0% Balance Transfer Fee
Credit Cards

Compare 0% balance transfer cards with Money Expert and delay paying interest on your current credit card debt.

Compare the best 0% Balance Transfer Credit Cards

Santander

Balance Transfers
43 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
21.7% APR
Representative
variable

See Deal

 0% for 43 months on balance transfers and purchases from the date of account opening.  0.00% balance transfer fee applies during the introductory period. No monthly fee for 6 months on the All in One Credit Card if you have a 1|2|3 current account. Qualifying criteria applies. A £3 monthly fee applies. Apple pay - Pay with your iPhone, iPad or Apple Watch.

Representative example: When you spend £1,200 at a rate of 21.7% (variable per annum), your Representative APR is 21.7% APR (variable)

AA

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.25%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Post Office Money

Balance Transfers
Up to 41 Months
0% interest on
Balance Transfers

Fee
3.25%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. 0% on balance transfers for up to 41 months.3.25% fee applies and balance transfers must be made within 3 months of account opening. No cash fee to buy travel money at the Post Office. 0% on purchases for the first 3 months. No annual fee. 

Representative example: When you spend £1200 at a rate of 18.9 (variable) per annum, your representative APR is 18.9% APR (variable)

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Barclaycard

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
1.68%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

0% interest on balance transfers for 40 months from account opening (1.68% handling fee applies). A fee of 3.5% will be applied, then reduced to 1.68% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

Virgin Money

Balance Transfers
40 Months
0% interest on
Balance Transfers

Fee
1.7%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 20.9% APR (variable)

MBNA Limited

Balance Transfers
39 Months
0% interest on
Balance Transfers

Fee
2.45%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Virgin Money

Balance Transfers
39 Months
0% interest on
Balance Transfers

Fee
2.4%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 20.9% APR (variable)

Virgin Money

Balance Transfers
38 Months
0% interest on
Balance Transfers

Fee
1.5%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 20.9% APR (variable)

Virgin Money

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 20.9% (variable per annum), your Representative APR is 20.9% APR (variable)

Sainsburys Bank

Balance Transfers
35 Months
0% interest on
Balance Transfers

Fee
1.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

M&S Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

M&S Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

HSBC

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.6%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Barclaycard

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.6%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

0% interest on balance transfers for 32 months from account opening (0.60% fee applies). A fee of 3.5% will be applied, then reduced to 0.60% by a refund (terms and conditions apply). 0% interest on purchases for 6 months from account opening.

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

Post Office Money

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
2.75%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. For everyday purchases and balance transfers. 0% on balance transfers for the first 30 months*. 0% on balance transfers for 30 months. No cash fee on Travel Money at the Post Office with the Post Office Money Matched Card.

*A 2.75% fee applies and balance transfers must be made within 3 months of account opening.

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Santander

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
2.75%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for 30 months on balance transfers and purchases from the date of account opening.  2.75% balance transfer fee applies during the introductory period. No annual fee. Apple pay - Pay with your iPhone, iPad or Apple Watch.

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

MBNA Limited

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
2.72%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

Virgin Money

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
0.55%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

TSB

Balance Transfers
28 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest for up to 28 months on balance transfers made on or before 4th October 2017. 0.00% Balance Transfer Fee, after a refund of 0.5% in 60 days. £100 minimum balance transfer. Subject to status and lending criteria. 0% on purchases for the first 3 months. Promotional offer ends 6th Sept 2017. All balance transfers must be made on or before 4th October 2017.

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Virgin Money

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
2.7%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

HSBC

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 22.9% (variable per annum), your Representative APR is 22.9% APR (variable)

M&S Bank

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Barclaycard

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
1.49%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

0% interest on purchases for 25 months and 0% interest for 25 months on balance transfers (1.49% transfer fee applies). A fee of 3% will be applied, then reduced to 1.49% by a refund (terms and conditions apply).

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

Barclaycard

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

0% for 25 months on balance transfers (0.00% fee applies). A fee of 3.5% will be applied, then reduced to 0.00% by a refund. 0% interest on purchases for 6 months

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

Bank of Ireland (NI)

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
2.49%
Transfer Fee

Representative APR.
17.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 17.9% APR (variable)

The Co-operative Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
1%
Transfer Fee

Representative APR.
18% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18% (variable per annum), your Representative APR is 18% APR (variable)

TSB

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
2.95%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% interest for the first 20 months on balance transfers within the first 90 days (2.95% Balance Transfer Fee applies). A Balance Transfer Fee of 2.95% applies. 0% on purchases for 20 months. Minimum £100 balance transfer. 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply).

