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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 over 3 years, now may be the ideal time to transfer your existing debts!

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Sorted by longest 0% introductory balance transfer offer

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

Balance Transfers

Virgin Money Balance Transfer Credit Card

Virgin Money Virgin Money Balance Transfer Credit Card Image

40 months of 0.0% interest on transfers

2.89% 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 18.9% (variable) annual.
Limited offer: 0% interest on balance transfers for 40 months, 2.89% handling fee applies. Offer available until 14th February 2016.

Halifax Balance Transfer

Halifax Halifax Balance Transfer Image

40 months of 0.0% interest on transfers

2.95% 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.
Limited offer: 0% interest on balance transfers for 40 months, 2.95% handling fee applies. Offer available until 15th February 2016.

Virgin Money Balance Transfer

Virgin Money Virgin Money Balance Transfer Image

38 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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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
Transfer money into your current account and pay 0% interest for 38 months. A handling fee of 4% is applied and added to the total amount of credit owed.

Tesco Bank Balance Transfer Credit Card

Tesco Bank Tesco Bank Balance Transfer Credit Card Image

38 months of 0.0% interest on transfers

2.70% 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.
If you're paying interest on a credit card, you could transfer your balance to Tesco Bank and pay 0% for 38 months. A handling fee of 2.7% will be applied and added to the total amount of credit owed.

Barclaycard Platinum 37 months

placeholder card image

37 months of 0.0% interest on transfers

2.19% 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 £1200. Rate of interest 18.9% (variable) annual.

Post Office Balance Transfer Card

Post Office Ltd Post Office Balance Transfer 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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Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.9% (variable) annual.
The effective balance transfer handling fee is 2.49%. If you transfer your balance an initial transfer fee of 2.98% will be applied and you will be refunded 0.49% onto your Post Office Money credit card within 90 days of the balance transaction date.

Barclaycard Platinum

Barclaycard Platinum Image

37 months of 0.0% interest on transfers

2.54% 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.
The effective handling fee is 2.54%. If you transfer your balance an initial transfer fee of 3.5% will be applied and Barclaycard will refund 0.96% back onto your credit card within 2 working days.

Bank of Scotland Platinum Balance Transfer

Bank of Scotland Platinum Balance Transfer Image

37 months of 0.0% interest on transfers

2.65% 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 2.65%. If you transfer your balance an initial transfer fee of 3% will be applied and Bank of Scotland will refund 0.35% back onto your credit card within 90 days.

Lloyds Bank Platinum

Lloyds Bank Lloyds Bank Platinum Image

37 months of 0.0% interest on transfers

2.65% 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 2.65%. If you transfer your balance an initial transfer fee of 3% will be applied and Lloyds Bank will refund 0.35% back onto your credit card within 90 days.

Sainsbury’s Bank Nectar Long Balance Transfer Credit Card

Sainsbury's Bank Sainsbury’s Bank Nectar Long Balance Transfer Credit Card Image

37 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.
If you transfer your balance to Sainsbury's Bank a balance transfer fee of 2.89% will be applied to transfers within the first 3 months. 3% balance bransfer fee thereafter, minimum £3.

MBNA Platinum Credit Card

MBNA MBNA Platinum Credit Card Image

37 months of 0.0% interest on transfers

2.89% 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.
When this offer comes to an end and for transfers made after the 60 days, a standard rate of 20.9% p.a. for balance transfers & 22.9% p.a for money transfers (5% handling fee) applies. Check your eligibility with MBNA before you apply.

Fluid Balance Transfer

fluid Fluid Balance Transfer Image

37 months of 0.0% interest on transfers

2.90% 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.
Move money into your current account and pay 0% interest for 20 months. A money transfer handling fee of 4% will be applied and added to the total amount of credit owed.

The Co-operative Bank 3 Year Fixed Rate

placeholder card image

36 months of 6.9% interest on transfers

0.00% fee

36 months 6.9% interest on purchases

No rewards

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual

Virgin Money Balance Transfer Credit Card

Virgin Money Virgin Money Balance Transfer Credit Card Image

36 months of 0.0% interest on transfers

1.69% 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 £1,200. Rate of interest 18.9% (variable) annual.
Limited offer: 0% interest on balance transfers for 36 months, 1.69% handling fee applies. Offer available until 14th February 2016.

Barclaycard Platinum 36 Months

Barclaycard Platinum 36 Months Image

36 months of 0.0% interest on transfers

2.39% 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 £1200. Rate of interest 18.9% (variable) annual.
Paying interest on a credit card? You could transfer your balance to Barclaycard and pay 0% interest for 3 years, plus get access to a range of Barclaycard entertainment benefits.

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

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 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.

Tesco Bank Clubcard credit card for money transfers

placeholder card image

35 months of 0.0% interest on transfers

2.70% 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.

34 Month Virgin Money Transfer Credit Card

Virgin Money 34 Month Virgin Money Transfer Credit Card Image

34 months of 0.0% interest on transfers

2.29% fee

3 months 0% interest on purchases

No rewards

18.9% APR

Can I get this card?

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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 money into your current account and pay 0% interest for 34 months. A handling fee of 2.29% is applied and added to the total amount of credit owed.

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

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

Credit cards terms

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