Compare the Top 0% Balance Transfer Credit Card Offers with TotallyMoney

Virgin Money 34 Month Balance Transfer Card - Guaranteed 21.9% APR

Balance Transfer offer duration

34 mths

Transfer Fee

2.7%

Representative % APR (variable)

21.9% APR

You'll save £861

Check my eligibility

See more details

Representative Example

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 34 Month Balance Transfer Card - Guaranteed 23.9% APR

Balance Transfer offer duration

34 mths

Transfer Fee

2.7%

Representative % APR (variable)

23.9% APR

You'll save £861

Check my eligibility

See more details

Representative Example

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 34 Month Balance Transfer Card - Guaranteed 25.9% APR

Balance Transfer offer duration

34 mths

Transfer Fee

2.7%

Representative % APR (variable)

25.9% APR

You'll save £861

Check my eligibility

See more details

Representative Example

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)

M&S Transfer Plus Card

Balance Transfer offer duration

32 mths

Transfer Fee

1.99%

Representative % APR (variable)

21.9% APR

You'll save £860

Check my eligibility

See more details

Representative Example

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)

Tesco Bank 33 Month Balance Transfer Card

Balance Transfer offer duration

33 mths

Transfer Fee

2.59%

Representative % APR (variable)

21.9% APR

You'll save £855

Check my eligibility

See more details

Representative Example

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)

Santander Everyday Long Term Balance Transfer Credit Card

Balance Transfer offer duration

33 mths

Transfer Fee

2.65%

Representative % APR (variable)

21.9% APR

You'll save £853

Check my eligibility

See more details

Representative Example

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 21.9% APR

Balance Transfer offer duration

28 mths

Transfer Fee

1%

Representative % APR (variable)

21.9% APR

You'll save £838

Check my eligibility

See more details

Representative Example

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

Balance Transfer offer duration

28 mths

Transfer Fee

1%

Representative % APR (variable)

23.9% APR

You'll save £838

Check my eligibility

See more details

Representative Example

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

Balance Transfer offer duration

28 mths

Transfer Fee

1%

Representative % APR (variable)

25.9% APR

You'll save £838

Check my eligibility

See more details

Representative Example

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)

Tesco Bank 27 Month Low Fee Balance Transfer Credit Card

Balance Transfer offer duration

27 mths

Transfer Fee

1.19%

Representative % APR (variable)

21.9% APR

You'll save £815

Check my eligibility

See more details

Representative Example

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)

HSBC Balance Transfer Credit Card

Balance Transfer offer duration

33 mths

Transfer Fee

2.7%

Representative % APR (variable)

21.9% APR

You'll save £814

Check my eligibility

See more details

Representative Example

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)

MBNA Balance Transfer Low Fee Card

Balance Transfer offer duration

28 mths

Transfer Fee

0.99%

Representative % APR (variable)

21.9% APR

You'll save £807

Check my eligibility

See more details

Representative Example

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)

HSBC Balance Transfer Low Fee Credit Card

Balance Transfer offer duration

28 mths

Transfer Fee

1%

Representative % APR (variable)

21.9% APR

You'll save £807

Check my eligibility

See more details

Representative Example

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)

MBNA Long Balance Transfer Credit Card

Balance Transfer offer duration

32 mths

Transfer Fee

2.89%

Representative % APR (variable)

21.9% APR

You'll save £799

Check my eligibility

See more details

Representative Example

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)

Santander All in One Credit Card

Balance Transfer offer duration

26 mths

Transfer Fee

0%

Representative % APR (variable)

24.7% APR

You'll save £797

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with an annual fee of £36 your representative APR will be 24.7% 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

Balance Transfer offer duration

22 mths

Transfer Fee

0%

Representative % APR (variable)

21.9% APR

You'll save £750

Check my eligibility

See more details

Representative Example

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

Balance Transfer offer duration

22 mths

Transfer Fee

0%

Representative % APR (variable)

21.9% APR

You'll save £750

Check my eligibility

See more details

Representative Example

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)

Santander Everyday No Balance Transfer Fee Credit Card

Balance Transfer offer duration

21 mths

Transfer Fee

0%

Representative % APR (variable)

21.9% APR

You'll save £726

Check my eligibility

See more details

Representative Example

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)

MBNA Dual 0% Transfer and Purchase Credit Card

Balance Transfer offer duration

24 mths

Transfer Fee

2.89%

Representative % APR (variable)

21.9% APR

You'll save £682

Check my eligibility

See more details

Representative Example

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)

M&S Shopping Plus Credit Card

Balance Transfer offer duration

24 mths

Transfer Fee

2.9%

Representative % APR (variable)

