Work out how much you need to transfer
Add up the balances you want to move and check the transfer fee. Include the fee when working out how much you’ll need to repay each month to clear the debt before the 0% period ends.
Balance transfer credit cards
Find the right 0% balance transfer card for you
Pay 0% interest for up to 36[1] months
Complete a purchase and earn a £10* reward with super save club logo
MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 24.9% APR
*Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
Is a balance transfer card right for you?
A balance transfer card lets you move existing credit-card debt to a new card, often with 0% interest for a fixed period. This could reduce the interest you pay and help you clear your debt sooner, but it won’t reduce the amount you owe.
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A balance transfer card could suit you if:
You’re paying interest on one or more credit-card balances
The interest you could save is greater than the transfer fee
You can keep up with the repayments
You have a realistic plan to clear the balance before the 0% period ends
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It might not be right for you if:
You can afford to repay your existing balance in full
You need to continue spending and the card doesn’t offer 0% on purchases
The transfer fee would outweigh the interest you could save
You’re struggling to make your existing minimum payments
Need help with credit card balance transfer?
Get answers in seconds with our AI chatbot.
Ask our AI companion
How to transfer your balance in three steps
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Compare cards and check your eligibility
Compare the 0% period, transfer fee and standard APR. Use our eligibility checker to see which cards you’re likely to get without affecting your credit score.
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Apply and transfer your balance
Apply with details of your income, employment and debts. Give your new provider the old card number and the amount you want to transfer.
Keep paying your old card until the transfer is confirmed.
Compare our best balance transfer cards
Compare our top ten balance transfer credit cards, featuring our longest 0% periods alongside no fee balance transfer options to help you save more. You can also see an example balance transfer deal you could get if you have a poor credit score.
Santander
Everyday Long Term Balance Transfer Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)
Great for
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Get cashback, vouchers, prize draws and other offers personalised with Santander Boosts
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Up to 3 additional cardholders (you will be responsible for the use of and payments on the additional cards)
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Up to 56 days interest-free credit on purchases
But be aware that
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You can't transfer a balance from another card issued by Santander or cahoot
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You're not eligible for this card if you've had a CCJ or been declared bankrupt in the last 72 months
Earn rewards points every time you shop and they'll be converted to M&S vouchers for you to spend. These turn into Rewards vouchers up to 4 times a year, which are either sent to you or are available in your M&S Sparks account. T&Cs apply
M&S
Transfer Plus Offer Credit Card
Representative example: If you spend £1,200.00 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% (variable)
Great for
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1 point will be earned for every £5 spent
But be aware that
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You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances
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Balance transfers must be made within the first 90 days to get the promotional offer. You must earn at least £6,800 a year to be eligible for this card.
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Only available to customers who are not an existing M&S Credit Card holder and have not held a credit card with M&S Bank within the 12 months prior to your making your application
Santander
All in One Credit Card
Representative example: If you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a £3 monthly fee your representative APR is 29.8% APR (variable)
Great for
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No fee for transferring a balance. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency. A cash withdrawal fee of 3% (minimum £3) applies
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Earn 0.5% cashback (up to £10 a month) on all your purchases
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Get cashback, vouchers, prize draws and other offers personalised with Santander Boosts
But be aware that
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There is a £3 monthly fee
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You can't transfer a balance from another card issued by Santander, including Cahoot
Barclaycard
14 month Balance Transfer
Representative example: If you spend £1,200 at a purchase rate of 24.9% (variable) p.a. your representative APR is 24.9% APR (variable)
Great for
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0% interest on balance transfers for 15 months from the date you open your account. Transfers must be made within 60 days to benefit from the 0% offer
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Register on the Barclays or Barclaycard App to earn cashback on your everyday spending at a range of participating retailers. T&Cs apply
But be aware that
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Balance transfers must be made within the first 60 days to get the promotional offer
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You can't transfer a balance from another card issued by Barclaycard
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You must earn at least £20,000 a year to be eligible for this card
NatWest
Balance Transfer Card
Representative example: If you spend £1,200 at a purchase rate of 29.9% (variable) p.a. your representative APR is 29.9% APR (variable)
But be aware that
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You can't transfer a balance from another card issued by other NatWest group cards
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Balance Transfers must be made within the first 90 days to get the promotional offer. Balance transfers are limited to 95% of your available credit limit. The minimum balance transfer amount is £100
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Purchases must be made within the first 90 days to get the promotional offer
With a bad credit score, you are likely to be offered shorter 0% periods and a higher rate once the interest free period ends. The actual terms you get will depend on your individual circumstances.
