Nationwide 0 balance transfer deal is only available if you are a Nationwide Member, with a current account, mortgage or savings account with Nationwide.

These Nationwide balance transfer offers are also much shorter than many of the leading UK balance transfer cards. As an alternative, the following featured 0% balance transfer cards are currently available with 0% introductory offers:-

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 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 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 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
M&S Purchase 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 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

The Nationwide 0 balance transfer card has an unlimited commission-free offer on purchases abroad. This means that customers using a Nationwide Member credit card abroad, can save money compared to some other UK credit cards.

Many other UK credit cards will charge an additional 2.75% fee, or higher, on purchases made outwith the UK. A £1000 hotel bill in Spain for example, would result in a foreign transaction fee of at least, £27.50. This would give a total bill of £1027.50 after the credit card fee.

With the Nationwide balance transfer card and their unlimited commission-free offer, there would be no additional fee. As a result the total bill would remain at £1000, saving the customer at least £27.50.

Apply For A Nationwide Credit Card

A Nationwide credit card application requires customers to have a current account, a mortgage or a savings account with Nationwide. The HSBC balance transfer credit cards, like many other cards, however do not require applicants to be an existing bank customer.

To apply online for a Nationwide 0 balance transfer card, customers need to be UK residents. Applicants also need to be aged over 18 years old. In order to apply for a Nationwide credit card, customers require a minimum income of more than £5,000 per year. Customers will also need a good credit history.

The Nationwide balance transfer card, is a Visa branded card. Visa credit cards can be used online and in restaurants, shops, hotels and petrol stations worldwide.

Nationwide 0 balance transfer cards are among the small number of credit card companies that are well suited to a balance transfer from an American Express credit card. Some other credit card companies are unable to process the AMEX 15 digit card number. However, Nationwide do accept an Amex balance transfer online.


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Published: February 1, 2024, Updated: February 1, 2024 by Balance Transfer Expert

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