0% Balance Transfer Credit Cards

  • Transfer your existing balance to a 0% balance transfer card below.
  • Compare the longest balance transfer periods which now stretch over 3 years!
  • There are 39 out of 84 cards matching this search.
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aqua Classic Credit Card
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  • 29.7% APR (Variable)
  • Start with a credit limit of £250-£1,200 and you could get an increase on your 4th statement
  • Free unlimited access to your credit report
  • Text reminders, so you need never miss a payment
Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.71% (variable), representative 29.7% APR (variable). Credit available subject to status.

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  • Halifax 43 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 43 months
    (2.98% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Halifax

    Benefits

      • 0% interest for 43 months on balances transferred within the first 90 days after your account is opened. 2.98% fee applies on each balance transfer, an initial 3.5% fee applies with a refund of 0.52% within 90 days, so the effective fee is 2.98%. Also 6 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3.5% fee applies with a refund of 0.52% within 90 days, so the effective fee is 2.98% (Terms and conditions apply).

  • Sainsbury's Bank 42 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 42 months
    (2.3% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • 4% balance transfer fee refunded to 2.30% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).
    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 3,000 Bonus Nectar points when you transfer at least £1,000 in the first month from account opening. Offer extended to 28th February 2017.
      • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's stores in the first month from account opening. Ends 26th March 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 3,000 Bonus Nectar points when you transfer at least £1,000 in the first month from account opening. Offer extended to 28th February 2017
    • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's stores in the first month from account opening. Ends 26th March 2017
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. 4% balance transfer fee refunded to 2.30% on transfers made in the first 3 months. (3% thereafter, £3 fee minimum at all times).

  • Lloyds Bank Platinum 42 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 42 months
    (2.3% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Lloyds Bank

    Benefits

      • 0% interest for 42 months on balances transferred within the first 90 days after your account is opened. 2.30% fee applies on each balance transfer, an initial 3% fee applies with a refund of 0.70% within 90 days, so the effective fee is 2.30%. Also 6 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking service.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a refund of 0.70% within 90 days, so the effective fee is 2.30% (Terms and conditions apply).

  • Santander All in One Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (0% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    21.7% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Annual fee
      £36
    • Min Credit
      £500
    • Provider
      Santander

    Benefits

      • 0% on balance transfers for 41 months from date of account opening (0% fee applies).
      • 0% on purchases for 6 months from date of account opening.
      • 0.5% cashback on all of your purchases with no limits or caps.
      • No foreign transaction fee on purchases or cash withdrawals in the local currency when you're abroad.
      • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • The annual fee is broken down into monthly payments of £3.
    • Min Income
      £7,500
    • Min Age
      18
    • Visit Website
    • 0.5% cashback on all of your purchases with no limits or caps
    • Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

  • Bank of Scotland Platinum 41 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (1.9% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Bank of Scotland

    Benefits

      • 0% interest for 41 months on balances transferred within the first 90 days after your account is opened. 1.90% fee applies on each balance transfer, an initial 3% fee applies with a refund of 1.10% within 90 days, so the effective fee is 1.90%. Also 6 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking service.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. An initial 3% fee applies with a refund of 1.10% within 90 days, so the effective fee is 1.90% (Terms and conditions apply).

  • Virgin 41 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (3% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    20.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Contactless payment for items up to £30.
      • Choose from a range of different card designs.
    • Provider
      Virgin Money

    Benefits

      • 0% for 41 months on balance transfers, with a fee of 3.00%, 0% for 41 months on money transfers, with a fee of 3.79%, 0% for 3 months on card purchases.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident and hold a UK bank/building society account.
      • You must have good credit history.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

  • Post Office Money Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (3.25% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £1,000
    • Provider
      Post Office

    Benefits

      • 0% on balance transfers for the first 41 months. A balance transfer fee of 3.25% applies and transfers must be made within 3 months of account opening.
      • 0% on all purchases for the first 3 months.
      • No cash fee when you purchase Post Office Travel Money.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • AA Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 41 months
    (3.25% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £1,000
    • Provider
      AA

    Benefits

      • 0% for 41 months on balance transfers is only available on transfers made within the first 3 months of account opening. 3.25% fee applies.
      • 0% for 3 months on purchases is only available if a transaction is made within the first 3 months of account opening.
      • Manage your card on the go with the AA Credit Card mobile servicing app.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must have a good credit rating to apply
      • AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
    • Min Income
      £8,000
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Sainsbury's Bank Nectar 40 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 40 months
    (1.78% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Reduced Balance Transfer fee made by a partial refund of an initial 2.89% balance transfer fee. Terms and conditions apply.
    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
      • You'll need to enter your Nectar card number when you apply.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholders only - You'll pay a 2.89% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 1.11%, so the overall fee is 1.78%. 3% balance transfer fee applies afterwards (minimum £3 at all times).

