Is a balance transfer always free?

No. Many offers charge a fee on the amount transferred. Factor that into the total cost alongside any remaining balance after the 0% period.

What happens when the 0% balance-transfer period ends?

Any remaining transferred balance typically starts attracting interest at the card’s standard rate unless it is repaid in full or moved under another qualifying offer. Check the promotional end date in the product terms.

Can I transfer between cards from the same provider?

Not always. Some issuers restrict transfers from cards within the same bank or group. Restrictions vary by provider — check the product terms before applying.

Does a longer 0% period always save more money?

Not necessarily. A longer promotional period can help if you need more time to repay, but a higher transfer fee may offset the benefit. Compare fee, period length and your expected repayment schedule together.

Credit Cards

Balance Transfer Credit Cards

Q: Will an eligibility check affect my credit score?

Soft eligibility checks generally will not affect your credit score. A full application may involve a hard credit search. Several hard searches in a short period can weigh on your credit file.

Move existing credit-card debt to a new card and potentially pay less interest. Compare 0% transfer periods, transfer fees, representative APRs and eligibility.

How balance transfers work

How balance transfer cards work

A balance transfer card lets you move debt from another credit card onto a new card, often with 0% interest for an introductory period. A transfer fee may apply.

0% transfer period

How long transferred debt remains interest-free.

Transfer fee

The percentage or fixed amount charged when moving the balance.

Representative APR

The rate that may apply after the promotional period ends.

Balance transfer credit card deals

Compare 0% transfer periods, transfer fees, APRs and annual fees.

Compare 14 matching cards

Sort by

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

WiT Money order follows the product database order — not affiliate commission. Rates and offers can change; verify final terms with the provider before applying. How we compare credit cards →

A longer 0% period is not always the cheapest option. Consider the transfer fee as well as how quickly you expect to repay the balance.

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 14 months

Balance transfers

0% for 14 months

May suit

0% purchase spending
Balance transfers
Rewards

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

14 months at 0%

Balance Transfer

2.49%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Tesco Bank

Tesco Bank Balance Transfer Credit Card

Balance Transfer

Rewards

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 36 months

May suit

Balance transfers
Rewards

36 months at 0% on balance transfers
3.45% balance-transfer fee
9 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank Balance Transfer Credit Card

Balance Transfer

Rewards

No Annual Fee

36 months at 0%

Balance Transfer

3.45%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

36 months at 0% on balance transfers
3.45% balance-transfer fee
9 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 21 months

May suit

0% purchase spending
Balance transfers
Rewards

24 months promotional purchase offer
21 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

21 months at 0%

Balance Transfer

3.45%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
21 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

36 months at 0%

Balance Transfer

3.15%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer
36 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 17 months

May suit

0% purchase spending
Balance transfers

24 months promotional purchase offer
17 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

17 months at 0%

Balance Transfer

3.49%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
17 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Balance Transfer Credit Card

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 36 months

May suit

Balance transfers

36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Balance Transfer Credit Card

Balance Transfer

No Annual Fee

36 months at 0%

Balance Transfer

3.09%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

36 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 30 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
30 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

30 months at 0%

Balance Transfer

2.99%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

3 months promotional purchase offer
30 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 20 months

Balance transfers

0% for 20 months

May suit

0% purchase spending
Balance transfers
Rewards

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

20 months at 0%

Balance Transfer

2.95%

Transfer fee

27.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Virgin Money Cashback
Eligibility check:: Soft eligibility check available

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

36 months at 0%

Balance Transfer

Not stated*

Transfer fee

27.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

29.8%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 15 months

Balance transfers

0% for 15 months

May suit

0% purchase spending
Balance transfers
Rewards

15 months promotional purchase offer
15 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

15 months at 0%

Balance Transfer

0% fee

Transfer fee

29.8%

Representative APR

Not publicly stated / not verified

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: 0.5% cashback, capped at £10/month
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

15 months promotional purchase offer
15 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

