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Balance transfer credit cards

Compare balance transfer credit cards from 6 companies to find a 0% interest credit card deal to transfer your existing balance to. With the longest 0% interest periods on balance transfers now up to 29 months, you could pay no interest on your credit card debts until 2021.

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How much would you like to transfer?

£
Note that this is illustrative and this figure does not reflect the credit limit you will be offered.

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MBNA 0% Transfers and Purchases Card

MBNA 0% Transfers and Purchases Card
26 months
0% interest on balance transfers
20.9% APR
Representative APR (variable)
£86.70
Cost of fees over 26 months
What will I pay?
MBNA 0% Transfers and Purchases Card

Total cost of fees over 26 months:

£86.70

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£118.72

Assuming a balance transfer of £3,000, you will need to repay at least £118.72 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.89% of the balance transferred; 2.89% of £3,000 is £86.70.

How do I pay the card fees?

The fee of £86.70 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £118.72 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 26 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£118.72 p/m
To pay off balance over 26 months
Apply
Representative example: When you spend £1,200 at a rate of 20.93% (variable) per annum, your representative APR is 20.90% APR (variable)

Sainsbury's Bank Balance Transfer Credit Card

Sainsbury's Bank Balance Transfer Credit Card
29 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£90.00
Cost of fees over 29 months
What will I pay?
Sainsbury's Bank Balance Transfer Credit Card

Total cost of fees over 29 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£106.55

Assuming a balance transfer of £3,000, you will need to repay at least £106.55 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 3% of the balance transferred; 3% of £3,000 is £90.00.

How do I pay the card fees?

The fee of £90.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £106.55 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 29 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£106.55 p/m
To pay off balance over 29 months
Apply
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.90% APR (variable)

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card
25 months
0% interest on balance transfers
21.9% APR
Representative APR (variable)
£81.00
Cost of fees over 25 months
What will I pay?
Barclaycard Platinum Purchase & Balance Transfer Visa Credit Card

Total cost of fees over 25 months:

£81.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£123.24

Assuming a balance transfer of £3,000, you will need to repay at least £123.24 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.7% of the balance transferred; 2.7% of £3,000 is £81.00.

How do I pay the card fees?

The fee of £81.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £123.24 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 25 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£123.24 p/m
To pay off balance over 25 months
Apply
Representative example: When you spend £1,200 at a rate of 21.90% (variable) per annum, your representative APR is 21.90% APR (variable)

Halifax 25 Month Balance Transfer Credit Card

Halifax 25 Month Balance Transfer Credit Card
25 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£30.00
Cost of fees over 25 months
What will I pay?
Halifax 25 Month Balance Transfer Credit Card

Total cost of fees over 25 months:

£30.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£121.20

Assuming a balance transfer of £3,000, you will need to repay at least £121.20 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay an initial fee of 3% of the balance transferred; 3% of £3,000 is £90.00. This should be refunded (terms apply) at a later date, so you will pay an "effective fee" of 1% (£30.00). This example uses the effective fee.

How do I pay the card fees?

The fee of £30.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £121.20 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 25 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£121.20 p/m
To pay off balance over 25 months
Apply
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.90% APR (variable)

M&S Credit Card

M&S Credit Card
20 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£87.00
Cost of fees over 20 months
What will I pay?
M&S Credit Card

Total cost of fees over 20 months:

£87.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£154.35

Assuming a balance transfer of £3,000, you will need to repay at least £154.35 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.9% of the balance transferred; 2.9% of £3,000 is £87.00.

How do I pay the card fees?

The fee of £87.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £154.35 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 20 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£154.35 p/m
To pay off balance over 20 months
Apply
Representative example: When you spend £1,200 at a rate of 19.90% (variable) per annum, your representative APR is 19.90% APR (variable)

Virgin Money 29 Month Balance Transfer Credit Card

Virgin Money 29 Month Balance Transfer Credit Card
29 months
0% interest on balance transfers
21.9% APR
Representative APR (variable)
£90.00
Cost of fees over 29 months
What will I pay?
Virgin Money 29 Month Balance Transfer Credit Card

Total cost of fees over 29 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£106.55

Assuming a balance transfer of £3,000, you will need to repay at least £106.55 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 3% of the balance transferred; 3% of £3,000 is £90.00.

