Overlay
Credit cards

Compare our 0% balance transfer credit cards

Pick from one of our balance transfer credit card offers

You could save money on balance transfers and purchases with one of our balance transfer credit cards.

Purchase & Balance Transfer card

Good for - paying off purchases and balances

0% for 20 months from account opening on purchases, after which standard rates apply

0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

1.99% balance transfer fee applies

 

Representative example

 

Purchase rate: 21.9% p.a (variable)
Representative APR: 21.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Balance Transfer credit card

Good for - no fee to transfer a balance

0% for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

No fee to transfer a balance to this credit card

0% on purchases for 3 months from account opening, after which standard rates apply

Representative example

 

Purchase rate: 21.9% p.a (variable)
Representative APR: 21.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

What you should know about balance transfers

Calculate your repayments

See the monthly repayments needed to pay off your balance in full before the 0% offer ends.

A simple example to help you calculate

In this example, we'll show you how much you would need to repay if you transferred £4,400 to our Purchase & Balance Transfer Card.

Check the fee

First, you'll need to make a note of the fee to transfer a balance (if there is one). In this example, there is a 1.99% fee.

Calculate

Next, divide £4,400 by 100, then times by 1.99. In this example, the fee will be £87.56. So, the total amount you'll owe including the fee is £4,487.56.

Repay

Lastly, divide £4,487.56 by 20 (the offer period). This means you'll need to repay £224.37 per month to pay off the card before the 0% offer period ends.

Purchase & Balance Transfer card

Good for - paying off purchases and balances

Balance Transfer credit card

Good for - no fee to transfer a balance