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Authorised & Regulated

How much will you transfer?£
How much can you pay monthly?£
What is your current %APR%APR

Virgin Money 28 Month Balance Transfer Card - Guaranteed 21.9% APR

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Balance Transfer offer duration
28 mths
Transfer Fee
1%
Representative % APR (variable)
21.9% APR
You'll save £838

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Virgin Money 28 Month Balance Transfer Card - Guaranteed 23.9% APR

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Balance Transfer offer duration
28 mths
Transfer Fee
1%
Representative % APR (variable)
23.9% APR
You'll save £838

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

Virgin Money 28 Month Balance Transfer Card - Guaranteed 25.9% APR

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Balance Transfer offer duration
28 mths
Transfer Fee
1%
Representative % APR (variable)
25.9% APR
You'll save £838

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

£40 Amazon Gift Card

Claim a £40 Amazon Gift Card if your application is accepted. T&Cs apply.

Santander Everyday Long Term Balance Transfer Credit Card

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Balance Transfer offer duration
31 mths
Transfer Fee
2.75%
Representative % APR (variable)
20.9% APR
You'll save £829

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative APR will be 20.9% APR (variable)

Virgin Money 30 Month Balance Transfer Card - Guaranteed 21.9% APR

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Balance Transfer offer duration
30 mths
Transfer Fee
2.95%
Representative % APR (variable)
21.9% APR
You'll save £810

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

Virgin Money 30 Month Balance Transfer Card - Guaranteed 23.9% APR

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Balance Transfer offer duration
30 mths
Transfer Fee
2.95%
Representative % APR (variable)
23.9% APR
You'll save £810

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

Virgin Money 30 Month Balance Transfer Card - Guaranteed 25.9% APR

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Balance Transfer offer duration
30 mths
Transfer Fee
2.95%
Representative % APR (variable)
25.9% APR
You'll save £810

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

£40 Amazon Gift Card

Claim a £40 Amazon Gift Card if your application is accepted. T&Cs apply.

Santander All in One Credit Card

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Balance Transfer offer duration
26 mths
Transfer Fee
0%
Representative % APR (variable)
23.7% APR
You'll save £797

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 17.9% p.a. (variable) with an annual fee of £36 your representative APR will be 23.7% APR (variable)

MBNA Low Fee Balance Transfer Card

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Balance Transfer offer duration
27 mths
Transfer Fee
1%
Representative % APR (variable)
21.9% APR
You'll save £792

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) your representative APR will be 21.9% APR (variable)

MBNA Long Balance Transfer Card

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Balance Transfer offer duration
30 mths
Transfer Fee
2.95%
Representative % APR (variable)
21.9% APR
You'll save £776

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.94% p.a. (variable) your representative APR will be 21.9% APR (variable)

RBS Members Only

You’re a member if you have a current account, savings account, credit card, or mortgage with the Royal Bank of Scotland

Royal Bank of Scotland Balance Transfer Card

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Balance Transfer offer duration
20 mths
Transfer Fee
0%
Representative % APR (variable)
21.9% APR
You'll save £702

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

NATWEST MEMBERS ONLY

You're a member if you have a current account, savings account, credit card or mortgage with Natwest

Natwest Balance Transfer Card

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Balance Transfer offer duration
20 mths
Transfer Fee
0%
Representative % APR (variable)
21.9% APR
You'll save £702

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

HSBC No Fee Balance Transfer Card

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Balance Transfer offer duration
20 mths
Transfer Fee
0%
Representative % APR (variable)
21.9% APR
You'll save £682

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

£40 Amazon Gift Card

Claim a £40 Amazon Gift Card if your application is accepted. T&Cs apply.

Santander Everyday No Balance Transfer Fee Credit Card

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Balance Transfer offer duration
18 mths
Transfer Fee
0%
Representative % APR (variable)
20.9% APR
You'll save £649

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 20.9% p.a. (variable) your representative APR will be 20.9% APR (variable)

M&S Shopping Plus Credit Card

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Balance Transfer offer duration
22 mths
Transfer Fee
2.9%
Representative % APR (variable)
21.9% APR
You'll save £641

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 21.9% p.a. (variable) your representative APR will be 21.9% APR (variable)

What are the different types of credit card?

You can find out more information about the different types of credit card in our guide

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through.

Pre-population

When you click to go to a lender we may pass over your details to help speed up the application process

Can't see a particular card?

We frequently update our product offering meaning the cards shown on this table may change. If you can't find what you are looking for, this may be because we have recently updated our table and removed a particular product.

Coronavirus help and support

You can find more information about coronavirus help and support here.

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.

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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