Compare balance transfer cards

Save money on your existing credit card balances by transferring them to a new card with 0% interest. Compare the best 0% balance transfer deals currently available at MoneySuperMarket.

Featured balance transfer credit cards - Ordered by longest balance transfer offer

Apply for the cards below today or search all balance transfer cards

  1. Market leading

    Longest 0% balance transfer deal

    Great for
    Giving you the longest interest free period to clear debts
    3.5% fee applies, but is reduced to 2.79% by a refund
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  2. Great for
    3.5% fee applies, but is reduced to 2.69% by a refund
    You can simply ‘wave and pay’ with Barclaycard – handy if you are someone who’s always on the go
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a Barclaycard

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  3. Great for
    3% fee applies, but is reduced to 2.7% by a refund
    Managing your card online using Online Banking and Mobile Banking
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot transfer a balance from another Halifax card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  4. 2014 SUPERS

    A good alternative long 0% deal if you’re switching debt from a Barclaycard, Halifax or MBNA card

    Great for
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  5. Great for
    0% interest for the first 32 months of balance transfers
    0% interest on purchases for the first six months
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Lloyds Bank credit card
    You won’t be able to transfer a balance that’s already on a Lloyds Bank Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% (variable) your representative APR will be 18.9% (variable).

  6. Great for
    0% interest for the first 32 months of balance transfers
    0% interest on purchases for the first six months
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Bank of Scotland credit card
    You won’t be able to transfer a balance that’s already on a Bank of Scotland Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  7. Alternative long 0% balance transfer deal

    Great for
    Contactless payments for purchases under £20
    Transferring money to your current account (4% fee applies, minimum £3)
    But be aware that
    The product, APR and promotional offer are dependent on your personal circumstances
    You cannot transfer balances between MBNA accounts

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  8. Alternative long 0% balance transfer deal with Nectar points collected on your spend

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  9. Great for
    The lowest fee in the market on a card offering 0% interest for 30 months or more
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  10. Great for
    Eligibility Check: Find out if you are eligible before applying for this card
    Contactless payments for purchases under £20
    Transferring money to your current account (4% fee applies)
    But be aware that
    You cannot transfer balances between MBNA accounts
    The product, APR and promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  11. You can also transfer money into your bank account interest-free for 29 months, for a 4% fee

    Great for
    The advertised rate is the rate you will get
    Discounts on Virgin products
    Making a money transfer – pay money into your bank account from your credit card (4% handling fee applies)
    But be aware that
    You cannot transfer balances between MBNA accounts

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  12. Alternative long 0% deal if you already have all the market leaders

    Great for
    Managing your card on the go with the Santander mobile app for iPhone, iPad and AndroidTM devices
    Protection against internet fraud
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    You cannot transfer a balance from another Santander card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  13. Great for
    0% interest for the first 28 months of balance transfers
    0% interest on purchases for the first three months
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You won’t be able to transfer a balance that’s already on a TSB card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.94% (variable) your representative APR will be 18.9% (variable).

  14. Great for
    Earn commission free purchases abroad - £1 of commission free allowance per £5 spent in a month (UK, Sterling)
    But be aware that
    You won’t be able to transfer a balance that’s already on a Nationwide credit card
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.9% (variable) your representative APR will be 17.9% (variable).

  15. 2014 SUPERS

    Winner of our Best Credit Card Provider award

    Great for
    A balance transfer fee of 1.99%
    Clubcard points on your spending. One point awarded for every £4 spent in each purchase transaction (£4 min). Must have available credit
    But be aware that
    The APR you get is subject to status, so may vary
    You cannot apply if you currently hold another Tesco Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).

  16. Great for
    Pre-Approval – Lloyds Bank current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    Offers the lowest fee on a long 0% balance transfer card
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Lloyds Bank credit card
    You won’t be able to transfer a balance that’s already on a Lloyds Bank Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  17. Great for
    Pre-Approval – Bank of Scotland current account customers can use ‘Will you get this card?’ to see if you are pre-approved for this card
    Offers the lowest fee on a long 0% balance transfer card
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Bank of Scotland credit card
    You won’t be able to transfer a balance that’s already on a Bank of Scotland Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.95% (variable) your representative APR will be 17.9% (variable).

