0% Balance transfer credit cards

Easy Comparison of every UK Credit Card - If you need to Transfer a Balance or compare your credit card then here is our unbiased list of 0% balance transfer Credit Cards listing the charges and offers if any.
Cards with SBT facility

Unlimited Fees Profit is based on a balance transfer of £10,000 and a savings rate of 3.01 AER
Change them here to see new figures
Card Fee min pay 0% APR Notes Profit
Barclaycard Platinum Extended BT

example

3.20%2.25%2417.9% representative £58.57
HSBC

example

3.30%2.50%2317.9% representative Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500 £26.60
Halifax BT card

example

3.50%1.00%2217.9% representative Min income £20K £51.92
First Direct Gold

example

2.90%3.00%2016.9% representative Need to be a First Direct '1st Account' holder £16.17
NatWest Platinum

example

2.90%1.00%2017.9% representative Min £10K income. £78.32
Virgin Balance Transfer Card

example

2.99%1.00%2016.8% representative £69.28
Halifax 20 month BT Card

example

3.00%1.00%2016.9% representative Min income £20K £68.28
RBS Platinum

example

3.20%1.00%2017.9% representative Min £10K income. £48.21
Bank of Scotland Plus

example

3.00%1.00%1816.9% representative £33.91
Nationwide Select Credit Card

example

2.95%1.00%1712.9% representative Must be a 'main account' customer. See T&Cs £21.55
Nationwide Credit Card

example

2.95%1.00%1715.9% representative £5K min income. £21.55
Halifax 17 month BT card

example

3.00%1.00%1716.9% representative £16.54
Santander Credit Card

example

3.00%1.00%1717.9% representative £16.54
Platinum Low BT Fee Card

example

1.60%2.25%1618.9% representative Fee discounted from 2.1% to 1.6%. T&Cs apply, see website £113.08
Virgin All Round Card

example

1.99%1.00%1615.8% representative Money transfer fee 4% £100.26
AA Balance Transfer Card

example

2.90%1.00%1617.9% representative £9.05
Yorkshire Bank Gold

example

3.00%1.00%1616.9% representative Must be a YB customer £-0.97
Clydesdale Bank Gold

example

3.00%1.00%1616.9% representative Must be a CB customer £-0.97
Sainsbury's Nectar Credit Card

example

3.00%2.25%1516.9% representative Must have swiped your Nectar card in store in the last 6 months. £-42.14
Halifax All In One Card

example

3.00%1.00%1517.9% representative Most applicants will get 15 months 0%. Others will get 13 or 11 months 0%. £-18.61
LTSB Platinum

example

3.00%1.00%1517.9% representative £-18.61
Barclaycard Platinum Purchase

example

2.90%2.25%1418.9% representative £-46.93
Post Office Platinum

example

2.98%2.50%1416.9% representative Min salary £20K. Two anniversary offers. £-58.84
Post Office Classic

example

2.98%2.50%1419.9% representative Min salary £8K. Two anniversary offers. £-58.84
NatWest Platinum Special Offer

example

1.00%1.00%1317.9% representative Min £10K income £146.02
RBS Platinum Special Offer

example

1.00%1.00%1317.9% representative Min £10K income. Online offer only £146.02
Virgin Purchase Card

example

2.89%1.00%1318.9% representative £-43.27
BT Credit Card

example

3.00%1.00%1316.9% representative ** Money transfer (SBT) fee is now 4% ** £-54.29
Asda Reward Card

example

2.99%1.00%1216.8% representative £-71.33
Debenhams

example

2.99%1.00%1219.9% representative £-71.33
bmi American Express

example

3.00%1.00%1216.9% representative ** Money transfer (SBT) fee is now 4% ** £-72.33
Sainsbury's Credit Card

example

3.00%2.25%1216.9% representative £-87.56
RSPCA Card

example

3.00%1.00%1216.9% representative ** Money transfer (SBT) fee is now 4% ** £-72.33
AA Rewards Card

example

3.00%1.00%1216.9% representative transferred within the first 90 days of your account opening £-72.33
BOS All In One Card

example

3.00%1.00%1217.9% representative Qualifying current account customers get 13 months 0% £-72.33
Barclaycard Breathe

example

3.00%2.25%1016.9% representative Max BT £5K £-119.42
Tesco Clubcard

example

2.90%1.00%916.9% representative £-117.28
BOI Mastercard Gold

example

2.98%2.50%916.9% representative Min salary £15K £-135.49
Saga Platinum

example

3.00%3.00%911.9% representative Age 50+ only £-140.74
Play.com

example

1.50%1.00%616.9% representative ** Money transfer (SBT) fee is now 4% ** £-33.48
Virgin Atlantic 'White'

example

2.00%1.00%617.9% representative Low minimum payments during intro offer £-83.49
John Lewis

example

2.50%3.00%616.9% representative £-139.30
BOI Ulster Rugby Card

example

2.98%2.50%617.9% representative Some issues, see forum £-185.91
BOI Moneyback

example

2.98%2.50%617.9% representative £-185.91
LTSB Avios Duo

example

3.00%1.00%615.9% representative £-183.52
Co-op Members' Card

example

3.00%2.00%615.9% representative Min salary £10K £-186.47
Co-op Affinity Standard

example

3.00%2.00%618.9% representative Various causes. £-186.47

Table | 0% Balance transfer credit cards | Profit column based on standard tax and a £10,000 transfer. Click the figure to adjust to your personal preferences.

MBNA Credit Cards acceptance criteria

You are currently employed

You are over 23 years of age

You are a homeowner

You have an income of over £20,000

You do not have any recent credit defaults (CCJ's, current arrears or missed payments) on credit cards / loans / mortgages

You are a resident in the UK and can prove residential addresses for the past two years

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