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Compare The UK's Top Cards for Balance Transfer

  • Cut the cost of your credit card bill

    Find the card than can save you the most

  • No impact on your credit rating

    See if you’ll be accepted before you apply

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Santander All in One Credit Card
Santander All in One Credit Card Image
Balance Transfer offer duration
41 months
Transfer Fee
0.00%
Representative APR (variable)
21.7 % APR
You'll save
£933
Representative APR (variable)
21.7 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 15.9% p.a. (variable) with an annual fee of £36 your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 21.7% APR (variable)

Virgin Money 40 Month Balance Transfer
Virgin Money 40 Month Balance Transfer Image
Balance Transfer offer duration
40 months
Transfer Fee
1.79%
Representative APR (variable)
20.9 % APR
You'll save
£915
Representative APR (variable)
20.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 21% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 20.9% APR (variable)

Bank of Scotland 41 Month Platinum Card
Bank of Scotland 41 Month Platinum Card Image
Balance Transfer offer duration
40 months
Transfer Fee
1.90%
Representative APR (variable)
18.9 % APR
You'll save
£912
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Virgin Money 32 Month Balance Transfer
Virgin Money 32 Month Balance Transfer Image
Balance Transfer offer duration
32 months
Transfer Fee
0.60%
Representative APR (variable)
19.9 % APR
You'll save
£905
Representative APR (variable)
19.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Tesco Bank 32 Month Balance Transfer Clubcard Credit Card
Tesco Bank 32 Month Balance Transfer Clubcard Credit Card Image
Balance Transfer offer duration
32 months
Transfer Fee
0.65%
Representative APR (variable)
18.9 % APR
You'll save
£903
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Halifax 32/12 Balance Transfer Card
Halifax 32/12 Balance Transfer Card Image
Balance Transfer offer duration
32 months
Transfer Fee
0.70%
Representative APR (variable)
18.9 % APR
You'll save
£902
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Lloyds Bank Platinum 42 Month Card
Lloyds Bank Platinum 42 Month Card Image
Balance Transfer offer duration
42 months
Transfer Fee
2.35%
Representative APR (variable)
18.9 % APR
You'll save
£899
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Lloyds Bank 32 Month Balance Transfer Card
Lloyds Bank 32 Month Balance Transfer Card Image
Balance Transfer offer duration
32 months
Transfer Fee
0.80%
Representative APR (variable)
18.9 % APR
You'll save
£899
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Bank of Scotland 32 Month Balance Transfer Card
Bank of Scotland 32 Month Balance Transfer Card Image
Balance Transfer offer duration
32 months
Transfer Fee
0.80%
Representative APR (variable)
18.9 % APR
You'll save
£899
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Barclaycard Platinum 40 Month
Barclaycard Platinum 40 Month Image
Balance Transfer offer duration
40 months
Transfer Fee
1.93%
Representative APR (variable)
18.9 % APR
You'll save
£889
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Tesco Bank Balance Transfer Clubcard Credit Card
Tesco Bank Balance Transfer Clubcard Credit Card Image
Balance Transfer offer duration
40 months
Transfer Fee
2.69%
Representative APR (variable)
18.9 % APR
You'll save
£888
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Barclaycard Platinum 32 Month
Barclaycard Platinum 32 Month Image
Balance Transfer offer duration
32 months
Transfer Fee
0.63%
Representative APR (variable)
18.9 % APR
You'll save
£887
Representative APR (variable)
18.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 18.9% APR (variable)

Virgin Money 30 Month Balance Transfer
Virgin Money 30 Month Balance Transfer Image
Balance Transfer offer duration
30 months
Transfer Fee
0.55%
Representative APR (variable)
19.9 % APR
You'll save
£882
Representative APR (variable)
19.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 19.9% APR (variable)

Virgin Money 41 Month Balance Transfer
Virgin Money 41 Month Balance Transfer Image
Balance Transfer offer duration
41 months
Transfer Fee
3.00%
Representative APR (variable)
20.9 % APR
You'll save
£879
Representative APR (variable)
20.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 20.9% APR (variable)

Virgin Money 36 Month Money Transfer
Virgin Money 36 Month Money Transfer Image
Balance Transfer offer duration
36 months
Transfer Fee
2.69%
Representative APR (variable)
20.9 % APR
You'll save
£876
Representative APR (variable)
20.9 % APR

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 20.9% APR (variable)

What is a balance transfer credit card?

A 0% balance transfer card can be an effective way to cut the cost of existing debt – you can transfer your existing credit card balance and take advantage of a 0% interest rate for a set period of time.

If you’re currently paying interest, you could save money.


How much could I save?

Use our helpful Savings Calculator at the top of this page to find out how much a balance transfer could save you.

You can also move debts from multiple cards onto a single balance transfer card. With some cards, this can include overdraft debt, too – potentially saving you hundreds, if not thousands of pounds.


What will it cost?

There is a fee to pay, typically 1–3%, when you move your debt onto a balance transfer card. In most cases, this is dwarfed by the savings you could make.

Our personalised comparison tool will calculate the amount you could save, taking into account the balance transfer fee, making it easy to see which card is your most cost-effective option.


Which balance transfer card is right for me?

Consider the following when deciding on a balance transfer card:

  • The length of time it will take you to clear the debt against the size of the balance transfer fee. The shorter the 0% deal, the lower the fee tends to be.

  • Your credit history. Many balance transfer cards require you to have a good credit score. Use our free eligibility checker to find out your chances of acceptance, without harming your credit rating.


How do I transfer a balance?

Making a balance transfer is incredibly easy. Simply give the balance transfer card lender the details of the debts you want to transfer. They will pay off those debts and create a new balance on your 0% card.

You usually need to do this within 60–90 days of taking out the new card. Be sure to close your old cards, as having multiple accounts open can affect your credit rating.


The golden rules of balance transfer

Here’s how to make sure you manage your balance transfer card wisely:

  • Never miss a payment: A balance transfer card can give you a lot more control over the amount you repay each month. If you miss a payment, or are late making a payment, you may incur a financial penalty. Avoid this by setting up a direct debit to repay at least the minimum every month.

  • Never outstay your welcome: The 0% interest deal is only for a limited time. When it runs out any remaining balance will start earning interest at an often much higher rate. Clear your debt before the end of the deal or switch the debt to a new balance transfer card.

  • Never spend on a balance transfer card: Avoid spending or withdrawing cash on your balance transfer card. The 0% deal is only offered on the balance moved from another credit source. Anything additional to this will be charged interest and the rate on balance transfer cards tends to be quite high.

If you do need a card that you can transfer a balance to and spend on, consider a combined balance transfer and 0% purchase card which offer interest free deals on both – find a combined card.