tickComparing balance transfer credit cards online since 2002
tickEvery UK 0% balance transfer credit card available online
tick0% balance transfer deals and offers are updated every day

Balance Transfer Credit Cards

Displayed below is every UK credit card, which is currently available online, that has a 0% introductory offer on balance transfers..


Balance Transfer Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

0% Balance Transfer Credit Cards for  28  Months
Balance Transfers:
0% for up to 28 months
Balance Transfer Fee:
3.45%
Purchases:
N/A
Representative APR:
24.9% APR (variable)
  • 0% interest on balance transfers for up to 28 months from account opening
  • 3.45% balance transfer fee applies
  • No offer on purchases for this card
  • Contactless payment technology for purchases of £100 or under
  • Online account management
  • Annual Fee: None
  • You have a permanent UK address
  • You have a regular income of more than £20,000 pa
  • You have a good credit rating
  • You have no history of bankruptcy or late payments
  • You are aged 21 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from Barclaycard or Hilton credit cards
0% Balance Transfer Credit Cards for  27  Months
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
3.25%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
  • 0% on balance transfers for 27 months from the date your account is opened
  • 3.25% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 months from the date your account is opened
  • Discounts on Virgin holidays, Virgin trains and Virgin experience days
  • Contactless payments to quickly and securely pay for purchases under £100
  • Online card servicing
  • Annual Fee: None
  • You are a UK resident
  • You have a bank or building society account
  • You have a good credit history
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from Clydesdale,Yorkshire or Virgin credit cards
Balance Transfers:
0% for 27 months
Balance Transfer Fee:
3.49%
Purchases:
N/A
Representative APR:
24.9% APR (variable)
  • 0% interest for 27 months on balance transfers
  • 3.49% balance transfer fee for the first 60 days and 5% fee thereafter
  • No purchases offer with this card
  • Contactless payments to quickly and securely pay for purchases under £100
  • Online card servicing
  • Annual Fee: None
  • You are a UK resident
  • You have a minimum annual income of £14,000
  • You have had a permanent UK address for 3 years or more
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.94% p.a. (variable)
No balance transfers allowed to this card from MBNA credit cards
0% Balance Transfer Credit Cards for  26  Months
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for 26 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
23.9% APR (variable)
  • 0% intertest for 26 months on balance transfers from account opening
  • 3% balance transfer fee, minimum £5
  • 0% interest for 3 months on purchases from account opening
  • Cashback through Retailer Offers
  • Online account management
  • Annual Fee: None
  • You are a permanent resident of the UK
  • You have a good credit history with no history of bad credit
  • You have an income of £10,500 per year or more
  • You are at least 18 years of age
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable)
No balance transfers allowed to this card from Santander credit cards
0% Balance Transfer Credit Cards for  25  Months
Balance Transfers:
0% for up to 25 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 6 months
Representative APR:
24.9% APR (variable)
  • 0% for up to 25 months from account opening on balance transfers made in first 90 days
  • 3.49% balance transfer fee in first 90 days of account opening, 5% fee applies after 90 days
  • 0% for up to 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.94% p.a. (variable)
No balance transfers allowed to this card from Bank of Scotland or Halifax credit cards
Balance Transfers:
0% for up to 25 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 6 months
Representative APR:
24.9% APR (variable)
  • 0% for up to 25 months on balances transferred in the first 90 days
  • 3.49% balance transfer fee in first 90 days of account opening, 5% fee applies after 90 days
  • 0% on purchases forup to 6 months from account opening
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
  • You are a UK resident
  • You have a regular income
  • You have a good credit history free from any county court judgements
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.94% p.a. (variable)
No balance transfers allowed to this card from Lloyds credit cards
0% Balance Transfer Credit Cards for  24  Months
Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards
Balance Transfers:
0% interest for 24 months
Balance Transfer Fee:
2.75%
Purchases:
N/A
Representative APR:
24.9% APR (variable)
  • 0% interest for 24 months on balance transfers made within the first 90 days of opening your account
  • 2.75% balance transfer fee in first 90 days, 3.99% fee after 90 days
  • No purchases offer with this card
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • You can transfer up to 95% of your available credit limit
  • Apply online and get a decision within 60 seconds
  • Annual Fee: None
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from Tesco credit cards