Compare 0% Balance Transfers

Compare 0% balance transfers deals from the best 0% balance transfer credit cards in the UK & find the 0% balance transfer cards that will cut your borrowing costs with 0% on balance transfers. Our 0% balance transfer comparison makes it easy to compare top UK 0% balance transfer credit cards so you get cheap 0% balance transfer deals.
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All Credit Cards0% Balance Transfers
0% PurchasesCashback & Rewards
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Barclaycard
Platinum With BT (22 Mths)
0%
22
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
£30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply)
Halifax
Balance Transfer Card
0%
22
months
3.5%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You must have an annual income of £20,000 or more to apply
NatWest
Platinum Card (Online)
0%
22
months
3.2%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Barclaycard
Platinum With BT (21 Mths)
0%
21
months
2.6%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
3.2% Balance Transfer fee, 0.6% refund reduces this to equivalent of 2.6% (terms & conditions apply).
Virgin
Balance Transfer Credit Card
0%
20
months
2.99%0%
3
months
16.8%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).
MBNA
Credit Card
0%
20
months
2.99%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Contactless Payments: You can now pay quickly and securely for purchases under £15 without entering your PIN.
Halifax
Balance Transfer Card 20/3
0%
20
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have an annual income of £20,000 or more to apply.
Nationwide
Credit Card (Balance Transfer)
0%
20
months
3.1%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Barclaycard
Platinum Low BT Fee
0%
17
months
1.6%0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
2.1% Balance Transfer fee with a 0.5% refund, reduces this to equivalent of 1.6% for everyone (terms & conditions apply).
Virgin
All Round Credit Card
0%
16
months
1.99%0%
6
months
15.8%
Representative Example: The annual purchase rate is 15.8% p.a.(variable) so if you spend £1,200 your representative APR will be 15.8% (variable).
AA
Balance Transfer Credit Card
0%
16
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Long 0% period on balance transfers with competitive 2.9% fee, plus earn while you spend with a generous rewards scheme. Good credit customers.
Halifax
All in One Card MasterCard
0%
15
months
3%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances
Barclaycard
Platinum Purchase
0%
15
months
2.9%0%
15
months
18.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
3%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have a Nectar Card in order to apply for the Credit Card
Lloyds TSB
Platinum MasterCard
0%
15
months
3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Post Office
Platinum Card
0%
14
months
2.98%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
0% commission on purchases overseas
Virgin
Purchase Credit Card
0%
13
months
2.89%0%
13
months
18.9%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Sainsbury's Bank
 
Sainsbury's Credit Card (Nectar Card Holders Only)
0%
12
months
3%0%
12
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have a Nectar Card in order to apply for the Credit Card. Nectar points are NOT earned using this Credit Card
AA
Rewards Credit Card
0%
12
months
3%0%
10
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
Play.com
Credit Card
0%
6
months
1.5%0%
9
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1500 bonus PlayPoints awarded when you spend £150 on card purchases within 90 days of account opening.
Virgin
Atlantic White Card Account (Visa)
0%
6
months
2%17.9%
n/a
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You'll earn 1 Flying Club mile for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £2 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
Virgin
Atlantic Black Card Account (Visa)
0%
6
months
2%18.9%
n/a
47.2%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 47.2% (variable)+£140 fee p.a
You'll earn 2 Flying Club miles for every £1 you spend on the American Express® Credit Card, and 1 Flying Club mile for every £1 you spend on the Visa Credit Card. Plus, you'll also get discounts with Virgin Holidays.
Full Results
HSBC
Credit Card
0%
23
months
3.3%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Only available to existing HSBC current account customers, paying in at least £500 a month.
Barclaycard
Platinum With BT (22 Mths)
0%
22
months
2.9%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
£30 fee refund when you transfer a balance of £2,500 or more (terms and conditions apply)
Halifax
Balance Transfer Card
0%
22
months
3.5%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You must have an annual income of £20,000 or more to apply
NatWest
Platinum Card (Online)
0%
22
months
3.2%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
RBS
Platinum Card
0%
22
months
3.2%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
NatWest
Advantage Platinum Card Ex/C
0%
22
months
3.2%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
RBS
Royalties Platinum Card Ex/C
0%
22
months
3.2%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
NatWest
Platinum Card Ex/C
0%
22
months
3.2%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
RBS
Platinum Card Ex/C
0%
22
months
3.2%0%
6
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
NatWest
Advantage Platinum Card (Online) Ex/C
0%
22
months
3.2%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
RBS
Royalties Platinum Card (Online) Ex/C
0%
22
months
3.2%0%
6
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Barclaycard
Platinum With BT (21 Mths)
0%
21
months
2.6%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
3.2% Balance Transfer fee, 0.6% refund reduces this to equivalent of 2.6% (terms & conditions apply).
Virgin
Balance Transfer Credit Card
0%
20
months
2.99%0%
3
months
16.8%
Representative Example: The annual purchase rate is 16.8% p.a.(variable) so if you spend £1,200 your representative APR will be 16.8% (variable).
MBNA
Credit Card
0%
20
months
2.99%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
Contactless Payments: You can now pay quickly and securely for purchases under £15 without entering your PIN.
Halifax
Balance Transfer Card 20/3
0%
20
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
You must have an annual income of £20,000 or more to apply.
Nationwide
Credit Card (Balance Transfer)
0%
20
months
3.1%0%
3
months
15.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).
Nationwide
Select Credit Card
0%
20
months
3.1%0%
12
months
12.9%
Representative Example: The annual purchase rate is 10% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
To be eligible you have to hold a FlexAccount with a Visa debit card (not cash card+) and pay in £750 or more each month (excluding internal... more
First Direct
Gold Visa
0%
20
months
2.9%17%
n/a
16.9%
Representative Example: The annual purchase rate is 17% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
This product is only available to existing customers.
First Direct
Visa Credit Card (Black)
0%
20
months
2.9%20%
n/a
19.9%
Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
This product is only available to existing customers.
Bank of Scotland
 