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Post Office Money

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. No balance transfer fee and 0% on balance transfers for 22 months with our Post Office Money Platinum Credit Card.
Balance transfers must be made within three months of account opening. No fees on purchases overseas. No cash fee to buy travel money at the Post Office. 0% on all purchases for the first 3 months.

Representative example: When you spend £1200 at a rate of 17.8 (variable) per annum, your representative APR is 17.8% APR (variable)

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Virgin Money

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 19.9% (variable per annum), your Representative APR is 19.9% APR (variable)

Barclaycard

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable

See Deal

0% interest on balance transfers for 18 months from account opening (2.99% handling fee applies). 0% interest on purchases for 3 months from account opening.

Representative example: When you spend £1,200 at a rate of 24.9% (variable per annum), your Representative APR is 24.9% APR (variable)

Santander

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
49.8% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 49.8% (variable per annum), your Representative APR is 49.8% APR (variable)

AA

Balance Transfers
16 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

0% for 18 months on balance transfers made in the first 3 months. A 2.89% fee applies to balance transfers. 0% on all purchases for 28 months from the date your account is opened. To qualify, a transaction must be made within the first 3 months, otherwise the promotional period will be reduced to 20 months. Contactless Payments. Instant Decision. No Annual Fee. Additional card security when you shop online with MasterCard® SecureCode™.
AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Hilton HHonors

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Earn a free night e-certificate, for one weekend night at many participating hotels in the Hilton Worldwide portfolio, when you spend £750 in the first 90 days (terms and conditions apply). ​Enjoy HHonors Silver status for as long as you are a card member. Earn an upgrade to HHonors Gold status any time your total spending reaches £10,000 in a calendar year. Earn 3 HHonors Bonus Points for every £1 you spend at hotels and resorts within the Hilton Worldwide portfolio. Earn 2 HHonors Bonus Points for every £1 you spend on everyday purchases. Plus, earn 2,500 HHonors Bonus Points for each of your first 4 stays at a hotel or resort within the Hilton Worldwide portfolio. Stays must be within the first 12 months of opening your account and be paid for using your Hilton HHonors Platinum Visa Card. 0% on balance transfers for 15 months from account opening (2.99% fee applies).

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Nationwide Building Society

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
15.9% APR
Representative
variable

See Deal

0% on balance transfers for 12 months. Balance transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. 0.5% unlimited cashback on all sterling purchases. Fraud Protection Guarantee. Simply Rewards. Unlimited commission-free purchases abroad.Just for Nationwide members. Our credit cards are just for members. You're a member when you have a current account, mortgage or savings account with us

Representative example: When you spend £1,200 at a rate of 15.9% (variable per annum), your Representative APR is 15.9% APR (variable)

Nationwide Building Society

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
17.9% APR
Representative
variable

See Deal

0% on balance transfers for 12 months. Balance Transfers must be completed within 3 months of account opening. No balance transfer fee. 0% on purchases for 12 months. Earn commission-free purchases abroad. A great range of savings on big brands with our Simply Rewards Scheme. Simply use your Nationwide debit or credit card to take advantage of the offers. Fraud guarantee gives you 24/7 account monitoring and the latest card protection technology. Manage your account online. Just for Nationwide members. Our credit cards are just for members. You're a member when you have a current account, mortgage or savings account with us

Representative example: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 17.9% APR (variable)

Creation Financial Services

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Barclaycard

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
0.15%
Transfer Fee

Representative APR.
21.9% APR
Representative
variable

See Deal

Rewards range from the high street, online favourites, places to eat and drink, to top entertainment and days out. Earn points wherever you shop, with double Freedom points on your UK supermarket, petrol station and all Transport for London (TfL) spend. Free ongoing access to your Experian Credit Score. 0% interest on balance transfers for the first 12 months (0.15% fee applies). 0% interest on purchases for 12 months from account opening.

