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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 for up to 36 months interest free, now may be the ideal time to transfer your existing debts!

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Balance Transfers

Barclaycard Platinum

Barclaycard Platinum Image

36 months of 0.0% interest on transfers

2.99% 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 UK's longest balance transfer period, 3 years at 0% on balance transfers, plus your fee refunded from 3.5% to 2.99%

Platinum With Balance Transfer (36 Mths)

placeholder card image

36 months of 0.0% interest on transfers

2.99% 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.

Virgin Balance Transfer

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36 months of 0.0% interest on transfers

3.49% 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.

Barclaycard Platinum 35 Months

Barclaycard Platinum 35 Months Image

35 months of 0.0% interest on transfers

2.69% 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.
Transfer your balance and pay 0% interest for 35 months, plus your handling fee refunded from 3.5% to 2.69%

Halifax Balance Transfer

Halifax Halifax Balance Transfer Image

35 months of 0.0% interest on transfers

2.70% 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.
Halifax's longest ever 0% balance transfer period, plus your handling fee reduced from 3% to 2.7%

MBNA Platinum Credit Card

MBNA MBNA Platinum Credit Card Image

35 months of 0.0% interest on transfers

2.79% 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.
Transfer your balance and pay 0% for 35 months (2.79% fee), transfer money into your current account and pay 0% for 12 months (4% fee)

Bank of Scotland Platinum Balance Transfer

Bank of Scotland Platinum Balance Transfer Image

35 months of 0.0% interest on transfers

3.00% 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.
Bank of Scotland's longest ever 0% transfer period, pay no interest for 35 months, offer exclusively available online

Lloyds Bank Platinum

Lloyds Bank Lloyds Bank Platinum Image

35 months of 0.0% interest on transfers

3.00% 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.
Lloyds Bank's longest ever 0% transfer period, pay no interest for 35 months, offer exclusively available online

Sainsbury's Nectar Balance Transfer Card

Sainsbury's Bank Sainsbury's Nectar Balance Transfer Card Image

34 months of 0.0% interest on transfers

2.89% fee

6 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.
Transfer your balance and pay no interest for 34 months with a 2.89% handling fee, plus earn Nectar points as you spend

Tesco Clubcard Credit Card for Balance Transfers

Tesco Bank Tesco Clubcard Credit Card for Balance Transfers Image

34 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

Tesco 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.
Earn Clubcard points on all purchases, transfer your balance at 0% for 34 months, apply online and get a decision within 60 seconds

HSBC Existing Customer Card

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34 months of 0.0% interest on transfers

3.30% 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.

Fluid Balance Transfer

fluid Fluid Balance Transfer Image

33 months of 0.0% interest on transfers

2.88% 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.
Transfer your existing balance and pay 0% for 33 months, plus check you're eligible before you apply

Lloyds Bank Platinum Balance Transfer Card

Lloyds Bank Lloyds Bank Platinum Balance Transfer Card Image

28 months of 0.0% interest on transfers

1.50% fee

12 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.
Transfer your existing balance and pay 0% for 28 months with a low handling fee of 1.50%

Bank of Scotland Platinum

Bank of Scotland Platinum Image

28 months of 0.0% interest on transfers

1.50% fee

12 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.
Exclusively available online only, Bank of Scotland's longest combined credit card offer on balance transfers and purchases

Halifax Balance Transfer 28 Months

Halifax Halifax Balance Transfer 28 Months Image

28 months of 0.0% interest on transfers

1.50% fee

12 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 18.95% (variable) annual
Transfer your existing balance and pay 0% for 28 months with a low handling fee of 1.50%

TSB Platinum Balance Transfer Card 28 Months

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28 months of 0.0% interest on transfers

3.00% 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 18.94% PA (variable) annual.

Lloyds Bank Choice Rewards

Lloyds Bank Lloyds Bank Choice Rewards Image

28 months of 0.0% interest on transfers

3.00% fee

12 months 0% interest on purchases

Choice points

23.7% APR

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Representative Example: Representative 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Collect Choice points every time you shop, plus transfer your balance interest free for 28 months

Lloyds Bank Avios Rewards Credit Card

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28 months of 0.0% interest on transfers

3.00% fee

12 months 0% interest on purchases

Avios

23.7% APR

Card Matcher is not available for this card Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1,200. Rate of interest 18.94% (variable) annual.
Upgrade to Business Class when you spend £7,000 a year, benefit from no foreign transaction fees

First Direct Credit Card

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27 months of 0.0% interest on transfers

2.29% fee

No 0% intro

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 £1,200. Rate of interest 18.9% (variable) annual.

Nationwide Balance Transfer Card

Nationwide Balance Transfer Card Image

26 months of 0.0% interest on transfers

2.40% fee

3 months 0% interest on purchases

No rewards

17.9% APR

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Representative Example: Representative 17.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.9% (variable) annual.
Join the 'Rewards for Abroad' scheme to earn your commission-free allowance

Nationwide Select

Nationwide Select Image

26 months of 0.0% interest on transfers

2.40% fee

15 months 0% interest on purchases

0.5% unlimited cashback

15.9% APR

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Representative Example: Representative 15.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 15.9% (variable) annual.
Benefit from 0.5% unlimited cashback, plus pay no interest on purchases for 15 months - available to new & existing Flex account holders

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.

 

Your guide to credit cards

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

Credit cards terms

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