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Low fee balance transfer credit cards

Want to transfer your existing balance without paying high balance transfer fees? The cards below all have great introductory rates or low lifetime interest rates on existing balances, as well as a balance transfer fee of 2% or less, helping you save even more.

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Provider Balance transfer intro period & rate
Purchases intro period & rate
Rewards
Representative APR
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Low fee balance transfers

Santander 123

Santander 123 Image

23 months of 0.0% interest on transfers

0.00% fee

23 months 0% interest on purchases

Up to 3% cashback dependent on spend

16.5% APR

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Representative Example: Representative 16.5% APR variable. Based on £24 annual fee assumed borrowing of £1,200. Rate of interest 12.7% (variable) annual.
The UK's longest purchase period, earn cashback at supermarkets, department stores, and travel. Plus transfer your balance without paying a handling fee

Santander Credit Card

Santander Santander Credit Card Image

15 months of 0.0% interest on transfers

0.00% fee

15 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.
Benefit from one rate for both transfers and purchases at 0% for up to 15 months, no transfer fee and no annual card fee

Sainsbury's Nectar no balance transfer fee

Sainsbury's Bank Sainsbury's Nectar no balance transfer fee Image

13 months of 0.0% interest on transfers

0.00% fee

13 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.
Benefit from Sainsbury's Bank's lowest balance transfer fee ever at 0%, plus earn Nectar points as you spend

Halifax 13/13 Balance Transfer

Halifax Halifax 13/13 Balance Transfer Image

13 months of 0.0% interest on transfers

0.00% fee

13 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.
One rate for both purchases and transfers at 0% for 13 months, plus 0% transfer fee within the first 90 days

Tesco Clubcard Credit Card with No Transfer Fee

Tesco Bank Tesco Clubcard Credit Card with No Transfer Fee Image

12 months of 0.0% interest on transfers

0.00% fee

12 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.
Transfer your balance without having to pay a transfer fee, plus earn 1 point for every £4 spend in each purchase transaction (£4 min)

Danske Bank Standard Mastercard

placeholder card image

5 months of 0.0% interest on transfers

0.00% fee

5 months 0% interest on purchases

No rewards

22.9% APR

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Representative Example: Representative 22.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 22.9% (variable) annual.

Danske Bank Standard Visa Credit Card

placeholder card image

5 months of 0.0% interest on transfers

0.00% fee

5 months 0% interest on purchases

No rewards

22.9% APR

Card Matcher is not available for this card
Representative Example: Representative 22.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 22.9% (variable) annual.

TSB Platinum Balance Transfer Card 12 Months

TSB TSB Platinum Balance Transfer Card 12 Months Image

12 months of 0.0% interest on transfers

0.25% 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.

Nationwide Low Fee BT

  Nationwide Low Fee BT Image

15 months of 0.0% interest on transfers

0.35% 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.
Build up a commission free foreign allowance with Rewards for Abroad

Fluid Low Fee

fluid Fluid Low Fee Image

10 months of 0.0% interest on transfers

0.35% fee

3 months 0% interest on purchases

No rewards

19.9% APR

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Representative Example: Representative 19.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 19.9% (variable) annual.
Benefit from a low handling fee of only 0.35% when you transfer your balance

Lloyds Bank Platinum Low Fee

Lloyds Bank Lloyds Bank Platinum Low Fee Image

10 months of 0.0% interest on transfers

0.40% fee

10 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.
Refund offer, get your balance transfer fee reduced from 3% to a low 0.4%

Bank of Scotland Low Fee

Bank of Scotland Low Fee Image

10 months of 0.0% interest on transfers

0.40% fee

10 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.
Get your balance transfer fee refunded by 2.6% to benefit from a low fee of 0.40%

Post Office Platinum Card

Post Office Money Post Office Platinum Card Image

18 months of 0.0% interest on transfers

0.79% fee

3 months 0% interest on purchases

No rewards

17.8% APR

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Representative Example: Representative 17.8% APR variable. Based on assumed borrowing of £1,200. Rate of interest 17.8% (variable) annual.
No fees on any purchases you make abroad, plus transfer your balance with a low handling fee of 0.79%

Halifax All in One Credit Card

placeholder card image

19 months of 0.0% interest on transfers

1.00% fee

16 months 0% interest on purchases

No rewards

18.9% APR

Card Matcher is not available for this card
Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 18.95% (variable) annual.

Halifax All in One

Halifax Halifax All in One Image

19 months of 0.0% interest on transfers

1.00% fee

16 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 balance in the first 90 days and benefit from a low transfer fee of 1%, plus 0% on purchases for 16 months

TSB Platinum Purchase Card

TSB TSB Platinum Purchase Card Image

13 months of 0.0% interest on transfers

1.00% fee

13 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 17.95% PA (variable) annual.

Barclaycard Platinum 24 Months

Barclaycard Platinum 24 Months Image

24 months of 0.0% interest on transfers

1.25% 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.
Balance transfer fee refund offer - a fee of 2% will be applied then reduced to 1.25%

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

  • Can everyone get a low fee balance transfer card?
  • What types of balance transfer cards are there?
  • Which is the best card?
  • Why get a low fee balance transfer card?
  • Which providers offer low fee balance transfer cards?
  • What is a low fee balance transfer credit card?

Credit cards terms

  • Balance transfer
  • Balance transfer fee
  • Balance transfer introductory period