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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0% PurchasesCashback & Rewards
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Balance Transfer IntroPurchase IntroRepresentative APR  
RateDurationFeeRateDuration(Variable) 
Promoted Results
Barclaycard
Platinum With BT (27 Mths)
0%
27
months
2.98%0%
6
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).
June offer: A refund reduces your fee from 3.90% to 2.98% (terms and conditions apply)
Virgin
Balance Transfer Credit Card
0%
26
months
2.99%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
Platinum Card (Online)
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum With BT (26 Mths)
0%
26
months
2.47%0%
6
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).
Refund offer on the balance transfer fee, was 3.50% now 2.47% (terms and conditions apply)
RBS
Platinum Card
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
2.9%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).
Halifax
Balance Transfer Card 25/3
0%
25
months
2%0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Barclaycard
Business Balance Transfer Card
0%
22
months
2.5%0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
Nationwide
Credit Card (Balance Transfer - Online)
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).
MBNA
Everyday Credit Card
0%
18
months
1.99%0%
8
months
12.9%
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).
0% on balance transfers for 18 months from the date your account is opened (1.99% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening
Barclaycard
Platinum With BT (18 Mths)
0%
18
months
2.47%0%
3
months
24.9%
Representative Example: The annual purchase rate is 24.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.9% (variable).
June offer: A refund reduces your fee from 2.90% to 2.47% (terms and conditions apply)
Bank of Scotland
 
Platinum Balance Transfer Card
0%
18
months
1.5%0%
3
months
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Santander
Credit Card
0%
17
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).
Manage your accounts online anytime of day. Manage your card on the go with the mobile app for the iPhone or iPad.
Barclaycard
Platinum Low BT Fee
0%
16
months
1.28%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).
June offer: A refund reduces your fee from 1.50% to 1.28% (terms and conditions apply)
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.
NatWest
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent. Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
Halifax
All in One Card MasterCard
0%
15
months
1%0%
15
months
17.9%
Representative Example: The annual purchase rate is 17.95% 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.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Sainsbury's Bank
 
Sainsbury's Nectar Credit Card
0%
15
months
3%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).
Sainsbury's Bank
 
Sainsbury's Cashback Credit Card
0%
15
months
3%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).
5% cashback on Sainsbury's shopping for the first 3 months from account opening (capped at £50 per month). £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere.
RBS
YourPoints World MasterCard
0%
15
months
2.9%0%
15
months
16.9%
Representative Example: The annual purchase rate is 16.95% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
1 point for every £1 spent Use towards flights, holidays and brands like M&S, Boots and Amazon. 2500 bonus points when you join, and every year thereafter.
Barclaycard
Platinum Purchase
0%
14
months
2.47%0%
14
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).
June offer: A refund reduces your fee from 2.90% to 2.47% (terms and conditions apply)
Post Office
Credit 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 made overseas.
NatWest
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
RBS
Platinum Low Fee BT
0%
13
months
1%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Lloyds TSB
Platinum Purchase Card
0%
13
months
1%0%
13
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).
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.
M&S Bank
M&S Credit Card
0%
12
months
---
0%
15
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).
Tesco Bank
Clubcard Credit Card for Purchases
0%
9
months
2.9%0%
16
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
High 5 Cashback Card
0%
9
months
2.9%
---
---
24.8%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 24.8% (variable)+£24 fee p.a
June offer: No annual fee for one year (was £24). T&Cs apply.
Saga
Platinum
0%
9
months
3%0%
9
months
11.9%
Representative Example: The annual purchase rate is 11.3% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
0% foreign exchange fees on transactions worldwide.
Virgin
Atlantic White Card Account
0%
6
months
2%
---
---
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).
3000 bonus Flying Club miles on first spend, plus 1 mile for every £1 spent.
Virgin
Atlantic Black Card Account
0%
6
months
2%
---
---
52.1%
Representative Example: 18.9% p.a. variable on card purchases. This is equivalent to 52.1% APR representative variable based on a credit limit of £1,200. Annual fee of £140 is payable.
6,000 bonus miles with your first card purchase.
Lloyds TSB
Duo Avios Credit Cards
0%
6
months
3%
---
---
17.9%
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
You could get 15,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
Lloyds TSB
Premier Duo Avios without Premier AVA
0%
6
months
3%
---
---
23.7%
Representative Example: The annual purchase rate is 13.95% p.a.(variable) so if you spend £1,200 your representative APR will be 23.7% (variable)+£50 fee p.a
You could get 20,000 Avios - enough for a return flight, when you successfully apply for the Duo Avios and spend £500 a month for the first three months. T&C's apply.
Shout
Visa
No introductory rate
---
---
No introductory rate
---
627%
Representative Example: If you spend £300 on a purchase transaction at the start of your agreement, and incur total monthly charges of £540 over a period of 20 months your representative APR will be 627% (variable).
The NEW shout Visa Credit Card. For people who want credit to be simple, clear and affordable
Full Results
Barclaycard
Platinum With BT (27 Mths)
0%
27
months
2.98%0%
6
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).
June offer: A refund reduces your fee from 3.90% to 2.98% (terms and conditions apply)
Virgin
Balance Transfer Credit Card
0%
26
months
2.99%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
Platinum Card (Online)
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Barclaycard
Platinum With BT (26 Mths)
0%
26
months
2.47%0%
6
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).
Refund offer on the balance transfer fee, was 3.50% now 2.47% (terms and conditions apply)
RBS
Platinum Card
0%
26
months
2.65%0%
6
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank
Clubcard Credit Card for Balance Transfers
0%
25
months
2.9%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).
Halifax
Balance Transfer Card 25/3
0%
25
months
2%0%
3
months
18.9%
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
The APR and length of the promotional offer are dependent on your personal circumstances.
Halifax, The Mound, Edinburgh, EH1 1YZ.
Barclaycard
Platinum With BT (25 Mths) - Branch
0%
25
months
3.2%0%
6
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).
fluid
Balance Transfer Card
0%
24
months
2.89%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).
MBNA
Platinum Credit Card 24/3 (Direct)
0%
24
months
2.85%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).
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.
MBNA
Platinum Credit Card
0%
23
months
2.5%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).
Barclaycard
Business Balance Transfer Card
0%
22
months
2.5%0%
3
months
18.9%
Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
0% interest on balance transfers for 22 months (from account opening). Only 2.5% balance transfer handling fee.
MBNA
Platinum Credit Card
0%
22
months
2%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).
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).
Halifax
Balance Transfer Card 21/3 (attached to 25/3)
0%
21
months
2%0%
3
months
21.9%
Representative Example: The annual purchase rate is 21.9% p.a.(variable) so if you spend £1,200 your representative APR will be 21.9% (variable).
Lloyds TSB
Platinum Balance Transfer Card
0%
21
months
1.5%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).
Nationwide
Credit Card (Balance Transfer - Online)
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 (Online)
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).
 Next Page  >

