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

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Cards with No Fees
Card Fee Max min pay 0% APR Notes Profit
Santander Zero Fee-Free SpecialNo feeN/A2.25%618.9% Must hold a Santander branded (inc A&L) current account or mortgage £105.17
Apply for A Santander current account and get £100 cashback
Unlimited Fees Profit is based on a balance transfer of £1000 and a savings rate of 2.80 AER
Change them here to see new figures

Card Fee Max min pay 0% APR Notes Profit
Barclaycard Platinum with BT2.90%Open2.25%1616.9% Max BT is 90% of credit limit. 0% until June 2011 £-36.67
RBS Platinum2.90%Open2.25%1616.9% Min £10K income £-36.67
NatWest Platinum2.90%Open2.25%1616.9% Min £10K income £-36.67
Yorkshire Bank Gold3.00%Open2.50%1616.9% Must be a YB customer £-51.34
Clydesdale Bank Gold3.00%Open2.50%1616.9% Must be a CB customer £-51.34
HSBC2.90%Open2.50%1516.9% Need to be a HSBC account holder and pay in £500 per month. Min salary £8,500 £-54.27
First Direct Gold2.90%Open3.00%1516.9% Need to be a First Direct '1st Account' holder £-62.21
Nationwide Gold Card3.00%Open3.00%1516.9% Can only ever have one 0% introductory offer. £25K min income. £-72.26
Halifax Rewards Card - BTs3.00%Open1.00%1516.9% Must already have, or open, a Halifax current account £-38.32
Virgin Money Card2.98%Open1.00%1416.6% ** Money transfer (SBT) fee is now 4% ** £-52.82
MBNA Platinum Plus Visa1.90%Open1.00%1316.9% 1.9% fee for money transfers £38.70
MBNA Platinum Visa2.90%Open1.00%1316.9% ** Money transfer (SBT) fee is now 4% ** £-61.44
MBNA Platinum Rewards2.90%Open1.00%1316.9% ** Money transfer (SBT) fee is now 4% ** £-61.44
Halifax Plus3.00%Open1.00%1316.9% £-71.45
Santander Credit Card3.00%Open2.25%1316.9% Min payments are largest of 2.25% or fees + £5, phone app only 0800 022 3307 £-88.04
Egg Card3.00%Open2.00%1317.9% £-84.84
Barclaycard Platinum Purchase2.90%Open2.25%1216.9% £-92.36
Post Office Platinum2.98%Open2.50%1216.9% Min salary £20K. Two anniversary offers. £-103.08
Virgin Money BT/Purchase Card2.98%Open1.00%1218.9% £-86.21
Post Office Classic2.98%Open2.50%1219.9% Min salary £8K. Two anniversary offers. £-103.08
Asda Reward Card2.99%Open3.00%1216.8% £-109.34
PayPal Mastercard2.99%Open5.00%1217.9% £-128.72
Debenhams2.99%Open4.00%1219.9% £-119.35
LTSB Platinum3.00%Open2.00%1215.9% Must make min £100 purchase, & BT within first 6 weeks. £-99.65
Sainsbury's (Nectar Cardholder)3.00%Open2.25%1215.9% Must have swiped your Nectar card in store in the last 6 months. £-102.39
bmi American Express3.00%Open1.00%1216.9% ** Money transfer (SBT) fee is now 4% ** £-88.22
Sonycard3.00%Open1.00%1216.9% ** Money transfer (SBT) fee is now 4% ** £-88.22
Breast Cancer3.00%Open1.00%1216.9% ** Money transfer (SBT) fee is now 4% ** £-88.22
ICICI Rewards Card3.00%Open1.00%1216.9% ** Money transfer (SBT) fee is now 4% ** £-88.22
Norwich & Peterborough Card3.00%Open1.00%1216.9% ** Money transfer (SBT) fee is now 4% ** £-88.22
Halifax All In One Card3.00%Open1.00%1015.9% £-122.14
BOS All In One Card3.00%Open1.00%1015.9% £-122.14
Barclaycard Breathe3.00%Open2.25%1016.9% Max BT £5K £-131.99
BT Credit Card3.00%Open1.00%1016.9% ** Money transfer (SBT) fee is now 4% ** £-122.14
Tesco Clubcard2.90%Open3.00%916.9% £-141.80
BOI Mastercard Gold2.98%Open3.00%916.9% Min salary £15K £-149.81
Saga Platinum3.00%Open3.00%911.9% Age 50+ only £-151.82
Sainsbury's (No Nectar Card)3.00%Open2.25%915.9% £-147.26
Halifax Rewards Card - Purchases3.00%Open1.00%915.9% Must already have, or open, a Halifax current account £-139.29
Halifax Charity Card3.00%Open1.00%916.9% £-139.29
BOS Union Card3.00%Open1.00%917.9% £-139.29
The AA Card3.00%Open1.00%918.9% transferred within the first 90 days of your account opening £-139.29
Play.com1.50%Open1.00%616.9% ** Money transfer (SBT) fee is now 4% ** £-41.55
Virgin Atlantic 'White'2.00%Open1.00%617.9% Low minimum payments during intro offer £-91.56
John Lewis2.50%Open3.00%616.9% £-146.97
Marks & Spencer2.90%Open2.50%615.9% 10 month 0% SBT via Sterling travellers cheques. 1% fee. See 'M&S Travel Money' £-185.67
BOI Ulster Rugby Card2.98%Open3.00%617.9% Some issues, see forum £-195.01
BOI Moneyback2.98%Open3.00%617.9% £-195.01
LTSB Airmiles Duo3.00%Open2.00%615.9% Must make min £100 purchase, & BT within first 6 weeks £-194.34
Co-op Members' Card3.00%Open2.00%615.9% Min salary £10K £-194.34
Co-op Affinity Platinum3.00%Open2.00%616.9% Min salary £25K. Various causes £-194.34
Co-op Affinity Standard3.00%Open2.00%618.9% Various causes. £-194.34
GM Card2.90%Open2.00%514.9% £-201.14

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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