Balance to transfer:
Your existing credit card provider:
    We've assumed: change
    You're paying 18.9% APR on your current card & making a minimum payment of 1% plus interest.
    Barclaycard Platinum With Balance Transfer (34 Mths)
    Balance Transfers
    0% for 34 months
    2.99% fee
    Purchases
    0% for 9 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,944.22 over 34 months
    A fee of 3.5% will be applied, then reduced to 2.99% by a refund. (terms and conditions apply).
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Barclaycard Platinum With Balance Transfer (33 Mths)
    Balance Transfers
    0% for 33 months
    2.79% fee
    Purchases
    0% for 9 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,902.44 over 33 months
    A fee of 3.5% will be applied, then reduced to 2.79% by a refund (terms and conditions apply).
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Halifax Balance Transfer Credit Card (33 Mths)
    Balance Transfers
    0% for 33 months
    2.8% fee
    Purchases
    0% for 6 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,901.94 over 33 months
    Balance transfer refund available - a 3% initial fee will be charged, however 0.2% of the balance will be refunded automatically within 90 days.
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Bank of Scotland Platinum Balance Transfer Card (33 Mths)
    Balance Transfers
    0% for 33 months
    2.85% fee
    Purchases
    0% for 6 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,899.44 over 33 months
    Standard balance transfer fee of 2.85% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Lloyds Bank Platinum Balance Transfer Card (33 Mths)
    Balance Transfers
    0% for 33 months
    2.85% fee
    Purchases
    0% for 6 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,899.44 over 33 months
    2.85% Balance transfer fee applies in the first 90 days (An initial 3% fee applies; then refund 0.15% within 90 days, so the effective fee is 2.85%)
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Sainsbury's Bank Nectar Balance Transfer Credit Card
    Balance Transfers
    0% for 33 months
    2.89% fee
    Purchases
    0% for 6 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,897.44 over 33 months
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Tesco Bank Clubcard Credit Card (Balance Transfer)
    Balance Transfers
    0% for 33 months
    2.9% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,896.94 over 33 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    MBNA Platinum Credit Card
    Balance Transfers
    0% for 32 months
    2.69% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,855.12 over 32 months
    0% on money transfers for 32 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2014.
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    fluid Balance Transfer Card
    Balance Transfers
    0% for 29 months
    2.9% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,684.44 over 29 months
    The introductory rate is for balances transferred within the first 60 days of your account opening. 0% on money transfers for the first 29months with a 4% handling fee.
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    AA Balance Transfer Credit Card
    Balance Transfers
    0% for 28 months
    2.9% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,629.94 over 28 months
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    TSB Platinum Balance Transfer Card - (28 Mths)
    Balance Transfers
    0% for 28 months
    3% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,624.94 over 28 months
    Low fee balance transfer card.
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Nationwide Credit Card (Balance Transfer)
    Balance Transfers
    0% for 26 months
    2.4% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    17.9% APR
    You could save up to
    £1,544.28 over 26 months
    Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
    Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
    Balance Transfers
    0% for 25 months
    1.99% fee
    Purchases
    0% for 3 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,508.59 over 25 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Barclaycard Platinum With Balance Transfer (24 Mths)
    Balance Transfers
    0% for 24 months
    1.25% fee
    Purchases
    0% for 6 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,488.83 over 24 months
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Santander 123 Credit Card
    Balance Transfers
    0% for 23 months
    Purchases
    0% for 23 months
    Representative APR (variable)
    16.5% APR
    You could save up to
    £1,440.98 over 23 months
    Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 16.5% APR (variable).
    Barclaycard Platinum Purchase
    Balance Transfers
    0% for 23 months
    2.49% fee
    Purchases
    0% for 14 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,369.48 over 23 months
    A fee of 3.5% will be applied, then reduced to 2.49% by a refund (terms and conditions apply).
    Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    MBNA Everyday Credit Card
    Balance Transfers
    0% for 21 months
    1.5% fee
    Purchases
    0% for 15 months
    Representative APR (variable)
    15.9% APR
    You could save up to
    £1,302.53 over 21 months
    0% on money transfers for 21 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2014.
    Representative Example: The standard interest rate on purchases is 15.9% p.a. (variable). So if you borrow £1,200 the Representative APR will be 15.9% APR (variable).
    Halifax All in One Credit Card
    Balance Transfers
    0% for 19 months
    2% fee
    Purchases
    0% for 16 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,158.67 over 19 months
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Bank of Scotland Platinum Balance Transfer Card (18 Mths)
    Balance Transfers
    0% for 18 months
    2% fee
    Purchases
    0% for 16 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,098.33 over 18 months
    Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
    Lloyds Bank Platinum Balance Transfer Card (18 Mths)
    Balance Transfers
    0% for 18 months
    2% fee
    Purchases
    0% for 16 months
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,098.33 over 18 months
    Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

    money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

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    How to Find the Best Balance Transfer Credit Cards

    by Martin from money.co.uk

    Getting the best balance transfer credit card is essential if you want to cut the cost of your credit card debts by moving them to a cheaper home. Here's how to find the best credit card balance transfer deal.

    Charge Card

    Applying for a balance transfer card is a good way to make your debts less expensive and ultimately pay them off quicker.

    There are two main types of balance transfer cards:

    1. 0% balance transfer credit cards that offer an interest free home for your credit card debt for a set number of months

    2. Lifetime balance transfer cards that apply a low interest rate for the full duration of time you have the debt outstanding.

    In general, a 0% balance transfer credit card will be cheaper over the shorter term while lifetime balance transfer cards become cheaper the longer you'll take to repay the debt - (unless you're willing to jump from one 0% balance transfer card to another).

    Of course, with 0% balance transfer deals getting longer and longer all the time, you are more likely than ever to be able to find a 0% card that'll cover the life of your repayments.

    Step by step guide

    To work out which is the cheapest option you need to work out exactly how long you need to repay the credit card borrowing you want to transfer.

    Luckily for you the 0% balance transfer credit card 2014 price war is in full swing and lenders are trying to outdo one another to offer the longest 0% deal.

    Check if the best 0% balance transfer credit cards available at the time offer a long enough interest free period to cover your repayment schedule. If so you should then choose the card with the cheapest handling fee that you meet the eligibility criteria for.

    If you find that you'll need several months more than the longest repayment schedule then you'll need to consider whether you're likely to remember to make another 0% balance transfer when the initial deal ends.

    If not then you may be better off looking for the lowest interest rate available on a lifetime balance transfer card.

    Regardless of which type of card your choose you'll also need to factor in any balance transfer fee into your calculations to double check you're getting the cheapest credit card balance transfer offers.

    Whether you're able to complete a balance transfer will also depend on being accepted for a sufficient credit limit on the new card to cover your transfer, which is based upon your credit record and level of income.

    If the credit limit you're offered isn't quite big enough you should still transfer as much of your expensive debt as you can. This way you'll at least be cutting the cost of a significant portion of your debt and you can either focus on paying the remainder off as quickly as possible or making alternative arrangements for it.

    You can compare the best credit card balance transfer offers side by side using our credit card balance transfer comparison table and use the advanced search to find super balance transfer cards for your circumstances.