Partial Balance Transfer. Can You Transfer Part Of A Balance?

Can you do a partial balance transfer? Can you transfer part of a credit card balance?

These are questions that here at Balance Transfer Expert, we quite often see UK credit card customers looking for answers on.

A partial balance transfer can be defined as when a customer makes a balance transfer of only part of the outstanding credit card balance on their existing credit card across to a new 0% balance transfer credit card.

In the case of a partial balance transfer only some of the outstanding debt is transferred to the new credit card, and some debt remains on the old card.

A partial balance transfer differs from a full balance transfer where all of the outstanding balance is transferred from the old card to the new credit card.

In most cases a balance transfer is done from a credit card with a higher rate of interest to a new credit card offering a low or 0% rate of interest for an introductory period.

This balance transfer allows the customer to save money by paying less in interest for the promotional period, with more of the repayments going to reduce the outstanding debt.

Can You Transfer Part Of A Credit Card Balance?

To answer the questions above:-

  • Yes, you can do a partial balance transfer
  • Yes, you can transfer part of a credit card balance.
Part Balance Transfer

One common reason for doing a partial balance transfer is that you may not have any choice. You may for example have a large outstanding balance on your existing credit card but may have been  given a smaller credit limit on the new balance transfer credit card that does not allow you to transfer the full amount.

All of the following popular featured 0% balance transfer credit cards do allow you to transfer part of a credit card balance.


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

Card Offers

Balance Transfers:
0% for up to 30 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Balance Transfer
  • 0% interest for up to 30 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest for the first 3 months on purchases
  • Internet fraud protection and Clicksafe
  • Apple Pay and Android Pay
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Balance Transfer
  • 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

Card Offers

Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for up to 26 months
  • 3% balance transfer fee 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
More Information

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
More Information
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
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 Sainsbury’s credit cards

Card Offers

Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Purchases:
0% for 26 months
Representative APR:
21.7% APR (variable)
More Information

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
More Information

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
More Information
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

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

Partial Balance Transfer

As an example of when you would transfer part of a credit card balance:-

  • If you have a £5,000 outstanding balance on an old credit card
  • You are given a £3,000 credit limit on a new credit card, with a 95% balance transfer limit
  • The result is that a part balance transfer of £2,850 is the maximum you will be allowed to transfer

A balance transfer does count as a payment so there is no reason why you should not make a partial balance transfer. Any balance transfer, even if you just transfer part of a credit card balance, is likely to reduce the amount you pay in interest.


Related Content From Balance Transfer Expert:-