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Balance Transfer Credit Card
Most Popular
Balance Transfer Credit Card

Balance transfer free period   24 months

Cost for balance transfers (%)   3%

Annual cost   £0.00

Representative APR   34.9%

Representative Example: The standard interest rate on purchases is 34.94%p.a., so if you borrow £1,200 the Representative APR will be 34.9%APR. 0.00 annual fee.

Do you Qualify?

 

  • UK Resident – Yes
  • Minimum Age – 18 years old 
  • Minimum Income –  Not specified 

Important information 

 

  • In order to check your eligibility, Capital One will supply your personal information to credit reference agencies (CRAs)
  • You have not been declated bankrupt in the last 12 months
  • You are more likely to be accepted if you are on the electoral roll
  • Up to £8,000 credit limit
0% Balance Transfer Fee Credit Card
0% Balance Transfer Fee Credit Card

Balance transfer free period   20 Months

Cost for balance transfers (%)   2.99%

Annual cost   £0.00

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. 0.00 annual fee.

Do you Qualify?

 

  • UK Resident – UK residential address
  • Minimum Age – 18 years old 
  • You have an annual income/pension before tax of £6,800 or more
  • You haven't been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years

 Important information 

 

  • £500 Minimum credit limit (subject to status)
  • Apple Pay and Google Pay compatible
  • Available to existing 1st Account holders only

 

The Co-Operative 0% balance transfer Credit Card
The Co-Operative 0% balance transfer Credit Card

Balance transfer free period   0% for 2 years

Cost for balance transfers (%)   3%

Annual cost   £0.00

Representative APR   20.6%

Representative Example: The standard interest rate on purchases is 20.6%p.a., so if you borrow £1,200 the Representative APR will be 20.6%APR. £0.00 annual fee.

Do I Qualify? 

 

  • Must be 18 or over.
  • Must be a UK resident.
  • Must earn a minimum of £10,000 per year.
  • Must be employed full time, part time, self-employed or retired.

Important Information:

 

  • 3% balance transfer fee (minimum charge of £5).
  • £0 annual fee.
  • An easy-to-manage place to pay back all your existing credit card balances.
  • 60 days to transfer your balance after account opening, to give you the time to arrange your finances.
  • 2.75% of the transaction amount is charged when you use your credit card to make a purchase in a foreign currency or make a cash withdrawal in a foreign currency outside the UK.
M&S Credit Card Balance Transfer Plus
M&S Credit Card Balance Transfer Plus

Balance transfer free period   0% for up to 27 months

Cost for balance transfers (%)   3.49%

Annual cost   £0.00

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. £0.00 annual fee.

 Do I Qualify?

 

  • Must be over 18 years old & live in the UK.
  • Must have an annual income/pension of at least £6,800.
  • Must not be registered as bankrupt, have any County Court Judgments or defaults within the last 6 months and are up to date on any current credit agreements.
  • Must not have an M&S Credit Card already in your name and have not been declined for an M&S Credit Card within the last 30 days.

 

Important Information:

 

  • Benefits of a balance transfer credit card

  • 0% Interest on balance transfers for up to 27 months

  • 0% for up to 27 months on balance transfers made within 90 days of account opening (3.49% fee, min £5)*.

  • 0% Interest on purchases for 3 months

  • Earn M&S vouchers

HSBC Balance Transfer Credit Card
HSBC Balance Transfer Credit Card

Balance transfer free period   24 months interest-free

Cost for balance transfers (%)   3.49%

Annual cost   £0.00

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. £0.00 annual fee.

Do I Qualify?

 

  • You are over 18.
  • You are a UK resident.
  • You have an annual UK taxable income or pension, before tax, of £6,800 or more.
  • You do not hold an HSBC basic bank account.

Important information:

 

  • 0% interest for up to 24 months on balance transfers made within 60 days of account opening.
  • 3.49% fee applies for each balance transferred, minimum £5.
  • 0% interest on purchases for 3 months from account opening
  • Offers and discounts
  • Use your credit card abroad
  • Use online banking or the HSBC Mobile Banking app anytime anywhere
  • Purchase protection
118118 Money Credit Card
118118 Money Credit Card

Balance transfer free period   No balance transfer fees

Cost for balance transfers (%)   0%

Annual cost   £0.00

Representative APR   49%

Representative Example: The standard interest rate on purchases is 49%p.a., so if you borrow £1,200 the Representative APR will be 49%APR. £0.00 annual fee.

Do I Qualify?

 

  • UK resident
  • Minimum Age – 18 years old
  • Have a regular income.

Important Information

 

  • Up to 51 days interest free when full balance is paid each month
  • Check your eligibility with no impact to your credit score
  • Credit card for poor credit rating
  • Guaranteed credit limit
  • No fees
Fluid Credit Card (Broker)
Fluid Credit Card (Broker)

Balance transfer free period   0% interest on balance transfers for 9 months from account opening

Cost for balance transfers (%)   Up to 5% of the transaction

Annual cost   £0.00

Representative APR   34.9%

Fluid is a credit card broker and not a lender. 

Do I Qualify?