How do I pay the card fees?

The fee of £90.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £106.55 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 29 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£106.55 p/m
To pay off balance over 29 months
Apply
Representative example: When you spend £1,200 at a rate of 21.90% (variable) per annum, your representative APR is 21.90% APR (variable)

M&S Transfer Plus Credit Card

M&S Transfer Plus Credit Card
28 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£85.50
Cost of fees over 28 months
What will I pay?
M&S Transfer Plus Credit Card

Total cost of fees over 28 months:

£85.50

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£110.20

Assuming a balance transfer of £3,000, you will need to repay at least £110.20 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.85% of the balance transferred; 2.85% of £3,000 is £85.50.

How do I pay the card fees?

The fee of £85.50 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £110.20 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 28 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£110.20 p/m
To pay off balance over 28 months
Apply
Representative example: When you spend £1,200 at a rate of 19.90% (variable) per annum, your representative APR is 19.90% APR (variable)

Barclaycard Platinum 18 Month Balance Transfer

Barclaycard Platinum 18 Month Balance Transfer
18 months
0% interest on balance transfers
21.9% APR
Representative APR (variable)
£0.00
Cost of fees over 18 months
What will I pay?
Barclaycard Platinum 18 Month Balance Transfer

Total cost of fees over 18 months:

£0.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£166.67

Assuming a balance transfer of £3,000, you will need to repay at least £166.67 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 0% of the balance transferred; 0% of £3,000 is £0.00.

How are the monthly repayments calculated?

The monthly repayment of £166.67 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 18 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£166.67 p/m
To pay off balance over 18 months
Apply
Representative example: When you spend £1,200 at a rate of 21.90% (variable) per annum, your representative APR is 21.90% APR (variable)

Sainsbury’s Bank Dual Credit Card

Sainsbury’s Bank Dual Credit Card
22 months
0% interest on balance transfers
20.9% APR
Representative APR (variable)
£90.00
Cost of fees over 22 months
What will I pay?
Sainsbury’s Bank Dual Credit Card

Total cost of fees over 22 months:

£90.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£140.45

Assuming a balance transfer of £3,000, you will need to repay at least £140.45 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 3% of the balance transferred; 3% of £3,000 is £90.00.

How do I pay the card fees?

The fee of £90.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £140.45 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 22 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£140.45 p/m
To pay off balance over 22 months
Apply
Representative example: When you spend £1,200 at a rate of 20.95% (variable) per annum, your representative APR is 20.90% APR (variable)

Virgin Money 23 Month All Round Credit Card

Virgin Money 23 Month All Round Credit Card
23 months
0% interest on balance transfers
21.9% APR
Representative APR (variable)
£87.00
Cost of fees over 23 months
What will I pay?
Virgin Money 23 Month All Round Credit Card

Total cost of fees over 23 months:

£87.00

This is assuming you will make a balance transfer of £3,000.

Monthly repayments:

£134.22

Assuming a balance transfer of £3,000, you will need to repay at least £134.22 to clear the balance before the 0% offer expires.

How are the card fees calculated?

With this card, for each transfer you pay a fee of 2.9% of the balance transferred; 2.9% of £3,000 is £87.00.

How do I pay the card fees?

The fee of £87.00 will be added to your total balance of £3,000. You can gradually repay it as part of your monthly repayments, along with the rest of your card balance, or make a large one-off payment to cover it.

How are the monthly repayments calculated?

The monthly repayment of £134.22 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 23 months ends. We've factored in any account or balance transfer fees too.

What if I don't fully repay my balance when the 0% offer expires?

If you've not repaid your balance at the end of the 0% interest period you will be charged interest on the remaining balance.

£134.22 p/m
To pay off balance over 23 months
Apply
Representative example: When you spend £1,200 at a rate of 21.90% (variable) per annum, your representative APR is 21.90% APR (variable)
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Frequently asked questions

0% balance transfer credit cards

A 0% balance transfer credit card allows you to transfer debt from existing credit cards, to one with a 0% introductory deal.