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This has helped considerably, I will have it on my faves for looking back at when deciding how to invest, thanks.
Gael

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.

Barclaycard Business Credit Card

  • The credit card offers an introductory purchase rate of 0 percent.
  • You get 0 percent mthly purchase intro rate from Barclaycard.
  • Get introductory purchase duration of 3 months.
  • Customers benefit from 0 yrs minimum trading period from the Business Credit Card.
  • You enjoy limitless maximum annual turnover.
  • Representative Example: If you spend £1,500 at a purchase interest rate of 16.9% (variable) with a £32 annual Fee your Representative APR will be 21.9% (variable).

Lloyds TSB Business Credit Card Ex/C

  • Lloyds TSB gives mininmum yearly turnover of £0.
  • Customers get 1 years minimum trading duration from the credit card.
  • Get representative APR of 22.4 percent.
  • New customers enjoy 16.3 percent cash advance rate.
  • Representative Example: 22.4% APR representative variable. Based on £1,200 credit limit & annual purchase rate 16.3% p.a. variable.

NatWest Business Card

  • Intro balance transfer fee of 0% is available.
  • Balance transfer fee of 0 percent is available with Business Card.
  • New customers can get 23.2 percent representative APR.
  • An unlimited max annual turnover is offered.
  • Representative Example: 23.2% APR representative variable. Based on £1,200 credit limit & annual purchase rate 16.9% p.a. variable.

RBS Business Credit Card

  • Take advantage of an intro balance transfer fee of 0% from the Business Credit Card.
  • Customers take advantage of limitless max annual turnover from this credit card.
  • Get 16.9% standard balance transfer rate from RBS.
  • New customers take advantage of mininmum yearly turnover of £0.
  • Representative Example: 23.2% APR representative variable. Based on £1,200 credit limit & annual purchase rate 16.9% p.a. variable.

Yorkshire Bank Business Card

  • You will have the benefit of unlimited max annual turnover.
  • Mininmum annual turnover of £0 is offered with Business Card.
  • Get a representative APR of 16.9% from the credit card.
  • Have the benefit of a minimum trading period of 0 yrs from the Business Card.
  • Representative Example: 16.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 15.76% p.a. variable.

Barclaycard Cashback Business Credit Card

  • The credit card gives a 0.5% minimum cashback rate.
  • Average cashback rate of 0.5 percent is offered to you.
  • Take advantage of 3 months intro purchase duration from Barclaycard.
  • £0 mininmum annual turnover is offered with this credit card.
  • Representative Example: If you spend £1,500 at a purchase interest rate of 19.9% (variable) with a £32 annual Fee your Representative APR will be 25.1% (variable).

Barclaycard Business Balance Transfer Card

  • 18.9 percent representative APR is offered.
  • You enjoy limitless max annual turnover from this credit card.
  • New customers have the benefit of 0 years minimum trading time from Barclaycard.
  • You take advantage of 3 months initial purchase duration from this Business Balance Transfer Card.
  • Initial purchase duration of 3 months is offered with Business Balance Transfer Card.
  • Representative Example: If you spend £1,500 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).

MBNA More Rewards Credit Card

  • 20.9% average money transfer rate is available with this credit card.
  • New customers get 12.9% representative APR from this More Rewards Credit Card.
  • This credit card gives a purchase interest AER of 12.9%.
  • This MBNA More Rewards Credit Card has a std balance transfer rate of 18.9%.
  • 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).
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