33.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

6 months at 0%

Balance Transfer

2.9%

Transfer fee

33.9%

Representative APR

£0

Annual Fee

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Fluid

Fluid Balance Transfer Credit Card

Credit Builder

Balance Transfer

No Annual Fee

Building credit

34.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 9 months

May suit

Building or rebuilding credit
Balance transfers

Up to 9 months at 0% on balance transfers
3% balance-transfer fee
Transfers within 60 days
Up to 90% of available credit limit transferable

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

1 August 2026

Provider information

Verified

Fluid

Fluid Balance Transfer Credit Card

Credit Builder

Balance Transfer

No Annual Fee

9 months at 0%

Balance Transfer

Transfer fee

34.9%

Representative APR

£0

Annual Fee

May suit

Building or rebuilding credit
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 9 months at 0% on balance transfers
3% balance-transfer fee
Transfers within 60 days
Up to 90% of available credit limit transferable

Product details last checked: 1 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

35.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 19 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

19 months at 0%

Balance Transfer

3.9%

Transfer fee

35.9%

Representative APR

£0

Annual Fee

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

39.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

6 months at 0%

Balance Transfer

Transfer fee

39.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Representative APRs and product details are taken from lender disclosures and may change. Your rate and credit limit depend on your circumstances. Credit subject to status. Always confirm current terms on the provider’s website.

Eligibility

Who typically qualifies?

Credit card approvals depend on creditworthiness and affordability. Some providers offer a soft eligibility check before a full application.

Usually required

Aged 18 or over
UK resident
Verifiable regular income
UK bank or current account
Ability to afford repayments
Identity and address verification

What lenders may assess

Credit history
Income and expenditure
Existing borrowing
Electoral-roll information
Recent credit applications
Employment status
Existing relationship with the provider

Meeting typical conditions does not guarantee acceptance. The provider assesses affordability and creditworthiness and may offer different terms or a different credit limit.

A soft eligibility check is usually visible only on your credit file and generally will not affect your credit score. A full application may involve a hard credit search that other lenders can see.

Not sure whether a balance transfer will save you money?

Use the Debt Payoff Calculator to see how different monthly payments could affect your estimated payoff time and interest.

Try the Debt Payoff Calculator

Guide

What is a balance transfer?

A balance transfer moves debt from one or more credit cards onto a new card, often at 0% interest for a limited time. Providers usually charge a transfer fee as a percentage of the amount moved.

The aim is to reduce interest while you repay the balance. The fee and the length of the promotional period determine whether the move is worthwhile.

Costs

How much do balance transfers cost?

Most UK balance-transfer offers charge a transfer fee as a percentage of the amount moved. Some also set a minimum fee. The fee is typically added to the transferred balance.

What usually counts

Transfer-fee percentage on the amount moved
Any minimum fee stated in the product terms
Whether the fee is added to the new balance

Illustrative example

A 3% transfer fee on £3,000 would be £90. This is a worked example only — not a quote for any specific card. Always check the fee on the product you are considering.

Period length

How long should your 0% period be?

A longer promotional period can help if you need more time to repay. It is not automatically the cheapest option if the transfer fee is materially higher. Match the period to a repayment plan you can afford, and compare fee and period together.

Do not treat the longest 0% deal as “best” without checking the fee, APR after the offer, and your expected payoff date.

After the offer

What happens when the 0% period ends?

Remaining balances may begin attracting the standard purchase or transfer rate once the promotional period ends, depending on the card terms. Check the end date and plan repayments before interest applies.

Missing a repayment or breaking offer terms can end the 0% rate early. Always confirm current wording with the provider.

Restrictions

Can you transfer between cards from the same provider?

Not always. Some issuers restrict transfers from cards within the same bank or group. Rules vary by provider and product, so check the terms before you apply rather than assuming a transfer will be allowed.

Before you apply

What should you compare before applying?

Look beyond the headline months. Transfer fee, representative APR after the offer, annual fees and transfer restrictions all affect total cost.