  • Virgin 40 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 40 months
    (1.79% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    20.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Contactless payment for items up to £30.
      • Choose from a range of different card designs.
    • Provider
      Virgin Money

    Benefits

      • 0% for 40 months on balance transfers, with a fee of 1.79%, 0% for 40 months on money transfers, with a fee of 3.89%, 0% for 3 months on card purchases.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident and hold a UK bank/building society account.
      • You must have good credit history.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

  • Barclaycard Platinum 37 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 37 months
    (1.4% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      Barclaycard

    Benefits

      • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
      • Contactless payment for items up to £30.
      • Instant online decision available.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 1.40% by a refund (Terms and conditions apply).

  • Virgin 36 Month Money Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 36 months
    (2.69% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    20.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Contactless payment for items up to £30.
      • Choose from a range of different card designs.
    • Provider
      Virgin Money

    Benefits

      • 0% for 36 months on balance transfers, with a fee of 2.69%, 0% for 36 months on money transfers, with a fee of 2.69%, 0% for 3 months on card purchases.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident and hold a UK bank/building society account.
      • You must have good credit history.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 20.9% (variable), representative 20.9% APR (variable). Credit available subject to status.

  • Sainsbury's Bank 35 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 35 months
    (1.5% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017.
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. 3% balance transfer fee afterwards (minimum £3 at all times).

  • Sainsbury's Bank Nectar 33 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 33 months
    (0.62% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
      • You'll need to enter your Nectar card number when you apply.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. Nectar cardholder exclusive. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.88% so the overall fee is 0.62%. 3% balance transfer fee afterwards (minimum £3 at all times).

  • Sainsbury's Bank 33 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 33 months
    (0.69% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Provider
      Sainsbury's Bank

    Benefits

      • Interest rate and credit limit are subject to status.
      • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017.
      • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere.
      • If your application is approved you are guaranteed to get the 0% interest period advertised.
      • No annual fee.

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident.
      • You must not be an existing Sainsbury's Bank Credit Card customer.
    • Min Age
      18
    • Visit Website
    • 5,000 bonus Nectar points - spend at least £250 in a Sainsbury's store in the first month from account opening. Ends 26th March 2017
    • 2 Nectar points per £1 spend on Sainsbury's shopping or fuel. 1 Nectar point per £5 spent elsewhere
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status. You'll pay a 1.5% fee to transfer a balance to this card in the first 3 months. Sainsbury's will then refund 0.81% so the overall fee is 0.69%. 3% balance transfer fee afterwards (minimum £3 at all times).

  • Barclaycard Platinum 32 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 32 months
    (0.6% fee)
  • New Purchases Offer
    0% Fixed
    For 6 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £250
    • Provider
      Barclaycard

    Benefits

      • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
      • Contactless payment for items up to £30.
      • Instant online decision available.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status. A fee of 3.5% will be applied, then reduced to 0.60% by a refund. (Terms and conditions apply)

  • Virgin 32 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 32 months
    (0.6% fee)
  • New Purchases Offer
    0% Fixed
    For 3 months
  • Representative APR
    19.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

      • Contactless payment for items up to £30.
      • Choose from a range of different card designs.
    • Provider
      Virgin Money

    Benefits

      • 0% for 32 months on balance transfers, with a fee of 0.60% (5% after introductory period), 0% for 32 months on money transfers, with a fee of 4% (5% after introductory period), 0% for 3 months on card purchases.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must be a UK resident and hold a UK bank/building society account.
      • You must have good credit history.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), representative 19.9% APR (variable). Credit available subject to status.

  • Halifax 32 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 32 months
    (0.7% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Halifax

    Benefits

      • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening (Terms apply). Offer ends 31st March 2017.
      • 0% interest for 32 months on balances transferred within the first 90 days after your account is opened. 0.70% fee applies on each balance transfer. Also 12 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.

    Before you Continue...

