Compare balance transfer credit cards

You could save money by getting a balance transfer credit card with a low APR or even 0% interest period.

  • Get an interest free period of up to 30 months
  • Save money on interest when paying off debt
  • Apply in minutes

Find and compare the cards available to you,

without affecting your credit score

Compare balance transfer credit cards from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to do a balance transfer

1

Find out what you owe

Add up your existing credit card debt, including the interest rates you're being charged.

2

Compare balance transfer credit cards

See what cards are available to move some - or all - of that debt to. Our card finder tool will let you see which ones you're likely to be accepted for.

3

Apply for a balance transfer credit card

You can fill out an application. After that it can take up to a week or more to hear back on whether you've been accepted.

4

Make the transfer and start paying off your debt

Once your application has been accepted, make your transfer in the first 90 days of getting the new card. Once your balance has been transferred you can start making payments.

Balance transfer credit card deals

50 results found, based on transferring £1000 and paying £100 a month. Sorted by payment term and costs. Find out more about how our calculator works and how we order our comparisons.
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£
£
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Balance transfers
0% for 21 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
20.9% APR
Pay the balance over
10 months with no fees or interest
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
HSBC Balance Transfer Credit Card
Balance transfers
0% for 20 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
21.9% APR
Pay the balance over
10 months with no fees or interest
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£6,800
UK Resident
Virgin Money Balance Transfer Credit Card (18 Mths) (21.9%)
Balance transfers
0% for 18 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
21.9% APR
Pay the balance over
10 months with no fees or interest
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (18 Mths) (23.9%)
Balance transfers
0% for 18 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
23.9% APR
Pay the balance over
10 months with no fees or interest
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Barclaycard Platinum Balance Transfer (15 Mths)
Balance transfers
0% for 15 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
21.9% APR
Pay the balance over
10 months with no fees or interest
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Virgin Money Balance Transfer Credit Card (18 Mths) (25.9%)
Balance transfers
0% for 18 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
25.9% APR
Pay the balance over
10 months with no fees or interest
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Barclaycard Platinum Balance Transfer (24 Mths)
Balance transfers
0% for 24 months with a 0.9% fee
Balance transfer fee
0.9%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £9.00
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)
Balance transfers
0% for 28 months with a 1% fee
Balance transfer fee
1%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 28 Month Credit Card
Balance transfers
0% for 28 months with a 1% fee (£3 min.)
Balance transfer fee
1% (£3 min.)
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £10.00
A Balance Transfer fee of 1% or 1.5% applies on transfers made within the first 3 months, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 28 or 20 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Virgin Money Balance Transfer Credit Card (28 Mths) (23.9%)
Balance transfers
0% for 28 months with a 1% fee
Balance transfer fee
1%
Representative APR (variable)
23.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Compare another type of credit card

What is a balance transfer credit card?

Balance transfer credit cards are designed to let you move existing debt from one provider to another.

The best balance transfer cards offer people 0% interest for more than two years, no fees to pay up front, and even come with rewards like vouchers or loyalty points for signing up.

Used right, they can let you clear your debt faster than by leaving it on your old card, as well as potentially paying far less interest overall.

However, if you miss a payment you could lose your 0% rate, seeing you pay interest on the balance again, as well as incurring fees and a black mark on your credit report.

The longest 0% deals are only available to people with excellent credit records - although cards with shorter interest-free introductory periods are available to far more people.

Find out more about how balance transfers work

When to use a balance transfer credit card

A balance transfer should be used to help you pay less interest on existing credit card debt.

Thanks to the 0% interest deals on offer, you can move either all - or a lot - of your existing debt somewhere you either won't be charged interest, or will be charged a lot less interest on the money you owe.

However, a word of warning. Applications for new cards are recorded on your credit report. This lets other lenders see what else you've been applying for before making a decision on whether to offer you a card or not.

Normally, this isn't a problem, but if you've applied for a series of cards or other products in a short space of time, for example in the past six months, it can make you look desperate for money and make a lender more likely to reject you.

That means if you're rejected from the first card you apply for, the next bank becomes less likely to accept you - or offer you their best 0% deals.

The good news is that eligibility checkers can help you find the balance transfer cards you're most likely to be offered without leaving a mark on your credit report visible to other providers.

You can compare balance transfer and purchase credit cards here

Remember that you can't transfer a balance between cards from the same bank/provider. For example, if you have a Natwest credit card, you can't transfer the balance to a Natwest balance transfer card.

How long is the 0% balance transfer introductory period?

With a 0% balance transfer credit card, the introductory interest free period can range from two months all the way up to 30 months¹.

The longer the introductory period, the more time you will have to pay it back, without paying interest.

Most providers will state that you must complete the balance transfer within a set period for you to get the 0% deal. For example, you may have to complete the balance transfer within 60 days of opening your balance transfer credit card. This is to stop the rate rising and any fees being applied.

How long you need to pay off your balance depends on how much you can afford to pay every month. Paying off your balance within the interest-free period helps you save money.

Salman Haqqiquotation mark
Balance transfer cards can save you significant money on interest charges - but missing a payment invalidates all their benefits. So setting up a direct debit to cover at least the minimum payment each month is a good idea.
Salman Haqqi, Personal Finance Editor

What happens after the 0% interest-free period ends?

The interest rate usually increases sharply to what is known as the Standard Variable Rate (SVR) or the 'revert rate'. This is why it's important to pay off your balance within the interest-free period.

  • If you paid your balance in full: You have nothing to worry about. You can either cancel the card, or keep it to make purchases in the future.

  • If you still have a partial balance remaining: You could opt to get another 0% balance transfer card for the remaining balance and pay it off without paying interest.

What is the balance transfer fee?

Some credit cards will charge what is known the balance transfer fee. This is either a flat fee or a small percentage of the amount you want to transfer. This usually added to your balance.

If you make a balance transfer of £2,000 to a credit card with a 2% balance transfer fee, it would cost £40, making your total transferred balance £2,040.

The balance transfer fee typically ranges between 1% and 5%. Some providers will also charge a set fee if you have a small balance to transfer.

You may be offered a balance transfer credit card with a fee of 2.9% or a £5 minimum. If you want to transfer £150 to this card, 2.9% of your transfer amount is only £4.35, so you would have to pay the £5 minimum.

Balance transfer FAQs

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without affecting your credit score

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Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 6 December, 2021

¹Current longest 0% interest balance transfer period on Money.co.uk tables