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.
    This comparison includes all 0% credit cards with a balance transfer fee of 1.5% or less.
    This comparison now shows cards with a low balance transfer fee that fit your criteria.
    We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
    Tesco Bank Clubcard Credit Card (Balance Transfer) Semi Excl
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.49%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,700.44 over 28 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).
    Bank of Scotland Platinum Balance Transfer Card (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.5%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,699.94 over 28 months
    1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
    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 (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.5%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,699.94 over 28 months
    1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
    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).
    Halifax Balance Transfer Credit Card (28 Mths)
    Balance transfers
    0% for 28 months
    Balance transfer fee
    1.5%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,699.94 over 28 months
    1.5% Balance transfer fee applies in the first 90 days, 3% fee applies thereafter.
    The APR and length of the promotional offer are dependent on your personal circumstances.
    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).
    Virgin Low Fee Balance Transfer Credit Card
    Balance transfers
    0% for 26 months
    Balance transfer fee
    1.25%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,601.78 over 26 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
    Balance transfer fee
    No fee
    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), so if you borrow £1,200 the Representative APR will be 16.5% APR (variable). £24 annual fee.
    Halifax All in One Credit Card
    Balance transfers
    0% for 19 months
    Balance transfer fee
    1%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,208.67 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 (19 Mths)
    Balance transfers
    0% for 19 months
    Balance transfer fee
    1%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,208.67 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).
    Lloyds Bank Platinum Balance Transfer Card (19 Mths)
    Balance transfers
    0% for 19 months
    Balance transfer fee
    1%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,208.67 over 19 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).
    Tesco Bank Clubcard Credit Card with No BT Fee
    Balance transfers
    0% for 18 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,198.33 over 18 months
    No Balance Transfer fee. Earn Clubcard points wherever you use your card, plus your usual points in Tesco, Terms apply.
    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).
    Post Office Credit Card
    Balance transfers
    0% for 18 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    17.8% APR
    You could save up to
    £1,198.33 over 18 months
    0% commission on purchases made overseas.
    Representative Example: The standard interest rate on purchases is 17.8% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.8% APR (variable).
    Halifax Balance Transfer Credit Card (18 Mths)
    Balance transfers
    0% for 18 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,195.33 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).
    Virgin Balance Transfer Credit Card (18 Mths)
    Balance transfers
    0% for 18 months
    Balance transfer fee
    0.75%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,160.83 over 18 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).
    Bank of Scotland Platinum Balance Transfer Card (16 Mths)
    Balance transfers
    0% for 16 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,072.78 over 16 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 (16 Mths)
    Balance transfers
    0% for 16 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,072.78 over 16 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).
    Santander Credit Card
    Balance transfers
    0% for 15 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    18.9% APR
    You could save up to
    £1,008.57 over 15 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).
    Nationwide Credit Card (Low Fee Balance Transfer)
    Balance transfers
    0% for 15 months
    Balance transfer fee
    0.65%
    Representative APR (variable)
    17.9% APR
    You could save up to
    £981.07 over 15 months
    Choose the Nationwide Credit Card offer that will best suit your needs. Earn commission-free purchases abroad & access a range of savings on big brands with the Simply Rewards Scheme.
    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 with Low BT Fee - Semi Excl
    Balance transfers
    0% for 15 months
    Balance transfer fee
    0.85%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £971.07 over 15 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).
    Sainsbury's Bank Nectar No BT Fee Credit Card
    Balance transfers
    0% for 13 months
    Balance transfer fee
    No fee
    Representative APR (variable)
    18.9% APR
    You could save up to
    £887.21 over 13 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).
    TSB Platinum Balance Transfer Card - (12 Mths)
    Balance transfers
    0% for 12 months
    Balance transfer fee
    0.25%
    Representative APR (variable)
    18.9% APR
    You could save up to
    £810.56 over 12 months
    Low fee balance transfer card. The balance transfer fee will increase to 3% after 90 days.
    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 promoted on money.co.uk.

    We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

    How to Find the Best Low Fee Balance Transfer Credit Cards

    If you're looking to move expensive credit card debt to a low cost home but are put off by the upfront handling costs, one of the many 0% balance transfer credit card with low fee could be the solution you're looking for.

    0% balance transfer credit cards can be a great way to cut the cost of your credit card debts, reducing the amount of interest you pay to nothing for a number of months so you can focus on paying off what you owe.

    It's tempting to go for the credit card that offers the longest 0% deal on balance transfers without properly researching your options. However, this could actually work out more expensive for you in the long run.

    This is because most 0% balance transfer credit cards apply a transfer fee (also called a handling fee) when you move your debts. This tends to be around 3% but can sometimes be up to 5%, meaning you have more to pay back before you've even started.

    Most of the balance transfer credit cards that offer the longest 0% periods charge high handling fees. However, if you could repay your borrowing sooner you could cut your costs considerably by applying for a low fee balance transfer credit card.

    While 0% balance transfer with low fee credit cards tend to offer a shorter 0% interest period than the market leading balance transfer deals, more generous offers are becoming available.

    So, if you're able to pay off the outstanding balance within the 0% period if you get one of the 0low fee credit card offers, you could save yourself money.

    To find the best 0% low fee credit card for your circumstances, work out how many months it will take you to repay your credit card borrowing and then look for the credit card with the lowest transfer fee that offers the number of months you need interest free.

    Even if you need longer to repay your debts there may be a low fee balance transfer credit card that meets your needs.

    Several life of balance transfer credit card deals apply a low or zero transfer fee, so if you can't find a 0% balance transfer card with a long enough 0% period to repay your debts and don't want to switch between deals, they could be an alternative.

    However, when looking at lifetime balance transfer credit card deals, although you will want to keep the balance fee as low as possible, it will be the interest rate that makes the biggest difference to the overall cost, as it will be applied from the day you make your balance transfer to the card.

    You can compare cheap low handling fee credit cards side by side using our low fee credit card comparison table.

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