How do we choose which cards to feature?
The tables are ordered by longest 0% balance transfer period. Any commercial agreement we have in place with a provider won’t affect how we compare or rank your quotes. We will always try to display them in a way that helps you get the best deal. This is why we’ve built filters and sorting functions into quote results listings where we can. Please note. We occasionally agree commercial arrangements with providers to advertise their products on site, including on our results pages. These will be clearly identifiable as adverts and labelled 'sponsored' and won't affect the ranking within the results table.
How much could you save with a balance transfer credit card?
If you're paying interest on an existing balance, you can stop interest from building by moving the debt to a balance transfer credit card, saving you money and enabling you to pay off your debt sooner.
To see how much you could save by switching, calculate your savings with our credit card interest calculator.
Most MoneySuperMarket customers save
£411[5]
by moving their existing debts to a balance transfer credit card.
How much could I save with a balance transfer card?
Credit Card Calculator
See how much it will cost to pay off your credit card, and how long will it take
£
%
This rate of interest determines how much it costs for you to borrow on the credit card.
You should be able to find it on your statement, usually in a summary box on the back. Unless you have changed cards recently, it's likely to be between about 14.9% and 29.9%.
If you can't find it, get in touch with your card provider - they will be able to tell you simply and quickly.
£
Enter the size of the payment you typically make each month.
If you aren't sure, look back at your last three statements to see how much you paid on those.
Please enter a valid number
You'll need to repay more each month to pay off the card within the next 20 years
Results
Pay off your balance by
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Save money with a balance transfer credit card
Switching to a 0% balance transfer card could save you £200. Play with the filters below to match your circumstance and find out how much you can save.
| Current | Switching | |
|---|---|---|
| Monthly cost | ‐ | ‐ |
| Last installment | ‐ | ‐ |
| Interest cost & fees | ‐ | ‐ |
| What you save | ‐ | ‐ |
* If you do not pay off your balance within the promotional period, you will then be charged interest. For calculation purposes, we've used the interest rate you entered above.
Compare balance transfer cardsHow to choose the right balance transfer card
The right card depends on how much you need to transfer, how quickly you can repay it and which offers you’re eligible for. Consider these five factors:
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Length of the 0% period
Choose a 0% period that gives you enough time to clear the balance. A longer offer can provide more breathing room, but it may come with a higher transfer fee.
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Balance transfer fee
Check how much you’ll be charged to move the balance and compare this with the interest you could save. If you can repay the debt quickly, a shorter no-fee offer may cost less overall.
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Eligibility
Use an eligibility checker to see which cards you’re likely to be accepted for before applying. This uses a soft search, so checking your eligibility won’t affect your credit score.
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Transfer limit
Your provider may only let you transfer part of your new card’s credit limit. You might not know the exact limit until your application is approved, but transferring part of the balance could still reduce the interest you pay.
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APR after the promotional period
The card’s standard interest rate will apply to any balance left after the 0% period ends and may be much higher. Check the rate before applying and plan to clear the balance before the offer expires.
Which type of card fits your needs?
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Longer 0% balance-transfer card
This could suit you if you have a larger balance or need more time to repay it. Check whether the longer 0% period comes with a higher transfer fee.
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No-fee balance-transfer card
This could suit you if you can repay the balance more quickly. These cards don’t charge a transfer fee, but they often have shorter 0% periods.
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Balance-transfer and purchase card
This could suit you if you want to transfer existing debt and continue using the card for spending. Check the promotional periods and rates for both balance transfers and purchases.
