Balance Transfer Credit Cards – Page 2

  • The credit cards displayed below are all of the 0% balance transfer credit cards currently available online.
  • Please be aware that by selecting all available balance transfer credit cards, some of these cards may be issued by the same credit card company as your current credit card. Where this is the case, you will not able to make a balance transfer.

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  24  Months

Card Offers

Balance Transfers:
0% for 24 Months
Balance Transfer Fee:
2.49%
Purchases:
0% for24 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Bank of Ireland (UK) MasterCard Matched
  • 0% on balance transfers for up to 24 months from account opening
  • 2.49% balance transfer fee
  • 0% on purchases for 24 months from account opening
  • Up to 3 additional cardholders free of charge
  • Contactless payments
  • Annual Fee: None
More Information

Application Criteria

Bank of Ireland (UK) MasterCard Matched
  • You are a Northern Ireland resident or Bank Of Ireland (UK) customer
  • You havea good credit history
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)
0% Balance Transfer Credit Cards for  23  Months

Card Offers

Balance Transfers:
0% for 23 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 20 Months
Representative APR:
21.9% APR (variable)
More Information

Card Details

Virgin Money 23 Month All Round
  • 0% on balance transfers for 23 months from the date your account is opened
  • 2.9% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 20 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 £30
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Virgin Money 23 Month All Round
  • 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
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
0% Balance Transfer Credit Cards for  20  Months

Card Offers

Balance Transfers:
0% for 20 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

NatWest Balance Transfer
  • 0% on balance transfers for 20 months from account opening
  • No balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

NatWest Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 20 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

RBS Balance Transfer
  • 0% on balance transfers for 20 months from account opening
  • No balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

RBS Balance Transfer
  • You are a RBS customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with RBS
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for up to 20 Months
Balance Transfer Fee:
2.95%
Purchases:
0% for up to 20 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

TSB Platinum Purchase
  • 0% interest for up to the first 20 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest on purchases for up to the first 20 months
  • Internet fraud protection and Clicksafe
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Purchase
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

Card Offers

Balance Transfers:
0% for up to 20 Months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Bank Of Scotland 20 Month Platinum
  • 0% interest for first 20 months from account opening on balance transfers made within first 90 days
  • 3% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening.
  • 0% interest for 20 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Bank Of Scotland 20 Month Platinum
  • You are a UK resident
  • You have a regular income
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 20 Months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Halifax 20 Month Balance Transfer
  • 0% for up to 20 months from account opening on balance transfers within the first 90 days
  • 3% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening.
  • 0% for up to 20 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax 20 Month Balance Transfer
  • 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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 20 Months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Lloyds Platinum 20 Month
  • 0% interest for up to 20 months from account opening on balance transfers
  • 3% balance transfer fee
  • 0% interest for up to 20 months from account opening on purchases
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Lloyds Platinum 20 Month
  • 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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances
0% Balance Transfer Credit Cards for  18  Months

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Santander Everyday
  • 0% on balance transfers for 18 months from date of account opening
  • 0% balance transfer fee
  • 0% on purchases for 3 months from date of account opening
  • Cashback through Retailer Offers
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Santander Everyday
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are 18 years of age or over
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
0%
Purchases:
0% for 18 Months
Representative APR:
49.8% APR (variable)
More Information

Card Details

Santander World Elite
  • 0% for 18 months on balance transfers from date of account opening
  • 0% balance transfer fee
  • 0% for 18 months on purchases from date of account opening
  • 0.5% on all purchases up to a maximum monthly spend of £3,000
  • Unlimited airport lounge access
  • Access to over 1 million Wi-Fi hotspots
  • Monthly Fee: £15
More Information

Application Criteria

Santander World Elite
  • You are a Santander Select or Private customer
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are aged 18 or over
More Information
Representative Example: 49.8% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable) with a monthly fee payable of £15

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
1.4%
Purchases:
0% for 9 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

HSBC Premier
  • 0% interest for 18 months on balance transfers made within 60 days of account opening
  • 1.4% balance transfer fee (minimum £5)
  • 0% on purchases for 9 months from account opening
  • At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
  • Travel benefits
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

HSBC Premier
  • You are an HSBC premier customer
  • You are a UK resident, including Isle of Man and Channel Islands
  • You are aged 18 or over
More Information
ONLY available to HSBC premier bank account customers
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Credit is subject to status