0% transfer period

How long transferred debt remains interest-free if you keep to the terms.

Transfer fee

Usually a percentage of the amount moved — and sometimes a minimum fee.

Representative APR

The rate that may apply after the promotional period ends.

Annual fee

A fee can reduce the benefit of a longer 0% transfer offer.

Transfer restrictions

Some providers limit transfers from cards in the same bank or group.

Eligibility and deadlines

Approval is subject to status. Transfer windows and cut-off dates can apply.

You can also compare 0% purchase cards, browse all credit cards, or estimate repayments with the Debt Payoff Calculator.

FAQs

Frequently asked questions

Plain answers on transfer fees, 0% periods, eligibility and what happens when an offer ends.

Written by

Teresa Mary

Chief Finance Editor

Teresa leads WiT Money’s financial editorial content, helping ensure guides, comparisons and tools are clear, accurate and useful for UK consumers and businesses.

Last updated 10 August 2026

View Teresa Mary’s profile

Questions or updates

If you spot something that needs correcting or want to contact our editorial team, get in touch.

contact@witfinancegroup.com →

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Credit Cards

Balance Transfer Credit Cards

Move existing credit-card debt to a new card and potentially pay less interest. Compare 0% transfer periods, transfer fees, representative APRs and eligibility.

How balance transfers work

How balance transfer cards work

A balance transfer card lets you move debt from another credit card onto a new card, often with 0% interest for an introductory period. A transfer fee may apply.

0% transfer period

How long transferred debt remains interest-free.

Transfer fee

The percentage or fixed amount charged when moving the balance.

Representative APR

The rate that may apply after the promotional period ends.

Balance transfer credit card deals

Compare 0% transfer periods, transfer fees, APRs and annual fees.

Compare 14 matching cards

Sort by

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

WiT Money order follows the product database order — not affiliate commission. Rates and offers can change; verify final terms with the provider before applying. How we compare credit cards →

A longer 0% period is not always the cheapest option. Consider the transfer fee as well as how quickly you expect to repay the balance.

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 14 months

Balance transfers

0% for 14 months

May suit

0% purchase spending
Balance transfers
Rewards

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank All Round Credit Card

0% Purchases

Balance Transfer

Rewards

14 months at 0%

Balance Transfer

2.49%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

14 months at 0% on purchases
14 months at 0% on balance transfers
14 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Tesco Bank

Tesco Bank Balance Transfer Credit Card

Balance Transfer

Rewards

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 36 months

May suit

Balance transfers
Rewards

36 months at 0% on balance transfers
3.45% balance-transfer fee
9 months at 0% on money transfers
Collect Clubcard points

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Tesco Bank

Tesco Bank Balance Transfer Credit Card

Balance Transfer

Rewards

No Annual Fee

36 months at 0%

Balance Transfer

3.45%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

Balance transfers
Rewards

Rewards / Cashback:: Clubcard points
Eligibility check:: Soft eligibility check available

36 months at 0% on balance transfers
3.45% balance-transfer fee
9 months at 0% on money transfers
Collect Clubcard points

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 21 months

May suit

0% purchase spending
Balance transfers
Rewards

24 months promotional purchase offer
21 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Purchase Credit Card

0% Purchases

Balance Transfer

Rewards

21 months at 0%

Balance Transfer

3.45%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Cashback available
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
21 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

36 months at 0%

Balance Transfer

3.15%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

3 months promotional purchase offer
36 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 24 months

Balance transfers

0% for 17 months

May suit

0% purchase spending
Balance transfers

24 months promotional purchase offer
17 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Purchase Plus Credit Card

0% Purchases

Balance Transfer

No Annual Fee

17 months at 0%

Balance Transfer

3.49%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

24 months promotional purchase offer
17 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

