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Balance transfer credit cards

Save money by paying less interest on your outstanding balance when you choose one of our balance transfer credit cards.

Choose the right balance transfer credit card for you

  • Check if you’ll be accepted, without affecting your credit score

  • Get an answer in 60 seconds, with no commitment to apply

  • 0% interest on balance transfers for up to 12 months

Save money with our balance transfer credit cards

Check if you're eligible

Our best balance transfer credit card deal

  • 0% interest on balance transfers for 12 months
  • 2.9% balance transfer fee
  • Pay no interest on purchases for 3 months
  • Up to £6,000 credit limit
  • Save money by transferring higher rate credit card balances

    24.9% APR representative variable

Representative example: assuming a credit limit of £1,200 and an interest rate on purchases of 24.93% p.a. variable, you will receive a 24.9% APR representative variable.

  • Set your own free alerts

    Get text and email reminders when a payment is due or you're close to your limit.

  • Easy payments with Direct Debit

    Choose to make your monthly payments on a date that suits you when you pay by Direct Debit.

  • 24/7 customer support

    If you ever need help we're only a call away, 24 hours a day all year round.

  • Stay in control on the go

    Our mobile app lets you track your spending and make secure payments anytime, anywhere.

Check if you're eligible

A balance transfer credit card for people with lower credit scores

  • 0% interest on balance transfers for 6 months
  • 3.0% balance transfer fee
  • Know if you'll be accepted without affecting your credit score
  • Up to £1,500 credit limit

    34.9% APR representative variable

Representative example: assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

How a balance transfer credit card works

A balance transfer credit card lets you move an existing balance from one credit card to another.

They usually come with lower interest rates than regular credit cards, and can offer 0% interest for a fixed number of months when you first get the card.

The lower your interest rate, the less interest you pay – so a balance transfer credit card could help you save money and pay your balance off sooner. Especially if you plan to pay off your balance before the 0% interest offers ends.

Just remember to always pay at least the minimum payment each month to keep your account up to date. Paying more than the minimum will help you clear your balance quicker.

5 things you should know about balance transfer credit cards