Plus Credit Card
0%
18
months
3%0%
3
months
16.9%
Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
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How to Find the Best Credit Card 0% Balance Transfers

Moving expensive borrowing to a 0% balance transfer card is a great way to cut your costs and repay your debts quicker. Here’s how to choose the best 0% balance transfer credit cards on the UK market.

If you are paying hefty credit card interest rates and want to move your outstanding borrowing to a cheaper home, one of the 0% balance transfer offers available from balance transfer credit cards could be right for you.

0% balance transfer cards allow you to shift expensive credit card borrowing to an interest free home for a set number of months in return for a small transfer fee.

The main benefit of a 0% balance transfer credit card is that it allows you to repay your credit card balance without charging you any interest, so you get the opportunity to clear your outstanding balance much quicker.

Subsequently, finding the best 0% balance transfer credit cards for your circumstances will depend on how long it will take you to pay off your existing credit card borrowing.

Start by working out how much you can afford to repay each month, then from this how long it will take you to repay your borrowing completely.

Once you've done this all you have to do is look for the credit cards 0% balance transfer periods that give you enough time to repay what you owe completely before the 0% interest rate ends and you're charged interest.

It's worth bearing in mind that some providers don't allow you to make a 0% balance transfer between cards they offer. As such you may have to exclude credit cards from your existing credit card provider, i.e Halifax or Barclaycard, from your search.

Once you have a list of suitable zero balance transfers credit cards, compare the balance transfer fee applied to each and find the card that costs least to use.

Double check that you meet the card's eligibility criteria and then apply. You'll be able to arrange the balance transfer as part of the application process and doing this will help you to maximise the amount of months you have interest free.

After you’ve completed a 0% balance transfer it makes sense to stick to a repayment plan to clear the balance before the end of the 0% period, fail to do so and you’ll start being charged hefty interest rates once again.

If you cannot find a card offering 0% on balance transfers for a long enough period for you to clear your debts completely then you will either need to move your borrowing to a new 0% balance transfers credit card after the 0% period ends or consider using life of balance transfer card instead.

You can compare 0% balance transfer credit cards and their features and charges side by side using our credit cards 0% balance transfer comparison table.

Credit Card Comparison

View all credit card reviews.

Alternative Credit Cards

You may want to compare the above credit cards with the following.

Bank of Ireland MoneyBack Gold MasterCard

  • Customers get £15,000 max cashback spend from Bank of Ireland.
  • 0.5% std cashback rate is offered with the credit card.
  • This credit card gives a minimum introductory balance transfer fee of £0.
  • The Bank of Ireland credit card has a minimum balance transfer fee of £0.
  • New customers will get minimum cash back rate of 0.5%.
  • Customers can get average balance transfer rate of 17.9%.
  • Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).

M&S Credit Card

  • 15 months intro purchase duration is available.
  • Mthly purchase intro rate of 0%.
  • Get 1.24 percent mthly balance transfer rate.
  • Introductory purchase rate of 0 percent.
  • Take advantage of a yearly fee of £0 from this Credit Card.
  • Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 15.9% (variable).

The Co-operative Bank Shelter Flat Rate Visa Credit Card

  • 12.9% cash credit rate is offered with Shelter Flat Rate Visa Credit Card.
  • New customers benefit from purchase interest rate AER of 12.9 percent.
  • Get 12.9% representative APR.
  • You get 1.019% mthly balance transfer rate.
  • Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).

MBNA PDSA Credit Card

  • Get a minimum bal transfer fee of £5 from this PDSA Credit Card.
  • Representative APR of 16.9%.
  • 18.9% std balance transfer rate is available.
  • PDSA Credit Card offers an introductory balance transfer duration of 12 months.
  • Benefit from free statement copies with this credit card.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Northern Bank Gold Credit Card

  • The Northern Bank credit card has a 0 percent bal transfer fee.
  • New customers will get 5 months initial purchase duration.
  • Northern Bank offers mthly purchase intro rate of 0 percent.
  • 5 months intro purchase duration is available with the credit card.
  • Take advantage of £1,000 cash loan limit from Northern Bank.
  • Minimum bal transfer fee of £0.
  • Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend £1,200 your representative APR will be 41.6% (variable)+£132 fee p.a

WSPA Credit Card

  • You get 3 months intro purchase duration from WSPA.
  • £3 minimum intro balance transfer fee is available to new customers.
  • WSPA offers std balance transfer rate of 18.9 percent.
  • You will get mthly balance transfer intro rate of 0%.
  • Get a cash loan rate of 27.9% from the credit card.
  • Enjoy free statement copies with this WSPA credit card.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
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