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
2%
Purchases:
0% for 28 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Virgin Money Purchase
  • 0% on balance transfers for 18 months from the date your account is opened
  • 2% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 28 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 up to £20
  • Paperless statements
  • Annual Fee: None
More Information

Application Criteria

Virgin Money Purchase
  • 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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 9 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Partnership
  • 0% on balance transfers for 18 months from account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 9 months from account opening
  • Earn points to convert into John Lewis and Waitrose vouchers
  • Every 500 points you earn is worth £5 in vouchers
  • Exclusive partnership cardholder events and special offers
  • Annual Fee: None
More Information

Application Criteria

Partnership
  • You have a UK residential address
  • You have a good credit history
  • You have a household income of more than £6,750 a year
  • You are aged 18 or over
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 18 Months
Balance Transfer Fee:
3%
Purchases:
0% for 9 Months
Representative APR:
27.9% APR (variable)
More Information

Card Details

Bank of Scotland Classic
  • 0% for 18 months from account opening on balance transfers made within first 90 days
  • 3% balance transfer fee
  • 0% for 9 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Bank of Scotland Classic
  • You are a UK resident
  • You have a regular income
  • You have not bankrupt or subject to an IVA and have no County Court Judgments
  • You are aged 18 or over
More Information
Representative Example: 27.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 27.95% p.a. (variable)
0% Balance Transfer Credit Cards for  16  Months

Card Offers

Balance Transfers:
0% for up to 16 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Sainsbury’s No Balance Transfer Fee
  • 0% interest on balance transfers for up to 16 months
  • No balance transfer fee applies to transfers made within your first 3 months
  • 0% interest on purchases for first 3 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s No Balance Transfer Fee
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
0% Balance Transfer Credit Cards for  15  Months

Card Offers

Balance Transfers:
0% for up to 15 Months
Balance Transfer Fee:
0%
Purchases:
0% for 6 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Halifax No Fee Balance Transfer
  • 0% for up to 15 months from account opening on balance transfers within first 90 days
  • 0% balance transfer fee in first 90 days, 5% fee applies after 90 days of account opening.
  • 0% for 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax No Fee Balance Transfer
  • 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
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 15 Months
Balance Transfer Fee:
0%
Purchases:
0% for up to 6 Months
Representative APR:
19.9% APR (variable)
More Information

Card Details

Lloyds No Fee Balance Transfer
  • 0% for up to 15 months on balances transferred in the first 90 days
  • 0% balance transfer fee in first 90 days, 3% fee after 90 days
  • 0% on purchases for 6 months from account opening
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Lloyds No Fee Balance Transfer
  • You are a UK resident
  • You have a regular income
  • You are free from any county court judgements
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.94% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances
0% Balance Transfer Credit Cards for  12  Months

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
2%
Purchases:
0% for 12 Months
Representative APR:
21.9% APR (variable)
More Information

Card Details

Virgin Money Travel
  • 0% on balance transfers for 12 months from the date your account is opened
  • 2% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 12 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 £30
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Virgin Money Travel
  • 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
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
2.9%
Purchases:
0% for 3 Months
Representative APR:
24.9% APR (variable)
More Information

Card Details

Capital One Balance Transfer
  • 0% on balance transfers for 12 months
  • 2.9% balance transfer fee
  • 0% on purchases for 3 months
  • Credit limit up to £6,000
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Capital One Balance Transfer
  • You are a UK resident
  • You have had credit cards in the past
  • You are a home owner
  • You have an income of more than £20,000 per year
  • You are aged 18 or over
More Information
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.93% p.a. (variable)

Card Offers

Balance Transfers:
0% for 12 Months
Balance Transfer Fee:
2.99%
Purchases:
No offer
Representative APR:
24.9% APR (variable)
More Information

Card Details

Debenhams
  • 0% p.a. on balance transfers for 12 months
  • 2.99% balance transfer fee
  • No introductory offer on purchases
  • 500 Bonus Points in your first statement
  • 5
  • 10% off in Debenhams cafes and restaurants
  • Annual Fee: None
More Information

Application Criteria

Debenhams
  • You are a permanent UK resident
  • You have lived in the UK for last 12 months
  • You have a current UK bank account
  • You have a good credit history
  • You are aged 18 or over
More Information
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)
*The interest rates and credit limit which apply to you will depend on our assessment of your application