Existing Customer Balance Transfer Offers

fergie_

What sort of offers are existing card holders currently getting for new 0% balance transfers?

For example mine range from 3% for 18m with Santander to 5% for 12m with Lloyds.

kempiejon

First direct 12 month 2.9%
Virgin 13mth 2.5% but closed 31st July
Not quite tasty enough for me but I did get some better, new customer deals last year.

TakeittotheLimit.

Virgin 13mth 3%

HSBC 9mth 3.9%

Lloyds 12mth 5% or 6.9% over 24mth 0%fee.

Pretty naff.

Nasqueron

Barclays 18 months BT 3.3% fee / MT 3.5%
Halifax 12 months 5% fee for both
Lloyds 15 months BT 4.5% / MT 5% 
Tesco is basically to the end of the existing card deal for a 4.99% fee

Pays to shop around of course, my Santander and M&S were giving rubbish (none and 9 months, respectively) so I've closed them, just got an HSBC one 27 months, 3.x?% fee via topcashback which might get me £26 towards the transfer fee, got a case on that one as didn't track properly

Nebulous2

Barclaycard has been the standout for me recently. 

2.9% for 18 months BT 
3% for 15 months MT 

fergie_

Barclaycard haven't offered me anything for years and out of the blue are offering 2.8% for 20 months.

Next best is Virgin with 3% for 15 months.

Dandytf

VM latest existing 0% balance transfer 31/1.26 4.5% fee.
Open until 31st March ‘25
One or Two clicks to repay current 0% balance have until 7th Aug ‘25.
I guess it’s best to repay before using latest offer.
No idea yet how it is to be used

fergie_

Latest from Barclaycard is now:

2.9% for 23 months BT

2.9% for 20 months MT

sausage_time

Sainsburys 0% BT and money transfer with no fee for 12 months.  They appear to be doing this pending the move to Nat West.

Nasqueron

Barclays
BT 24 months, 3.3% fee 
MT 21 months 3.5% fee

HSBC
BT 9 months, 3.49% fee
No MT

Halifax 
BT and MT 24 months, 0% fee. 6.9% APR

NatWest - I am inclined to close this one off when the last payment goes in a few months, limit isn't great anyway
BT 18 months 3% fee
No MT

fergie_

sausage_time said:

Sainsburys 0% BT and money transfer with no fee for 12 months.  They appear to be doing this pending the move to Nat West.

Interesting that they are now offering existing customer transfers with no fee. I closed my Sainsbury's account about 8 years ago.