This means you can pay off your debt over a longer period without worrying about paying extra in interest repayments.

This can be a good way to save money on the cost of paying back your credit card debt.

It can also be a good way to make your debts more manageable. You can consolidate your debts from multiple credit cards and keep them all in one place.

How to compare balance transfer credit cards

There are a few things to look for when comparing balance transfer credit cards.

Duration of the 0% balance transfer offer

Most cards come with a 0% interest offer. This allows you to pay off your credit card debt within a specified time period without being charged interest.

To make the most from the introductory offer, calculate how much you’ll need to pay back each month to complete your repayments within the 0% interest period.

For example

You transfer £1,000 to a card with a 24 month 0% introductory offer.

The transfer fee is 3% costing you £30

In total you owe £1,300

The total debt divided by 24 months is £42.92

To pay off the credit card in full during the 0% introductory period, each month you'd need to pay: £42.92

You might get a shorter introductory period than advertised

Be careful. If you’ve had credit problems in the past you might be given a shorter introductory period than you see advertised.

Check when the 0% offer ends

0% balance transfer offers do not last forever. When the introductory offer ends, the interest will go back to a more expensive standard rate.

To avoid paying interest, when you transfer your credit card balance to a new card, always make a note of when the introductory 0% interest rate ends.

What the 0% deal covers

A credit card might offer a long 0% balance transfer rate that lasts years. But it might only offer a few months of interest free spending.

Generally it’s better to have your balance transfer credit card just for balance transfers. But it’s worth knowing what rates you’ll be paying for spending on it too, just in case you need to.

If you have a large debt to pay over the 0% interest period try to avoid spending on the card after transferring a balance to it.

Or if you're looking for a card that offers a good rate on both, you might want to consider a 0% balance transfer and purchase credit card.

Cost of the balance transfer fee

Most credit card providers charge a balance transfer fee of around 3% when you move your debt from one card to another. This varies between cards and providers.

As the fee is worked out as a percentage, the cost of the transfer fee will rise with the amount you transfer.

For example

You transfer £1,000. The transfer fee is 3%.

It'll cost you £30 to transfer your balance.

You transfer £2,000. The transfer fee is 3%.

It'll cost you £60 to transfer your balance.

But do not let the fee put you off. Even with the fee, you’re still likely to be paying less overall compared to your existing credit card.

Some credit cards will offer a discount on the initial balance transfer fee provided you meet their terms and conditions. This usually includes paying off your balance on time each month.

APR

APR is there to help you compare credit card deals more easily. APR stands for annual percentage rate.

It helps you work out what the credit card will cost you once your 0% introductory period ends. A higher APR means higher repayments.

It takes into account the interest rate and additional charges of a credit card offer.

You might get a higher APR than advertised

But the rate you see advertised isn’t necessarily the rate you will get. Credit card providers only have to give the typical APR they advertise to around 50% of successful applicants. If you’ve had credit problems in the past you might be given a higher APR.

Check that the rate you see advertised is the rate you will actually get to avoid a shock when your first statement arrives.

Are money transfers included?

Some balance transfer credit cards will also include 0% on money transfers.

Money transfers allow you to pay money from your credit card into your current account. So you can pay off overdraft debt, not just credit card debt.

These deals will also come with a fee, usually around 4% but this will vary from provider to provider.

These balance and money transfer credit cards can be vital for consolidating debt from a variety of areas. It could be worth considering if you have debt elsewhere and not just from your credit card.

Finding the best balance transfer cards

The best balance transfer credit card for you will depend on your needs. But to help you find the best deal you should look for:

  • Lowest APRs
  • 0% balance transfer fees
  • Longest 0% introductory periods

Also consider what other features you might need including:

  • Money transfers
  • 0% purchases

Balance transfer credit cards for bad credit

Your options for balance transfer credit cards will be limited if you have bad credit.

Most credit cards transfer deals will only accept people with a good or excellent credit rating.

You might have a higher chance of being approved for a credit card for bad credit.

Find out more about balance transfer cards