Representative example: When you spend £1,200 at a rate of 21.9% (variable per annum), your Representative APR is 21.9% APR (variable)

Miles & More

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 22.9% (variable per annum), your Representative APR is 22.9% APR (variable)

Bank of Ireland (NI)

Balance Transfers
9 Months
0% interest on
Balance Transfers

Fee
2.98%
Transfer Fee

Representative APR.
17.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 17.9% (variable per annum), your Representative APR is 17.9% APR (variable)

John Lewis

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
16.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 16.9% (variable per annum), your Representative APR is 16.9% APR (variable)

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 22.9% (variable per annum), your Representative APR is 22.9% APR (variable)

Capital One

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 34.9% APR (variable)

aqua

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 34.9% APR (variable)

Marbles

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 34.9% APR (variable)

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
57.4% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 57.4% (variable per annum), your Representative APR is 57.4% APR (variable)

Marbles

Balance Transfers
5 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 34.9% (variable per annum), your Representative APR is 34.9% APR (variable)

AA

Balance Transfers
3 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
5.85% APR
Representative
variable

See Deal

5.85% p.a. (variable) interest on purchases and balance transfers. No fee to make balance transfers. No annual fee. AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.

Representative example: When you spend £1,200 at a rate of 5.85% (variable per annum), your Representative APR is 5.85% APR (variable)

TSB

Balance Transfers
3 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
7.9% APR
Representative
variable

See Deal

0% interest on purchases for the first 3 months. 0% p.a. interest for the first 3 months on balance transfers within the first 90 days (0.00% fee applies). 3% balance transfer fee applies after 90 days. Interest will be charged from day of transaction. Subject to status and Lending Criteria. 1% cashback on purchases if you also hold the TSB Classic Plus current account. Maximum cashback £5 per month until 30 June 2018 (terms and conditions apply).

Representative example: When you spend £1,200 at a rate of 7.9% (variable per annum), your Representative APR is 7.9% APR (variable)

Santander

Balance Transfers
1 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 18.9% (variable per annum), your Representative APR is 18.9% APR (variable)

Tesco Bank

Balance Transfers
1 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
56.5% APR
Representative
variable

See Deal

Representative example: When you spend £1,200 at a rate of 56.5% (variable per annum), your Representative APR is 56.5% APR (variable)

0% Balance Transfer Credit Cards

How do 0% Balance Transfer cards work?

0% balance transfer cards give you the opportunity to move your credit card debt that you currently have onto a new credit card which has 0% interest for an introductory period as long as 12 months. For example if you had built up £800 of debt on one credit card which had an interest rate of 15% and racked up £200 worth of debt on another card with an interest rate of 18%, it would be to your advantage to move the full £1000 worth of debt onto a 0% balance transfer credit card so that you could avoid paying interest on your debt for the 12 month introductory period.

There Is a Small Fee For Balance Transfer Cards

Although initially there will be no interest payments on your debt, balance transfer credit cards will often have a small fee that you will have to pay in order to transfer the balance of your other credit cards over. This fee will be in the region of two to three percent of the amount which you transfer over. For example if you were to transfer over £1000 of credit you would likely pay roughly £20 to £30 as a fee for making the transfer. This however should not dissuade you for using a balance transfer credit card, as you will more than likely make this amount back and more by not having to pay interest on your debt for the first 12 months or so.

Be Aware of The Interest on Purchases

Balance transfer credit cards will have 0% on the credit which you owe for up to 12 months, however they may not have 0% on purchases for the same amount of time. For this reason it is advisable that you make sure to be aware of interest on the purchases if you are planning on using your new card for spending. Balance transfer cards are generally not intended to be used for things like shopping, so often the interest on purchases will only be 0% for up to three months. If you feel that you are going to need a credit card which has the benefits of 0% interest on purchase, then you will likely be interested in getting a 0% purchase credit card for your purchases and then using a 0% balance transfer credit card purely for holding your current debt until it is paid off.

Making Monthly Payments On Your Card

It’s important to pay off the debt on your balance transfer card within the 12 month introductory period before the interest increases from 0%. This way you will not have to pay any interest on your debt and will therefore make a significant saving. You should avoid falling into the trap of feeling safe in the knowledge that for the near future you will not be paying any interest, as this is only temporary. A good thing to do is to cut up your old credit card to take away the temptation to use it and rack up more debt; also it is advisable to set up a direct debit from your bank account to pay off the debt on your transfer credit card to make sure that you do not forget to cover your monthly payments.

The Disadvantages Of a 0% Balance Transfer Credit Card

The disadvantages of using a balance transfer credit card are that there will be a transfer fee, and that the 0% interest on the credit you owe will only last for 12 months. This means that if you want to make a significant saving it is preferable that you to pay off your credit within the 12 month period before the interest payments begin. Therefore for those who are not able to cover their debt in that span of time, transfer cards are much less of an advantage for them. You should also watch out for penalty charges which you may have to pay in the event that you miss a payment or go over your credit limit. This can make using a balance transfer card risky if you don’t feel that you can be reliable with your payments and your spending habits.