HSBC UK

HSBC Balance Transfer Credit Card

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 36 months

May suit

Balance transfers

36 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

HSBC UK

HSBC Balance Transfer Credit Card

Balance Transfer

No Annual Fee

36 months at 0%

Balance Transfer

3.09%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

36 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

24.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 30 months

May suit

0% purchase spending
Balance transfers

3 months promotional purchase offer
30 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Nationwide Building Society

Nationwide Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

30 months at 0%

Balance Transfer

2.99%

Transfer fee

24.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

3 months promotional purchase offer
30 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 20 months

Balance transfers

0% for 20 months

May suit

0% purchase spending
Balance transfers
Rewards

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money All Round Credit Card

0% Purchases

Balance Transfer

Rewards

20 months at 0%

Balance Transfer

2.95%

Transfer fee

27.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: Virgin Money Cashback
Eligibility check:: Soft eligibility check available

Up to 20 months at 0% on purchases
Up to 20 months at 0% on balance transfers
2.95% balance-transfer fee
Virgin Money Cashback offers

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

27.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 36 months

May suit

0% purchase spending
Balance transfers

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Virgin Money

Virgin Money Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

36 months at 0%

Balance Transfer

Not stated*

Transfer fee

27.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 36 months at 0% on balance transfers
3 months at 0% on purchases
Transfer up to 95% of credit limit
Eligibility checker uses a soft search

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

29.8%

RepresentativeAPR

Not publicly stated / not verified

Annual fee

Introductory offers

Purchases

0% for 15 months

Balance transfers

0% for 15 months

May suit

0% purchase spending
Balance transfers
Rewards

15 months promotional purchase offer
15 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Santander UK

Santander All in One Credit Card

0% Purchases

Balance Transfer

Rewards

15 months at 0%

Balance Transfer

0% fee

Transfer fee

29.8%

Representative APR

Not publicly stated / not verified

Annual Fee

May suit

0% purchase spending
Balance transfers
Rewards

Rewards / Cashback:: 0.5% cashback, capped at £10/month
Eligibility check:: Soft eligibility check available
Overseas spending:: Fee-free overseas spending

15 months promotional purchase offer
15 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

33.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

10 August 2026

Provider information

Verified

Barclaycard

Barclaycard Forward Credit Card

Credit Builder

0% Purchases

Balance Transfer

6 months at 0%

Balance Transfer

2.9%

Transfer fee

33.9%

Representative APR

£0

Annual Fee

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 10 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Fluid

Fluid Balance Transfer Credit Card

Credit Builder

Balance Transfer

No Annual Fee

Building credit

34.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

None

Balance transfers

0% for 9 months

May suit

Building or rebuilding credit
Balance transfers

Up to 9 months at 0% on balance transfers
3% balance-transfer fee
Transfers within 60 days
Up to 90% of available credit limit transferable

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

1 August 2026

Provider information

Verified

Fluid

Fluid Balance Transfer Credit Card

Credit Builder

Balance Transfer

No Annual Fee

9 months at 0%

Balance Transfer

Transfer fee

34.9%

Representative APR

£0

Annual Fee

May suit

Building or rebuilding credit
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 9 months at 0% on balance transfers
3% balance-transfer fee
Transfers within 60 days
Up to 90% of available credit limit transferable

Product details last checked: 1 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

Building credit

35.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 3 months

Balance transfers

0% for 19 months

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Vanquis Balance Transfer Card

Vanquis Balance Transfer Credit Card

Credit Builder

0% Purchases

Balance Transfer

19 months at 0%

Balance Transfer

3.9%

Transfer fee

35.9%

Representative APR

£0

Annual Fee

May suit

Building or rebuilding credit
0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

Up to 19 months at 0% on balance transfers
Up to 3.9% balance-transfer fee
3 months at 0% on purchases
Eligibility check with no credit-score impact

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

39.9%

RepresentativeAPR

£0

Annual fee

Introductory offers

Purchases

0% for 6 months

Balance transfers

0% for 6 months

May suit

0% purchase spending
Balance transfers

6 months promotional purchase offer
6 months promotional balance-transfer offer

Check your eligibility

Soft check available — full application may use a hard search.

