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No fee balance transfer credit cards

No-fee balance transfer cards enable you to transfer your credit debts to a new card without paying any upfront fees. Compare credit cards with 0% transfer fees from eight companies below.

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Top deal Balance transfer Transfer fee APR
Santander All in One Credit Card

Santander All in One Credit Card

Santander All in One Credit Card

  • Monthly fee of £3 applies
  • If you have a 1|2|3 current account Santander will refund the £3 fee for the first 6 months. Terms apply
  • 0.5% cashback on all purchases with no limit to how much you can earn. Terms apply
    • More info
30
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
21.7% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • minimum income of £7,500
  • have a good credit rating
  • No transfers from Santander

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, with a £3 monthly fee, your representative APR is 21.7% APR (variable)
Santander Everyday Credit Card

Santander Everyday Credit Card

Santander Everyday Credit Card

  • 27 months 0% on balance transfers from account opening with no transfer fee
  • 3 months 0% on purchases from account opening
  • Manage your account online or with Santander app
    • More info
27
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
18.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • minimum income of £7,500
  • must not be an existing Santander balance transfer credit card customer
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may 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)
MBNA 26m Balance Transfer Credit Card

MBNA 26m Balance Transfer Credit Card

MBNA 26m Balance Transfer Credit Card

  • Up to 26 months 0% on balance transfers with no transfer 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
    • More info
26
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
19.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
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
  • eligibility check - see if you qualify without affecting your credit rating. Depending on the results, product details may vary
  • cannot transfer from MBNA accounts

Additional criteria for acceptance from the lender may 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)
Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

Sainsbury's Bank No Balance Transfer Fee Credit Card

  • Offer only available until 30 July 2018
  • Up to 5,000 bonus Nectar points. Each time you spend £20 or more on Sainsbury's shopping in the first two months you'll get 500 points. T&Cs apply
  • No balance transfer fee on transfers made in the first 3 months (3% thereafter, £3 minimum fee)
    • More info
25
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
18.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable)
Halifax 25 Month Balance Transfer Credit Card

Halifax 25 Month Balance Transfer Credit Card

Halifax 25 Month Balance Transfer Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • Manage your card online using internet banking and mobile banking
  • You may be eligible to apply for this as a second credit card. Terms apply
    • More info
25
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
19.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
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 Halifax

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Bank of Scotland Platinum 24 Month Balance Transfer Card

Bank of Scotland Platinum 24 Month Balance Transfer Card

Bank of Scotland Platinum 24 Month Balance Transfer Card

  • 0% fee on balance transfers within the first 90 days, 3% thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
  • Manage your card online using internet and mobile banking
    • More info
24
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
19.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
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 Bank of Scotland plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable)
Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

  • 0% fee on balances transferred within 90 days of account opening, 3% thereafter
  • You may be eligible to apply for this as a second credit card. Terms apply
  • 0% on purchases for 3 months
    • More info
24
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
19.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
To get this card you must at least:
  • have no CCJs (past 5 years)
  • aged 18 or older
  • be a resident of the UK
  • have regular income
  • no balance transfers from Lloyds Bank plc

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.94% (variable) per annum, your representative APR is 19.9% APR (variable)
Tesco Bank 22 Month No Balance Transfer Fee Credit Card

Tesco Bank 22 Month No Balance Transfer Fee Credit Card

Tesco Bank 22 Month No Balance Transfer Fee Credit Card

  • The 0% offer applies to any balances transferred within the first 90 days of opening your account
  • Earn Tesco Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
  • Online application decision in 60 seconds
    • More info
22
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
18.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 18.941% (variable) per annum, your representative APR is 18.9% APR (variable)
Tesco Bank 12 Month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 Month No Balance Transfer Fee Clubcard Credit Card

Tesco Bank 12 Month No Balance Transfer Fee Clubcard Credit Card

  • 0% fee for transfers in first 90 days, 3% fee thereafter
  • The 0% interest period applies to transfers made within 90 days of account opening
  • Earn Tesco Clubcard points wherever you use the card plus the usual points in Tesco. Terms apply
    • More info
12
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
18.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
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.

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 Travel Credit Card

Virgin Money Travel Credit Card

Virgin Money Travel Credit Card

  • 12 months 0% on purchases
  • 12 months 0% balance transfer fee in first 60 days, 5% thereafter
  • 12 months on money transfers (2% transfer fee)
    • More info
12
 months
0% interest on transfers
0% interest on transfers
0.0%
Transfer fee
Balance transfer fee
19.9% APR
Representative (variable)
Representative APR (variable)
More info
Can I get this card?
?
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.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, your representative APR is 19.9% APR (variable)
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uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Frequently asked questions

What are 0% fee balance transfer cards?

These are cards that allow you to transfer a balance onto a different card without being charged the usual upfront transfer fees that are typically around 1-4%.

How do no-fee balance transfer cards work?

Balance transfer credit cards with zero fees work just the same as any other balance transfer credit card, just they don’t charge an upfront fee to transfer your balance.

A balance transfer card allows you transfer existing credit card debts to it. Many typically offer a 0% interest period so you can avoid paying interest on your card debts for a set period of time.

What are the advantages of a no-fee balance transfer credit card?

Obviously the man advantage is you don’t need to pay any upfront fees for the transferring your balance.

If you’re savvy and pay off your credit card balance in full before the 0% interest period expires you could avoid paying any charges related to your card altogether.

What’s the disadvantage of a 0% fee balance transfer credit card?

While it is free to transfer your existing card debts, no fee balance transfer cards generally have a shorter 0% interest offer than their fee charging counterparts.

So, if you’re not careful you could easily slip into paying interest when the 0% interest period expires.

The trick to successfully avoiding paying interest on card debts is to simply divide the a mount you owe by the length of the remaining 0% period and set up direct debits for this amount each month.

How to find a no-fee balance transfer credit card

Filter the tables by ‘transfer fee’ to find the balance transfer cards that charge zero for upfront transfer fees.

Also it’s worth understanding the difference between initial and effective fees. Many cards charge an initial upfront fee that is refunded once you make your first repayment, the fee after the refund is the effective fee.

Some cards may have an effective fee of 0% but will charge an initial fee, so it’s worth checking out the small print and comparing carefully.

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.