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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.

Check your eligibility for credit cards

  1. Improve your chances of being accepted
  2. It won't affect your credit score
  3. It's quick, free and easy

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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Santander Everyday Credit Card
Santander Everyday Credit Card
27 months
0% interest on balance transfers
18.9% APR
Representative APR (variable)
£0.00
Cost of fees over 27 months
What will I pay?
Santander Everyday Credit Card

Total cost of fees over 27 months:

£0.00

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

Monthly repayments:

£111.11

Assuming a balance transfer of £3,000, you will need to repay at least £111.11 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 £111.11 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 27 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.

£111.11 p/m
To pay off balance over 27 months
More info
MBNA 26m Balance Transfer Credit Card
MBNA 26m Balance Transfer Credit Card
26 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£0.00
Cost of fees over 26 months
What will I pay?
MBNA 26m Balance Transfer Credit Card

Total cost of fees over 26 months:

£0.00

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

Monthly repayments:

£115.38

Assuming a balance transfer of £3,000, you will need to repay at least £115.38 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 £115.38 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.

£115.38 p/m
To pay off balance over 26 months
More info
Sainsbury's Bank No Balance Transfer Fee Credit Card
Sainsbury's Bank No Balance Transfer Fee Credit Card
25 months
0% interest on balance transfers
18.9% APR
Representative APR (variable)
£0.00
Cost of fees over 25 months
What will I pay?
Sainsbury's Bank No Balance Transfer Fee Credit Card

Total cost of fees over 25 months:

£0.00

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

Monthly repayments:

£120.00

Assuming a balance transfer of £3,000, you will need to repay at least £120.00 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 £120.00 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.

£120.00 p/m
To pay off balance over 25 months
More info
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)
£0.00
Cost of fees over 25 months
What will I pay?
Halifax 25 Month Balance Transfer Credit Card

Total cost of fees over 25 months:

£0.00

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

Monthly repayments:

£120.00

Assuming a balance transfer of £3,000, you will need to repay at least £120.00 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 £120.00 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.

£120.00 p/m
To pay off balance over 25 months
More info
Bank of Scotland Platinum 24 Month Balance Transfer Card
Bank of Scotland Platinum 24 Month Balance Transfer Card
24 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£0.00
Cost of fees over 24 months
What will I pay?
Bank of Scotland Platinum 24 Month Balance Transfer Card

Total cost of fees over 24 months:

£0.00

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

Monthly repayments:

£125.00

Assuming a balance transfer of £3,000, you will need to repay at least £125.00 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 £125.00 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 24 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.

£125.00 p/m
To pay off balance over 24 months
More info
Lloyds Bank Platinum 24 Month Balance Transfer Credit Card
Lloyds Bank Platinum 24 Month Balance Transfer Credit Card
24 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£0.00
Cost of fees over 24 months
What will I pay?
Lloyds Bank Platinum 24 Month Balance Transfer Credit Card

Total cost of fees over 24 months:

£0.00

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

Monthly repayments:

£125.00

Assuming a balance transfer of £3,000, you will need to repay at least £125.00 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 £125.00 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 24 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.

£125.00 p/m
To pay off balance over 24 months
More info
Tesco Bank 22 Month No Balance Transfer Fee Credit Card
Tesco Bank 22 Month No Balance Transfer Fee Credit Card
22 months
0% interest on balance transfers
18.9% APR
Representative APR (variable)
£0.00
Cost of fees over 22 months
What will I pay?
Tesco Bank 22 Month No Balance Transfer Fee Credit Card

Total cost of fees over 22 months:

£0.00

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

Monthly repayments:

£136.36

Assuming a balance transfer of £3,000, you will need to repay at least £136.36 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 £136.36 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.

£136.36 p/m
To pay off balance over 22 months
More info
Tesco Bank 12 Month No Balance Transfer Fee Clubcard Credit Card
Tesco Bank 12 Month No Balance Transfer Fee Clubcard Credit Card
12 months
0% interest on balance transfers
18.9% APR
Representative APR (variable)
£0.00
Cost of fees over 12 months
What will I pay?
Tesco Bank 12 Month No Balance Transfer Fee Clubcard Credit Card

Total cost of fees over 12 months:

£0.00

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

Monthly repayments:

£250.00

Assuming a balance transfer of £3,000, you will need to repay at least £250.00 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 £250.00 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 12 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.

£250.00 p/m
To pay off balance over 12 months
More info
Virgin Money Travel Credit Card
Virgin Money Travel Credit Card
12 months
0% interest on balance transfers
19.9% APR
Representative APR (variable)
£0.00
Cost of fees over 12 months
What will I pay?
Virgin Money Travel Credit Card

Total cost of fees over 12 months:

£0.00

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

Monthly repayments:

£250.00

Assuming a balance transfer of £3,000, you will need to repay at least £250.00 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 £250.00 assumes you want to repay a balance of £3,000 in full before the 0% interest offer of 12 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.

£250.00 p/m
To pay off balance over 12 months
More info

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

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.

What does it mean if a card is listed as an “advertisement” or “promotion”?

We sometimes receive payment from card providers to display their cards in prominent locations.

These are adverts and are designed to be distinct and separate from the other cards on our comparison tables. We hope this makes it clear which cards are top-of-table deals and which cards are paid for promotions.