    • You must be at least 18 years old to apply.
    • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening (Terms apply). Offer ends 31st March 2017
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Bank of Scotland Platinum 32 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 32 months
    (0.8% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Bank of Scotland

    Benefits

      • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening (Terms apply). Offer ends 31st March 2017.
      • 0% interest for 32 months on balances transferred within the first 90 days after your account is opened. 0.80% fee applies on each balance transfer,
      • also 12 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening (Terms apply). Offer ends 31st March 2017
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

  • Lloyds Bank Platinum 32 Month Balance Transfer Credit Card

  • Balance Transfers Offer
    0% Fixed
    For 32 months
    (0.8% fee)
  • New Purchases Offer
    0% Fixed
    For 12 months
  • Representative APR
    18.9% APR
    (Variable)
  • More Info + Details
  • Additional Information

    • Min Credit
      £500
    • Provider
      Lloyds Bank

    Benefits

      • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening (Terms apply). Offer ends 31st March 2017.
      • 0% interest for 32 months on balances transferred within the first 90 days after your account is opened. 0.80% fee applies on each balance transfer. Also 12 months at 0% on purchases.
      • Manage your card online using Online Banking and Mobile Banking service.
      • Fraud protection.
      • Faster payments to your card giving more flexibility and control.
    • Contactless Payment
      Contactless payment for items up to £30

    Before you Continue...

    • You must be at least 18 years old to apply.
    • You will be paid £20 cashback on your first balance transfer made within the first 90 days of account opening (Terms apply). Offer ends 31st March 2017
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.94% (variable), representative 18.9% APR (variable). Credit available subject to status.

0% Balance Transfers Guide

Balance transfer deals give savvy credit card users the chance to access huge savings by banishing unwanted interest charges. By shifting your balance from an existing card to a 0% balance card, you can take advantage of low-interest rates - saving you hundreds or even thousands of pounds when repaying debt.

Because 0% balance cards allow you to pay back money at a lower rate, transfers often mean that you can pay off debt faster. Just keep in mind that you'll need to pay a small fee to switch your debt over in the first place. Fortunately, most fees are between 2.5% and 3%, a comparatively small price to pay for a faster route to a debt-free life.

How Long Does a 0% Balance Transfer Take?

In many cases, transferring to a 0% card will only take a few days. However, depending on the provider you choose, you might find that you're waiting for up to two weeks before your new card is delivered in the mail, followed by another week's wait to make the transfer.

Do I Have to Pay a Monthly Minimum?

While 0% deals can be an excellent solution for thrifty consumers, they don't mean you can avoid making any regular payments. You'll still be expected to make at least the minimum monthly payments on your debt - otherwise, you could end up facing significant penalties, or even lose your 0% deal.

When is the Best Time to Apply for a Balance Transfer?

To get the most from a 0% balance transfer, it's a good idea to apply for the switch at least three weeks before you need to pay off the balance on your old card. Keep in mind you may be required to transfer all debts within a month or two of opening the new card.

Can Money Be Transferred to My Bank Account?

Usually, 0% balance transfer credit cards should allow you to send money to your bank account with a 0% interest rate for an introductory period of a certain number of months depending on the provider.

How Much Money Can I Transfer?

Depending on the provider you choose you will be allowed to transfer a specific percentage of your credit limit, usually within the region of 90 to 95%. For example, if your credit limit is £5,000, you would be able to use £4,500 towards your balance transfers.

How Can I Repay a 0% Balance Transfer?

Most of the time, the best way to manage your debt is to create a direct debit. If you move a balance of £4,500 over to your 0% card, you could set up a direct debit for £150 a month that hopefully leaves you debt-free by the time the 0% interest rate offer expires. If you can't repay your debt by the end of the offer, you could start to rack up standard-rate interest again.

What Will My Credit Limit Be?

Following your application for a 0% card, your chosen provider should give you an insight into what your credit limit will be. It will be dependent on your circumstances as well as the provider you choose. Remember, while you might receive a sizeable credit limit on your new card, you might not pay the same rate for new purchases as you do for the initial transfer of debt. For instance, you may receive a 0% interest deal on all balance transfers for 37 months, but still be required to pay 16% interest on purchases.

Does My Credit Record Matter?

Yes. Your lender will decide your eligibility for a balance transfer, as well as credit limits and APR based on your credit record. Often, the top deals are only available to those with a clean credit record.

Helpful links for credit card issues

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

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