21.9% APR

You'll save £682

Check my eligibility

See more details

Representative Example

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 Purchase Plus Credit Card

Balance Transfer offer duration

23 mths

Transfer Fee

2.9%

Representative % APR (variable)

22.9% APR

You'll save £662

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) your representative APR will be 22.9% APR (variable)

Tesco Bank 20 Month Balance Transfer & Purchase Credit Card

Balance Transfer offer duration

20 mths

Transfer Fee

1.99%

Representative % APR (variable)

20.9% APR

You'll save £642

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 20.94% p.a. (variable) your representative APR will be 20.9% APR (variable)

Virgin Money 19 Month All Round Card - Guaranteed 21.9% APR

Balance Transfer offer duration

19 mths

Transfer Fee

2.9%

Representative % APR (variable)

21.9% APR

You'll save £589

Check my eligibility

See more details

Representative Example

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 19 Month All Round Card - Guaranteed 23.9% APR

Balance Transfer offer duration

19 mths

Transfer Fee

2.9%

Representative % APR (variable)

23.9% APR

You'll save £589

Check my eligibility

See more details

Representative Example

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 19 Month All Round Card - Guaranteed 25.9% APR

Balance Transfer offer duration

19 mths

Transfer Fee

2.9%

Representative % APR (variable)

25.9% APR

You'll save £589

Check my eligibility

See more details

Representative Example

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)

Virgin Money 15 Month Balance Transfer - Guaranteed 21.9% APR

Balance Transfer offer duration

15 mths

Transfer Fee

0%

Representative % APR (variable)

21.9% APR

You'll save £562

Check my eligibility

See more details

Representative Example

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 15 Month Balance Transfer - Guaranteed 23.9% APR

Balance Transfer offer duration

15 mths

Transfer Fee

0%

Representative % APR (variable)

23.9% APR

You'll save £562

Check my eligibility

See more details

Representative Example

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 15 Month Balance Transfer - Guaranteed 25.9% APR

Balance Transfer offer duration

15 mths

Transfer Fee

0%

Representative % APR (variable)

25.9% APR

You'll save £562

Check my eligibility

See more details

Representative Example

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)

Virgin Money 16 Month Balance Transfer Card - Guaranteed 29.9% APR

Balance Transfer offer duration

16 mths

Transfer Fee

3%

Representative % APR (variable)

29.9% APR

You'll save £502

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% APR (variable)

Virgin Money 16 Month BT Card - Guaranteed 29.9% APR

Balance Transfer offer duration

16 mths

Transfer Fee

3%

Representative % APR (variable)

29.9% APR

You'll save £502

Check my eligibility

See more details

Representative Example

If you spend £1,200 at a purchase interest rate of 29.9% p.a. (variable) your representative APR will be 29.9% 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.

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.

Compare balance transfer cards

Calculate savings

Virgin Money 34 Month Balance Transfer Card - Guaranteed 21.9% APR

34 mths

2.7%

21.9% APR

You'll save £861

Virgin Money 34 Month Balance Transfer Card - Guaranteed 23.9% APR

34 mths

2.7%

23.9% APR

You'll save £861

Virgin Money 34 Month Balance Transfer Card - Guaranteed 25.9% APR

34 mths

2.7%

25.9% APR

You'll save £861

M&S Transfer Plus Card

32 mths

1.99%

21.9% APR

You'll save £860

Tesco Bank 33 Month Balance Transfer Card

33 mths

2.59%

21.9% APR

You'll save £855

Santander Everyday Long Term Balance Transfer Credit Card

33 mths

2.65%

21.9% APR

You'll save £853

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

28 mths

1%

21.9% APR

You'll save £838

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

28 mths

1%

23.9% APR

You'll save £838

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

28 mths

1%

25.9% APR

You'll save £838

Tesco Bank 27 Month Low Fee Balance Transfer Credit Card

27 mths

1.19%

21.9% APR

You'll save £815

HSBC Balance Transfer Credit Card

33 mths

2.7%

21.9% APR

You'll save £814

MBNA Balance Transfer Low Fee Card

28 mths

0.99%

21.9% APR

You'll save £807

HSBC Balance Transfer Low Fee Credit Card

28 mths

1%

21.9% APR

You'll save £807

MBNA Long Balance Transfer Credit Card

32 mths

2.89%

21.9% APR

You'll save £799

Santander All in One Credit Card

26 mths

0%

24.7% APR

You'll save £797

RBS Members Only

Royal Bank of Scotland Balance Transfer Card

22 mths