Virgin Balance Transfer Card

The long 29 month Virgin balance transfer card is now no longer available to new customers. This Virgin balance transfer card was withdrawn from the UK credit card market on 26th May 2019.

Virgin Money have now withdrawn many of their 0% balance transfer cards from the market.

The number of balance transfer credit cards have reduced over recent months as the UK credit card companies have either removed their longest balance transfer cards all together, or reduced the length of the introductory 0% balance transfer offer.

This is in many cases because of the uncertainty about the future finances of potential customers due the current Coronavirus pandemic.

Virgin Balance Transfer Credit Card – Existing Customers

Virgin credit card existing customers were not eligible for these long Virgin 0% balance transfer offers.

Virgin Money like many other credit card companies does not allow existing Virgin credit card customers to make a balance transfer to another Virgin Money credit card.

There are however, a number of alternative 0% balance transfer credit cards with long introductory balance transfer offers, that are currently available to Virgin credit card existing customers. These include all of the following popular featured 0% balance transfer credit cards:-

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

Post Office Classic

Balance Transfers:

0% for up to 18 months

Balance Transfer Fee:

2.9%

Purchases:

0% for up to 12 months

Representative APR:

34.9% APR (variable)

Card Details

Post Office Classic

• 0% on balance transfers for up to 18 months
• 2.9% balance transfer fee
• 0% on purchases for up to 12 months
• Credit limit up to £8,000
• Online account management
• Annual Fee: None

Application Criteria

Post Office Classic

• You are a UK resident
• You have a bank or building society account
• You are aged 18 or over

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

Virgin Balance Transfer

This long 29 month Virgin balance transfer card did have an offer of 0% for 29 months on balance transfers with an initial 3% balance transfer fee and a representative 21.9% APR variable. Balance transfers had to be made within the first 60 days to receive promotional offer. The Virgin balance transfer card had also offered 0% for 3 months on purchases.

The Virgin balance transfer card, like an increasing number of credit cards today such as the HSBC balance transfer card, did also includes the new contactless payments facility that allows a cardholder to pay for purchases of £45 or less without having to key in their PIN number.

The Virgin balance transfer card did come with a number of offers across the Virgin Group including 5% off Virgin holidays and Virgin cruises, 10% off selected advance fares on Virgin trains and 30% off Virgin balloon flights.

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