Last checked

21 August 2026

Provider information

Verified

Thimbl

Thimbl Balance Transfer Credit Card

0% Purchases

Balance Transfer

No Annual Fee

6 months at 0%

Balance Transfer

Transfer fee

39.9%

Representative APR

£0

Annual Fee

May suit

0% purchase spending
Balance transfers

Rewards / Cashback:: None
Eligibility check:: Soft eligibility check available

6 months promotional purchase offer
6 months promotional balance-transfer offer

Product details last checked: 21 August 2026

Check your eligibility

Soft check available — full application may use a hard search.

Eligibility

Who typically qualifies?

Credit card approvals depend on creditworthiness and affordability. Some providers offer a soft eligibility check before a full application.

Usually required

Aged 18 or over
UK resident
Verifiable regular income
UK bank or current account
Ability to afford repayments
Identity and address verification

What lenders may assess

Credit history
Income and expenditure
Existing borrowing
Electoral-roll information
Recent credit applications
Employment status
Existing relationship with the provider

Meeting typical conditions does not guarantee acceptance. The provider assesses affordability and creditworthiness and may offer different terms or a different credit limit.

A soft eligibility check is usually visible only on your credit file and generally will not affect your credit score. A full application may involve a hard credit search that other lenders can see.

Not sure whether a balance transfer will save you money?

Use the Debt Payoff Calculator to see how different monthly payments could affect your estimated payoff time and interest.

Try the Debt Payoff Calculator

Guide

What is a balance transfer?

A balance transfer moves debt from one or more credit cards onto a new card, often at 0% interest for a limited time. Providers usually charge a transfer fee as a percentage of the amount moved.

The aim is to reduce interest while you repay the balance. The fee and the length of the promotional period determine whether the move is worthwhile.

Costs

How much do balance transfers cost?

Most UK balance-transfer offers charge a transfer fee as a percentage of the amount moved. Some also set a minimum fee. The fee is typically added to the transferred balance.

What usually counts

Transfer-fee percentage on the amount moved
Any minimum fee stated in the product terms
Whether the fee is added to the new balance

Illustrative example

A 3% transfer fee on £3,000 would be £90. This is a worked example only — not a quote for any specific card. Always check the fee on the product you are considering.

Period length

How long should your 0% period be?

Do not treat the longest 0% deal as “best” without checking the fee, APR after the offer, and your expected payoff date.

After the offer

What happens when the 0% period ends?

Missing a repayment or breaking offer terms can end the 0% rate early. Always confirm current wording with the provider.

Restrictions

Can you transfer between cards from the same provider?

Before you apply

What should you compare before applying?

Look beyond the headline months. Transfer fee, representative APR after the offer, annual fees and transfer restrictions all affect total cost.

0% transfer period

How long transferred debt remains interest-free if you keep to the terms.

Transfer fee

Usually a percentage of the amount moved — and sometimes a minimum fee.

Representative APR

The rate that may apply after the promotional period ends.

Annual fee

A fee can reduce the benefit of a longer 0% transfer offer.

Transfer restrictions

Some providers limit transfers from cards in the same bank or group.

Eligibility and deadlines

Approval is subject to status. Transfer windows and cut-off dates can apply.

You can also compare 0% purchase cards, browse all credit cards, or estimate repayments with the Debt Payoff Calculator.

FAQs

Frequently asked questions

Plain answers on transfer fees, 0% periods, eligibility and what happens when an offer ends.

Written by

Teresa Mary

Chief Finance Editor

Teresa leads WiT Money’s financial editorial content, helping ensure guides, comparisons and tools are clear, accurate and useful for UK consumers and businesses.

Last updated 10 August 2026

View Teresa Mary’s profile

Questions or updates

If you spot something that needs correcting or want to contact our editorial team, get in touch.

contact@witfinancegroup.com →

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