Credit Cards

Balance transfer credit cards

Paying interest on your existing credit card? A balance transfer card allows you to transfer your balance from an existing card to your new card, potentially saving you hundreds of pounds in interest charges during the 0% introductory period. Consider it a new card helping you pay off debts from old cards, but at a lower rate, meaning you could be debt free quicker.


We compare 0% balance transfer deals where you could be interest free for up to 41 months, now may be the ideal time to transfer your existing debts!

Sorted by longest 0% introductory balance transfer offer

Balance transfer intro period & rate
Purchases intro period & rate
Rewards
Representative APR
Likelihood of acceptance
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Sorted by longest 0% introductory balance transfer offer

Balance Transfers

Halifax Balance Transfer

Halifax Halifax Balance Transfer Image

41 months of 0.0% interest on transfers

3.18% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
0% interest on balance transfers for 41 months. A 3.5% handling fee is applied, then Halifax will refund 0.32% within 90 days, making the effective fee 3.18%.

Virgin Money 41 month Balance Transfer Card

Virgin Money Virgin Money 41 month Balance Transfer Card Image

41 months of 0.0% interest on transfers

3.19% fee

3 months 0% interest on purchases

No rewards

20.9% APR

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Representative example: Representative 20.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 20.9% (variable) annual.
New Offer: 0% interest on balance transfers, with a 3.19% handling fee.

MBNA Platinum Credit Card

MB' Ltd  MBNA Platinum Credit Card Image

41 months of 0.0% interest on transfers

3.45% fee

No 0% intro

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
0% on balance transfers for 41 months with a fee of 3.45%. Plus, find out your likelihood of acceptance for this card before you apply, with MBNA eligibility checker.

nuba transfer credit card

placeholder card image

41 months of 0.0% interest on transfers

3.49% fee

No 0% intro

No rewards

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
Make balance transfers or money transfers totalling at least £1,000 within the first 60 days of account opening, and nuba will send you a £20 Amazon.co.uk Gift Card.

Santander All In One

Santander Santander All In One Image

40 months of 0.0% interest on transfers

1.00% fee

6 months 0% interest on purchases

0.5% cashback

21.7% APR

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Representative example: Representative 21.7% APR variable. Based on a monthly fee of £3 (equivalent to £36 annual fee) assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
0% on balance transfers for 40 months (1% fee applies), plus benefit from 0.5% cashback on all purchases

Bank of Scotland Platinum Balance Transfer

Bank of Scotland Platinum Balance Transfer Image

40 months of 0.0% interest on transfers

1.94% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
The effective transfer handling fee is 1.94%. If you transfer your balance an initial transfer fee of 3% will be applied and Bank of Scotland will refund 1.06% back onto your credit card within 90 days.

Lloyds Bank Platinum

Lloyds Bank Lloyds Bank Platinum Image

40 months of 0.0% interest on transfers

1.94% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
The effective transfer handling fee is 1.94%. If you transfer your balance an initial transfer fee of 3% will be applied and Lloyds Bank will refund 1.06% back onto your credit card within 90 days.

MBNA Platinum Credit Card

placeholder card image

40 months of 0.0% interest on transfers

2.35% fee

No 0% intro

No rewards

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
0% on balance transfers for 40 months with a fee of 2.35%. Plus, find out your likelihood of acceptance for this card before you apply, with MBNA eligibility checker.

Sainsbury's Bank Nectar 40 Month Balance Transfer Credit Card

Sainsbury's Bank Sainsbury's Bank Nectar  40 Month Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

1.95% fee

3 months 0% interest on purchases

Nectar Points

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Available to Nectar cardholders only. Reduced balance transfer fee of 1.95% by refund when you enter your Nectar card number during your application. Applies to transfers made within your first 3 months, 3% afterwards (min. £3 at all times).

Sainsbury's Bank 40 Month Balance Transfer Credit Card

Sainsbury's Bank Sainsbury's Bank  40 Month Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.89% fee

3 months 0% interest on purchases

Nectar points

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.
You don't need to be a Nectar cardholder to benefit from this offer. 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times).

Tesco Bank Balance Transfer Credit Card

Tesco Bank Tesco Bank Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.69% fee

3 months 0% interest on purchases

Clubcard points

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Transfer your balance and pay 0% interest for the first 40 months. Offer applies to transfers made within the first 90 days of account opening.

Tesco Bank Clubcard credit card for money transfers

placeholder card image

40 months of 0.0% interest on transfers

2.69% fee

3 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual. Postal address: PO Box 27028, Glasgow, G2 9FT

Tesco Bank Balance Transfer Credit Card

placeholder card image

38 months of 0.0% interest on transfers

2.49% fee

3 months 0% interest on purchases

Clubcard points

18.9% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Transfer your balance and pay 0% interest for the first 38 months. Offer applies to transfers made within the first 90 days of account opening.

Barclaycard Platinum 37 months

Barclaycard Platinum 37 months Image

37 months of 0.0% interest on transfers

2.45% fee

6 months 0% interest on purchases

No rewards

18.9% APR

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Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Limited offer: The effective handling fee is 2.45%. If you transfer your balance an initial transfer fee of 3.5% will be applied and Barclaycard will refund 1.05% back onto your credit card within 2 working days.

Post Office Money Balance Transfer Card

placeholder card image

37 months of 0.0% interest on transfers

2.49% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Sorry, this card is not available through Confused.com. Why?
Representative example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
A 2.49% fee applies and balance transfers must be made within 3 months of account opening. Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

AA Balance Transfer Credit Card

The AA AA Balance Transfer Credit Card Image

37 months of 0.0% interest on transfers

2.50% fee

3 months 0% interest on purchases

No rewards

19.9% APR

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Representative example: Representative 19.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 19.9% (variable) annual.
Transfer your existing balance and pay 0% interest for 37 months (2.5% balance transfer fee applies)

Virgin Money Transfer Credit Card

Virgin Money Virgin Money Transfer Credit Card Image

36 months of 0.0% interest on transfers

2.39% fee

3 months 0% interest on purchases

No rewards

20.9% APR

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Representative example: Representative 20.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 20.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 3 years. A handling fee of 2.39% is applied and added to the total amount of credit owed.

Sainsbury's Bank 35 Month Balance Transfer Credit Card

Sainsbury's Bank Sainsbury's Bank 35 Month Balance  Transfer Credit Card Image

35 months of 0.0% interest on transfers

1.50% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

34 months of 0.0% interest on transfers

1.49% fee

3 months 0% interest on purchases

No rewards

19.9% APR

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Representative example: Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 34 months. A handling fee of 4% is applied and added to the total amount of credit owed.

Sainsbury's Bank Nectar 33 Month Balance Transfer Credit Card

Sainsbury's Bank Sainsbury's Bank Nectar 33 Month Balance  Transfer Credit Card Image

33 months of 0.0% interest on transfers

0.64% fee

3 months 0% interest on purchases

No rewards

18.9% APR

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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Nectar cardholders only – You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.86% so the overall fee is 0.64%. 3% balance transfer fee afterwards (minimum £3 at all times).

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

We aim to show as many cards as possible, although there may be some we're unable to display.

 

Your guide to credit cards

  • Things to consider before getting a balance transfer card
  • Which providers offer balance transfer cards?
  • Types of balance transfer cards
  • What is a balance transfer card?

Credit cards terms

  • What is APR?
  • Balance transfer fee
  • Representative APR