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MBNA Platinum 39 Month Money Transfer Credit Card
MBNA Platinum 39 Month Money Transfer Credit Card
39 months
3.45%
24 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Up to 39 months 0% on money transfers (3.45% fee) in first 60 days, 22.9% p.a. and 5% fee thereafter
  • Up to 24 months 0% on balance transfers (3.45% fee) in first 60 days, 20.9% p.a. and 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • no balance transfers between MBNA accounts
Additional criteria for acceptance from the lender may apply.
Tesco Bank Clubcard Credit Card for Money Transfers
Tesco Bank Clubcard Credit Card for Money Transfers
39 months
3.94%
39 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • 39 months 0% for money transfers (3.94% fee)
  • 0% offer is applied to any balances or money transferred within the first 90 days of opening your account.
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Tesco Bank credit cards
Additional criteria for acceptance from the lender may apply.
Virgin Money 36 Month Money Transfer Credit Card
Virgin Money 36 Month Money Transfer Credit Card
36 months
2.9%
36 months
20.9% APR
Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Key details
Card details
  • 36 months 0% for money and balance transfers (2.9% transfer fee)
  • 3 months 0% for purchases
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc
Additional criteria for acceptance from the lender may apply.
MBNA All Round Credit Card
MBNA All Round Credit Card
30 months
4%
30 months
19.9% APR
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Key details
Card details
  • Up to 30 months 0% on balance transfers (2.72% fee) in first 60 days, 20.9% p.a. with 5% fee thereafter
  • Up to 30 months 0% on purchases from the date your account is opened
  • Up to 30 months 0% on money transfer (4% fee) in first 60 days, 22.9% p.a with 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • have a good credit history
  • hold a UK bank or building society account
  • no balance transfers between MBNA accounts
Additional criteria for acceptance from the lender may apply.
Virgin Money 30 Month Balance Transfer Credit Card
Virgin Money 30 Month Balance Transfer Credit Card
30 months
4%
30 months
20.9% APR
Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Key details
Card details
  • 30 months 0% on balance transfers (0.55% transfer fee)
  • 30 months 0% on money transfers (4% fee for first 60 days, 5% thereafter)
  • 3 months 0% for purchases
To get this card you must at least:
  • be 18 or older
  • be a UK resident.
  • have a UK bank or building society account
  • have good credit history
Additional criteria for acceptance from the lender may apply.
Virgin Money 27 Month All Round Credit Card
Virgin Money 27 Month All Round Credit Card
27 months
2.7%
27 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • 27 months 0% for balance transfers, money transfers and purchases
  • 2.70% balance transfer fee
  • 2.70% money transfer fee
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc
Additional criteria for acceptance from the lender may apply.
MBNA Platinum 30 Month Credit Card
MBNA Platinum 30 Month Credit Card
24 months
4%
30 months
18.9% APR
Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, your representative APR is 18.9% APR (variable)
Key details
Card details
  • Up to 30 months 0% on balance transfers (0.64% fee) in first 60 days, 20.9% p.a. and 5% fee thereafter
  • Up to 24 months 0% on money transfers (4% fee) in first 60 days, 22.9% p.a. and 5% fee thereafter
  • £20 cash back if you make balance transfers or money transfers totalling at least £1,000 within the first 60 days of your account opening. Terms apply.
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • no balance transfers between MBNA accounts
Additional criteria for acceptance from the lender may apply.
Virgin Money No Balance Transfer Fee Credit Card
Virgin Money No Balance Transfer Fee Credit Card
24 months
4%
24 months
19.9% APR
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Key details
Card details
  • 4% money transfer fee in first 60 days, 5% thereafter
  • 24 months 0% on balance transfers (0% fee in first 60 days, 5% thereafter)
  • 3 months 0% on purchases
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc
Additional criteria for acceptance from the lender may apply.
Virgin Money 38 Month Balance Transfer Credit Card
Virgin Money 38 Month Balance Transfer Credit Card
20 months
1.9%
38 months
20.9% APR
Representative example: When you spend £1,200 at a rate of 20.9% (variable) per annum, your representative APR is 20.9% APR (variable)
Key details
Card details
  • 38 months 0% on balance transfers (1.5% transfer fee)
  • 20 months 0% on money transfers (1.9% transfer fee)
  • 3 months 0% on purchases
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have good credit history
  • no balance transfers from Virgin Money plc
Additional criteria for acceptance from the lender may apply.
MBNA Platinum 38 Month Credit Card
MBNA Platinum 38 Month Credit Card
20 months
4%
38 months
19.9% APR
Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
Key details
Card details
  • Up to 38 months 0% on balance transfers (1.44% fee) in first 60 days, 21.9% p.a. and 5% fee thereafter
  • Up to 20 months 0% on money transfers (4% fee) in first 60 days, 23.9% p.a. and 5% fee thereafter
To get this card you must at least:
  • be a UK resident for at least 3 years
  • be 18 or older
  • hold a UK bank or building society account
  • have a good credit history
  • no balance transfers between MBNA accounts
Additional criteria for acceptance from the lender may apply.

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

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Frequently asked questions

What is a money transfer credit card?

A money transfer card enables you to transfer money from your credit card to bank account, effectively giving you a small cash loan.

How does a money transfer credit card work?

A credit card money transfer works in a similar way to a balance transfer credit card, only it transfers money into your bank account instead of to your credit card. You are then in debt on your money-transfer card, however the best money transfer cards have 0% interest periods lasting over two years.

Although you will have to pay a fee to transfer the money, which will be around 1% to 3% of the money transferred.

What is it used for?

You can use it to pay off overdrafts that are becoming expensive or to get cash to make a purchase that requires cash, rather than credit. You can also use the money from your current account to pay off loans that have high interest rates.

The 0% interest period on money transfer credit cards allows you to put-off paying interest on your debt, if you can pay back the balance before the interest-free period expires you can avoid paying interest all-together.

What to look out for

Money transfer cards usually trade off the length of the interest free period against the transfer fee, so the longer the 0% period the bigger the transfer fee and vice versa.

So it’s worth working out what’s better for you. Whether a lower transfer fee for a shorter interest free period could save you more money than a longer time spent not paying interest largely depends on how long it will take you to pay off the debt.

If you think you can pay off the debt in a shorter time you’d be better off going for the cheaper transfer fees.

Also, bear in mind that most money transfer cards do not offer interest free purchases for the same period as the 0% balance transfer period.

How can I use a money transfer credit card to save money?

For example, let’s say you have a debt of £1500. An APR of 20% will add £25 a month onto the debt (or £300 a year). Transferring money from a card for a one-off 3% fee will cost you £45, you can then have a holiday from paying interest for between three months and two years.

However, like a balance-transfer card or 0% purchase card, you will need to meet your minimum monthly repayments or you risk losing your interest free period.

Are money transfer credit cards the best way to borrow cash?

Credit card transfers can be an effective way of borrowing small amounts of money over the short term without paying interest. However, typically you will need a good credit rating and make sure to meet the minimum repayments.

If you do not repay the card before the interest-free period expires you will be charged the full interest on your remaining debt.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.