  18. Great for
    Offers the lowest fee on a long 0% balance transfer card
    But be aware that
    The APR and length of the promotional offer are dependent on your personal circumstances
    You cannot apply if you currently hold another Halifax credit card
    You won’t be able to transfer a balance that’s already on a Halifax Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.95% (variable) your representative APR will be 18.9% (variable).

  19. Strong balance transfer offer, with a low fee – but longer 0% purchase periods exist

    Great for
    A low 14.9% p.a. variable on card purchases after the promotional period
    Low balance transfer fee of 1.5%
    Transfer money to your current account
    But be aware that
    You cannot transfer a balance from another MBNA or Virgin card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 14.9% (variable) your representative APR will be 14.9% (variable).

  20. Great for
    0% interest on purchases for the first three months
    No fees on purchases overseas. No cash advance fee when you purchase Post Office Travel Money
    The Post Office Platinum Card is provided by Bank of Ireland UK
    But be aware that
    You must earn over £15,000 a year
    To qualify for the 0.7% fee you must apply before 31st July 2014

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 17.8% (variable) your representative APR will be 17.8% (variable).

  21. Limited offer

    Great for
    1% fee applies, but is reduced to 0% by a refund
    The longest deal with no balance transfer fee
    Transferring and paying off smaller balances
    But be aware that
    To keep your 0% rate you must make your minimum payments in time each month and not go over your credit limit
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% (variable) your representative APR will be 19.9% (variable).

Your personalised chance of approval

We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

Balance transfer guide

Think of a credit card and you think of a flexible form of payment, perfect for a shopping spree. But credit cards are not all about spending. If you make the right choice, a credit card can also help you to manage your debts and save money on your interest payments.

Let’s face it, many of us have run up debts on several credit and store cards. What’s more, they could be costing us a fortune in interest. The typical rate on some store cards is as high as 30%.

Cut the cost of debts

But there is a way to cut the cost of your debts – with a balance transfer card. You simply switch the outstanding balance on your high-rate credit cards to a cheaper balance transfer deal. You could easily chop the interest payments in half, or even down to zero with a 0% balance transfer card.

The card issuer will set a limit on the amount that you can transfer, but you can switch debts from any number of cards as long as you remain within the limit – which might, for example, be 95% of your agreed credit limit on the new card.

0% balance transfer cards

Let’s say you have built up debts of £1000 on a credit card at 18% and £500 on a store card at 24%. If you transfer the total £1500 to a card that charges 0% for 12 months, you would pay no interest for a year. If you clear the debt before the 0% period expires, the balance transfer card works like an interest-free loan.

It’s a good idea to set up a direct debit to make the necessary payments. You can then be sure to pay off the outstanding balance in time. And don’t forget to cut up your expensive credit cards once you’ve cleared the respective balances. Otherwise, you might be tempted to go on a spending spree and run up more debts!

Balance transfer fee

Most balance transfer cards charge a fee of between 2% and 3% of the amount you transfer. So, if you switch a balance of £1500, you could pay a fee of up to £45. But don’t let the fee put you off. In many cases, you can more than make up for the cost in the amount you save in interest.

Some balance transfer cards offer good deals on purchases as well as balance transfers, so you can also spend on the card. But you should check the terms and conditions. A card might, for example, charge 0% on balance transfers for 12 months, but 0% on purchases for only three months. You therefore have to manage your money carefully.  

It often works out better to take out two separate cards, one for balance transfers and one for purchases. That way, you can take full advantage of the best deals on the market and make the best savings. Remember, though, that card firms are fussy about their customers, reserving the best deals for applicants with a high credit score.

You also will not be able to transfer to a balance transfer card offered by the same firm with which you have your current card.

Penalty charges

Watch out for charges on balance transfer cards. You do not normally have to pay an annual fee, but you will have to pay a penalty if you are late with a payment, miss a payment, or breach your limit. Of course, if you mismanage your account, you could also damage your credit rating.

There are a number of balance transfer credit cards on the market, but it’s easy to compare the best balance transfer deals with MoneySupermarket’s free independent comparison service.  It’s a quick and easy way to find the right card for you that'll save you money.

We're free, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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