Our Current Top Card

Halifax
- Balance Transfer Credit Card (35 Mths) -

  • 0% for 6 Months on Purchases
  • 0% Interest for 35 Months on Balance Transfers Made Within 60 Days
  • 3% Transfer Fee

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

MBNA Limited

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.45%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

nuba

Balance Transfers
41 Months
0% interest on
Balance Transfers

Fee
3.49%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Sainsburys Bank

Balance Transfers
37 Months
0% interest on
Balance Transfers

Fee
1.98%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.69%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.69%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

MBNA Limited

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
1.99%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

nuba

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Virgin Money

Balance Transfers
36 Months
0% interest on
Balance Transfers

Fee
2.8%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).

Post Office Money

Balance Transfers
Up to 35 Months
0% interest on
Balance Transfers

Fee
2.85%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Barclaycard

Balance Transfers
35 Months
0% interest on
Balance Transfers

Fee
1.85%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

  Balance Transfer refund will be made within 28 days


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Lloyds Bank

Balance Transfers
35 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Halifax

Balance Transfers
35 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Lloyds Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
1.4%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

HSBC

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.6%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Tesco Bank

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.99%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

HSBC

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
1.4%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

nuba

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.56%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

MBNA Limited

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
1.15%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Virgin Money

Balance Transfers
32 Months
0% interest on
Balance Transfers

Fee
0.6%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).

Virgin Money

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Sainsburys Bank

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
1.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

nuba

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
2.73%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Bank of Scotland

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
1.2%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Halifax

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
1.2%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Barclaycard

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
0.55%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

  Balance Transfer refund will be made within 28 days


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Virgin Money

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
0.55%
Transfer Fee

Representative APR.
20.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 20.9% APR (variable).

Santander

Balance Transfers
30 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
21.7% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.7% APR (variable).

Lloyds Bank

Balance Transfers
29 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Bank of Scotland

Balance Transfers
29 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Halifax

Balance Transfers
29 Months
0% interest on
Balance Transfers

Fee
2.5%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Lloyds Bank

Balance Transfers
29 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
23.7% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £2.00 monthly fee your representative rate will be 23.7% APR (variable).

Lloyds Bank

Balance Transfers
29 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
23.7% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £2.00 monthly fee your representative rate will be 23.7% APR (variable).

Sainsburys Bank

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Santander

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

First Direct

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
2.29%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Barclaycard

Balance Transfers
27 Months
0% interest on
Balance Transfers

Fee
1.45%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal

 Balance Transfer refund will be made within 28 days


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

MBNA Limited

Balance Transfers
26 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% 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: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% APR (variable).

nuba

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
2.39%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Sainsburys Bank

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Post Office Money

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Halifax

Balance Transfers
25 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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

  Balance Transfer refund will be made within 28 days


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 18% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18% APR (variable).

Lloyds Bank

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Bank of Scotland

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

MBNA Limited

Balance Transfers
24 Months
0% interest on
Balance Transfers

Fee
3.45%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Tesco Bank

Balance Transfers
22 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

Creation Financial Services

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Creation Financial Services

Balance Transfers
20 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Sainsburys Bank

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.89%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

HSBC

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
1.4%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

John Lewis

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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


Representative Example: If you spend £1,200 at a purchase interest rate of 24.99% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).

Bank of Scotland

Balance Transfers
18 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
27.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 27.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 27.9% 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 49.8% APR (variable).

Tesco Bank

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
0.85%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

ASDA

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
26.2% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 26.2% APR (variable).

IHG Rewards Club

Balance Transfers
15 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
42.2% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £8.25 monthly fee your representative rate will be 42.2% 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


Representative Example: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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


Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

Clydesdale Bank

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Yorkshire Bank

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Flybe

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

IHG Rewards Club

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Virgin Money

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% APR (variable).

ASDA

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
19.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 19.9% 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


Representative Example: If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% 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


Representative Example: If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 21.9% APR (variable).

Debenhams

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable


Representative Example: If you spend £1,200 at a purchase interest rate of 24.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).

Capital One

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable


Representative Example: If you spend £1,200 at a purchase interest rate of 24.93% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).

IHG Rewards Club

Balance Transfers
12 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
41.5% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £8.25 monthly fee your representative rate will be 41.5% APR (variable).

Saga

Balance Transfers
9 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
11.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 11.29% p.a. (variable) with a £0.00 monthly fee your representative rate will be 11.9% 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: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

House of Fraser

Balance Transfers
9 Months
0% interest on
Balance Transfers

Fee
2.99%
Transfer Fee

Representative APR.
24.9% APR
Representative
variable


Representative Example: If you spend £1,200 at a purchase interest rate of 24.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 24.9% APR (variable).

Bank of Ireland (NI)

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
2.98%
Transfer Fee

Representative APR.
17.9% APR
Representative
variable


Representative Example: If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 17.9% APR (variable).

Halifax

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

M&S Bank

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% 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: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 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: If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

Virgin Atlantic

Balance Transfers
6 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
63.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £13.33 monthly fee your representative rate will be 63.9% APR (variable).

Danske Bank

Balance Transfers
5 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
22.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 22.85% p.a. (variable) with a £0.00 monthly fee your representative rate will be 22.9% 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: If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

Capital One

Balance Transfers
4 Months
0% interest on
Balance Transfers

Fee
3%
Transfer Fee

Representative APR.
34.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 34.9% APR (variable).

Tesco Bank

Balance Transfers
3 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Balance Transfers
3 Months
0% interest on
Balance Transfers

Fee
2.9%
Transfer Fee

Representative APR.
18.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 18.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% APR (variable).

Tesco Bank

Balance Transfers
1 Months
0% interest on
Balance Transfers

Fee
0%
Transfer Fee

Representative APR.
5.9% APR
Representative
variable

See Deal


Representative Example: If you spend £1,200 at a purchase interest rate of 5.94% p.a. (variable) with a £0.00 monthly fee your representative rate will be 5.9% 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: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £0.00 monthly fee your representative rate will be 18.9% 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.