Martin Lewis

Existing Customer Balance Transfer Offers Table
 

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Existing Customer Balance Transfer Offers
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As the credit card market is competitive and providers want to retain their customers, customer service teams oftenh ave substantial power to authorise deals to keep you.

Check this list for possible existing customer deals from your credit card provider. Whilst these offers are not guaranteed for everyone, and they may change over time, you can get an idea of the type of deals on offer.


BT offers for Existing Customers

Card

Standard Rate

Existing Customer Offer

Will it charge you a fee for balance transfers?

Will it usually do a credit check before granting the deal?

A&L

15.9%

Official Response: individual offers
depending on customer circumstances
MoneySavers Experiences: c. 0% for 6 months

Yes, varies depending on t&cs

No

Abbey

15.9%

Official Response: individual offers
depending on customer circumstances
MoneySavers Experiences: c. 0% for 6 months

Yes, varies depending on t&cs

No

Amex

14.9%
-16.9%

Official Response: individual offers
depending on payment history
MoneySavers Experiences: no detailed info

Yes, 3%

Depends on offer

Bank of Scotland

9.9%
- 16.9%

Official Response: individual offers
depending on conduct of account
MoneySavers Experiences: 5.94% life
of balance or low % deals e.g. 2.9% for
6 months

Yes, 3%

No, if in current credit limit

Barclaycard

14.9%

Official Response: standard offer of 6.9% for life of balance more info

No

No

Capital One*

15.9%

Official Response: no promotion rate,
would need to apply for a different card
MoneySavers Experiences: n/a

Depends on new card

Yes

Egg*

16.9%

Official Response: standard offer of 0%
for 5 months in may 2009 and may
2010 more info

Yes, 2.5%

No

First Direct

16.9%
- 17.9%

Official Response: sometimes have offers so ring to check
MoneySavers Experiences: no detailed info

Yes, 2.9%

Depends on info held about you

Halifax

9.9%
- 16.9%

Official Response: individual offers depending on conduct of account
MoneySavers Experiences: 5.94% life of balance or low % deals e.g. 2.9% for 6 months

Yes, 3%

No, if in current credit limit

HSBC*

15.9%

Official Response: individual offers depending on customer circumstances
MoneySavers Experiences: no detailed info

Yes

No

IF

8.9%

Official Response: no promotion rate
Note from Martin: while there's no
promotional rate, at 8.9% standard rate
this is one of the cheapest on the market
and it should allow you to shift other
debts to it at this level

No

No

Marks & Spencer

17.9%
- 19.9%

Official Response: Offers available if been customer for over 3 months, e.g. 0% for 6 months

No

No

MBNA*

15.9%
- 17.9%

Official Response: individual offers depending on customer circumstances
MoneySavers Experiences: c. 0% for 6 months

Yes, varies depending on t&cs

No

Mint

14.9%

Official Response: individual offers for example 1.9% for 6 months
MoneySavers Experiences: no detailed info

No

No

Morgan
Stanley

15.9%
- 16.9%

Official Response: offering 0% or 5.9% for 5 months
MoneySavers Experiences: as above

2.5% , min £3

Yes

Nationwide

15.9%
- 17.9%

Official Response: no promotion rate
MoneySavers Experiences: n/a

No

No

Natwest*

13.9%

Official Response: individual offers for example 1.9% for 6 months
MoneySavers Experiences: no detailed info

No

No

RBS*

13.9%

Official Response: individual offers for example 1.9% for 6 months
MoneySavers Experiences: no detailed info

No

No

Tesco

14.9%
- 16.9%

Official Response: offers change so phone for info, can also depend on customer circumstances
MoneySavers Experiences: no detailed info

Depends on deal taken

No

Virgin*

15.9%

Official Response: individual offers depending on customer circumstances
MoneySavers Experiences: c. 0% for 6 months

Yes, varies depending on t&cs

No

YBS

11.6%
- 15.4%

Official Response: no promotion rate
MoneySavers Experiences: n/a

No

No






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