Nationwide Balance Transfer Credit Card

There are two Nationwide balance transfer credit card offers, available in the UK credit card market.

The Nationwide balance transfer offers on these Nationwide balance transfer credit cards are 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 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 a representative 19.9% APR variable. This Nationwide balance transfer credit card also has an introductory offer on purchases of 0% for 3 months.

The other Nationwide Member credit card offer, the all round offer, is 0% for 15 months on balance transfers with a 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5. This Nationwide credit card also has an offer on purchases of 0% for 15 months and has a representative 19.9% APR variable.

Nationwide Balance Transfer

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

As an alternative, the following UK credit cards are currently available:-

Card Offers

M&S Transfer Plus*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

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

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

Card Offers

HSBC Balance Transfer*

Balance Transfers:

0% for 29 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

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

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

Card Offers

M&S Shopping Plus*

Balance Transfers:

0% for 20 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 20 months

Representative APR:

21.9% APR (variable)

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

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

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

3%

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

Card Offers

HSBC Purchase Plus*

Balance Transfers:

0% for 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for 18 months

Representative APR:

22.9% APR (variable)

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

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

Both of the Nationwide Balance Transfer credit cards also have an unlimited commission-free offer on purchases abroad. This means that customers using a Nationwide Member credit card abroad, can save money compared to most 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 either of the Nationwide balance transfer credit cards 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.

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

The Nationwide balance transfer credit cards, are Visa branded cards. Both of the Nationwide credit cards can be used online and in restaurants, shops, hotels and petrol stations worldwide.

Nationwide balance transfer credit cards are among the few credit card companies that are well suited to a balance transfer from an American Express credit card. Many 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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