 

  • You must be over 18
  • Have a permanent UK address
  • Have a current UK bank or building society account
  • Have no bankruptcy proceedings against you

Important Information

 

 

  • 0% interest on balance transfers for 9 months from account opening (3% fee), after which your standard rate will apply. Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers. Terms apply*

  • Each transfer must be a minimum of £100. Each time you make a balance transfer you'll be charged a fee. The fee you pay for each balance transfer is a percentage of the amount you transfer. We'll add the amount you transfer and the fee to your card balance and the balance transfer interest rate will be charged from the date the balance is transferred to your Fluid account
  • Balance transfers and money transfers are only interest free during the promotional period (if any)
  • Maximum 48 days on standard purchases if you pay your balance in full every month and on time
  • There is no interest free period on cash transactions or on instalment plans.

  • Initial credit limit of £250-£4000

  • No annual fee
Ulster Bank 0% Balance Transfer Credit Card
Ulster Bank 0% Balance Transfer Credit Card

Balance transfer free period   12 months

Cost for balance transfers (%)   3.49%

Annual cost   £0.00

Representative APR   24.9%

Representative Example: The standard interest rate on purchases is 24.9%p.a., so if you borrow £1,200 the Representative APR will be 24.9%APR. £0.00 annual fee.

Do I Qualify?

 

  • Available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank
  • Are UK residents
  • Are 18 years old or older
  • Earning at least £10K per year

Important Information

 

  • 0% for 12 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
  • No fee to transfer a balance to this credit card.
  • 0% on purchases for ?3 months from account opening, thereafter standard rates apply.

How it works

Finding the best balance transfer credit card we can offer you is simple. Follow the steps below to find and apply for your chosen card directly with the credit card issuer.

Check your eligibility Icon Check your eligibility

Use the ‘more information’ link on the comparison table to check if you have the minimum eligibility criteria.

Compare 0% credit cards Icon Compare 0% credit cards

Next, use the filters to personalise your results, and look for a card that may give you enough time to pay off the debt without any interest.

Visit the provider's website Icon Visit the provider's website

Carefully review the information on the providers' website, such as the repayment period, to make sure you have the best balance transfer credit card we can offer for your situation.

Apply Icon Apply

Once you are certain, you are eligible and have understood the terms apply for your new 0% balance transfer card directly with the provider.



What is a balance transfer credit card?

A zero interest balance transfer credit card allows you to transfer an existing balance from one credit card to another credit card that charges a lower interest rate or 0% interest. There is usually a fee based on the amount you are transferring. Additionally, the 0% interest rate will apply for a limited time only.

This can be an option if you're trying to reduce your debt, as every monthly payment you make reduces the balance owed without interest charges being added. As a result, you should be able to pay off what is owed quicker. However, if you use 0% balance transfer cards to spend, interest rates will apply unless a 0% purchase offer is included with the card.

 

How do balance transfer credit cards work?
In exchange for a balance transfer fee (usually a percentage of the balance being transferred), you can move existing credit card debt onto a 0% balance transfer card. Usually, you will be asked for the details of the existing credit card you want to transfer the balance from. You will then have a set amount of time (anywhere between 6 months and up to 42 months) to clear the balance from your previous card without being charged monthly interest.

However, if you use your new zero interest balance transfer credit card to make purchases, these payments usually do not attract the same interest-free offer. A cash advance on a credit card such as cash withdrawals, are different in that you will likely be charged interest from day one and usually at a higher rate.

What are balance transfer credit cards used for?
These cards are used to transfer debt from one credit card to another to avoid interest charges. Their purpose is to help the cardholder pay off money owed quicker as less, or no interest is charged. However, the interest free period applies for a limited time.

How do I choose the best balance transfer credit card for me?
Always compare 0% credit cards from different providers. Some will have longer interest free periods, while others will have a lower balance transfer fee. It is best to work out whether you can realistically pay off the balance within the interest free period offered without stretching your finances too much. Always read the terms and conditions of each provider before making your choice.

 

Do balance transfer credit cards negatively affect your credit score? -

Going ahead with an application for a balance transfer credit card with no interest will likely mean a hard credit search will be completed on your credit report. Hard credit searches will be visible to others. Many hard searches in a short period can be viewed negatively and impact your score.

However, using an interest free balance transfer credit card correctly to reduce debt over time will improve your finances and credit score as you prove you can manage debt. Not making your minimum monthly repayments will hurt your credit score. Your credit report will show missed payments and defaults for up to 6 years.

What are the risks of a balance transfer credit card? +

The main risk is if you can’t pay off the balance in full before the interest free period ends. This will result in you repaying the interest again on the remaining balance. However, if you ensure you know when the interest free period ends, you can transfer any remaining balance to a new interest free credit card to avoid paying interest. But this will be subject to approval, you will usually have to pay a fee on the balance you wish to move.

Making monthly repayments on time is equally important. Not doing so can mean you lose the interest free period and damage your credit rating.

It would also be wise not to spend on 0 interest balance transfer credit card if possible. New purchases will incur interest charges unless you pay for these within the interest-free grace period. Regardless, using your new card will mean you have the transferred debt to pay off and any recent transactions.

Can I be declined for a balance transfer on my credit card? +

Yes, balance transfers don’t always get approved. For example, if the amount you want to transfer on the current card exceeds the limit on the new card. The card provider will likely cancel the request, and you may have to submit a lower amount to transfer within your new credit limit.

What happens when the balance transfer interest-free period is over? +

When the interest free period ends, the remaining balance you transferred will attract interest charges (if it has not been paid off). This is in addition to any other purchases you make on the same card, although the interest rate for purchases may differ from the interest rate on the remaining balance.

0% Balance Transfer Cards FAQs