21 Jan 2026

Nationwide launches its longest ever 0% interest balance transfer credit card

  • Nationwide extends interest-free balance transfer offer to 30 months – now six months longer 
  • New offer will be available from 21 January 2025 online, on the phone and in branch 
  • Nationwide also continues to offer its combined purchase and balance transfer credit card deal, offering 0% interest on purchases and 0% interest on balance transfers for 15 months  
  • The balance transfer fee for these offers remains at 2.99% (minimum £5) per transaction 

Nationwide Building Society has launched its most competitive balance transfer credit card deal to date, offering customers 0% interest for up to 30 months.  

The new offer*, which beats the existing period by six months, provides extended interest-free terms on balance transfers, giving members greater flexibility to manage their finances at a time household budgets remain under pressure. This is alongside current Nationwide credit card benefits such as fee-free usage abroad, Section 75 protection and no charges for late payments. 

Customers can also apply for Nationwide’s existing purchase and balance transfer credit card, which offers 0% interest on balance transfers and purchases for 15 months.  

James Broome, Head of Product at Nationwide Building Society, said: “We know that many people are looking for ways to manage their money more effectively, especially as the cost of living continues to impact household finances. This new credit card offer gives people additional flexibility and reinforces our commitment to providing fair, competitive products that put customers first.” 

For more details on eligibility and how to apply, visit: www.nationwide.co.uk/credit-cards.  

New offer – Nationwide balance transfer credit card:  

This introductory offer allows you to transfer an existing balance and pay off existing credit. 

  • 0% interest on balance transfers for 30 months  
  • 0% interest on purchases for 3 months 
  • 24.9% APR representative (variable) 
  • 2.99% balance transfer fee. Minimum fee of £5 

Existing offer –Nationwide purchase and balance transfer credit card:  

Get more time to pay off purchases and be able to transfer an existing balance with this introductory offer. 

  • 0% interest on balance transfers for 15 months 
  • 0% interest on purchases for 15 months 
  • 24.9% APR representative rate (variable) 
  • 2.99% balance transfer fee. Minimum fee of £5 

  

Notes to editors

Notes to Editor:  

*To be eligible for this offer, the customer must make the balance transfer within 90 days of the account opening; otherwise, the fee is the standard 2.4% (min £5) without an interest-free period.