Getting the most from your balance transfer card
Transfer your balance promptly
Many 0% offers only apply to transfers made within a limited period, often the first 60 or 90 days after opening the account. Check your card’s deadline and arrange the transfer as soon as you can.
Set up a direct debit
Set up a direct debit for at least the minimum payment. A late or missed payment could result in a charge and may cause you to lose the promotional rate.
Avoid purchases and cash withdrawals
Purchases and cash withdrawals may not be covered by the 0% balance-transfer offer and could attract interest or additional fees. If you need to continue spending, consider a combined balance-transfer and purchase card.
Clear the balance before the 0% period ends
Work out how much you need to repay each month, including the transfer fee, to clear the balance before the offer expires. Any remaining balance will usually move to the card’s higher standard interest rate.
Why compare balance transfer cards at MoneySuperMarket?
MoneySuperMarket makes comparing balance transfer cards simpler.
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See which cards you’re likely to get
See your chances of being accepted for each balance transfer card, so you can focus on deals that could work for you.
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Check your eligibility without affecting your credit score
Our eligibility check uses a soft search, which won’t leave a mark on your credit file.
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Compare leading balance transfer card providers
See 0% offer lengths, balance transfer fees, and representative APRs side by side, to help you find a card that could save you money.
Our expert says…
Getting a balance transfer card could be a savvy move as interest rates are currently high
Balance transfer credit cards can be a great tool for managing and paying down debt without interest charges eroding your best efforts.
These cards usually come with an interest-free period and our top deal has a 0% period of 36[1] months. Just remember, you’ll have to pay a transfer fee – so make sure to read the terms and conditions before applying.
Kara Gammell Personal Finance & Insurance Expert
Can I transfer a balance between cards from the same provider?
Usually not. Most providers won’t allow you to transfer a balance between cards issued by the same bank or banking group. Check which brands belong to the same group before applying.
How long does a balance transfer take?
A balance transfer can usually be completed within a few days, although timing varies between providers and it can sometimes take a couple of weeks. Keep making payments to your old card until the transfer is confirmed.
Does a balance transfer affect my credit score?
Checking your eligibility with a soft search won’t affect your credit score. A full application will normally involve a hard credit search, and making several applications within a short period could affect your ability to get credit.
Once you have the card, making payments on time and managing the account responsibly can help protect your credit record.
Can I transfer more than one balance?
You may be able to transfer balances from more than one eligible credit card, provided the total is within the transfer limit set by your new provider. Transfers from cards issued by the same bank or banking group are usually excluded.
What happens when the 0% period ends?
The card’s standard interest rate will apply to any balance left when the promotional period ends. Aim to clear the balance before then. If you can’t, review your options before the offer expires rather than leaving the debt at the higher rate.
What is the difference between a balance transfer and a money transfer card?
A balance transfer card moves credit-card debt to another card, often with a lower or 0% introductory rate. A money transfer card sends money to your bank account, which you could use to repay other borrowing such as an overdraft or personal loan.
Both types of transfer can come with a fee, so compare the total cost before applying.
Need more guidance? We've got you covered
Want to find out more about balance transfer cards and how they could help you manage debt? Our specialist guides can give you the knowledge you need.
Compare more than just balance transfer credit cards
Reviewed on 17 Sep 2026
Sources and supporting information
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[1]
Accurate as of 12 September 2026.
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[2]
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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[4]
Based on the credit card enquirys with the aim to transfer an existing balance through MoneySuperMarket between June 2026 and August 2026.
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[5]
Annual saving based on 51% of customers transferring £2,349 from a 24.9% (variable) p.a. card, with a 5% monthly repayment (June 2026). BoE and UK Finance.
Representative example: transferring £2,349, 3.49% balance transfer fee, 0% over 38 months then 24.9% (variable) p.a. Representative 24.9% APR. Credit broker not lender. 18+ UK only. Subject to status. Moneysupermarket data correct as of 8th July 2026 -
[6]
Based on the average Representative APR of users clicking out on credit cards products, to transfer a balance & have interest free spending through MoneySuperMarket between June 2026 and August 2026.
