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Balance Transfer

Best Balance Transfer credit cards in United Kingdom

Balance transfer credit cards in United Kingdom let you move a balance from another card, usually at a promotional rate for a set period.

*a card is filed here when the issuer names it as a balance-transfer product, or offers a 0% introductory rate on balance transfers for a stated period โ€” quoted from the issuer's own page in a sentence about this card, as reported by the issuer in a CFPB survey period that ended within the last seven months (US), or as published in the bank's Consumer Data Right product data (Australia). Only a card filed on a quoted line or a regulator's record is re-read: we keep that quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports). A card filed by its name stays while its name says balance transfer. Promotional rates, periods and transfer fees change often, so confirm them on the issuer's page.

42
Balance Transfer cards filed
The ledger

All Balance Transfer cards in United Kingdom

42 cards
Santander UKโ„– 1

All in One Credit Card

Mastercard issued by Santander UK.

Balance TransferCash Back
Annual feeยฃ3/monthยฃ36/yr
Top earn rateNot confirmed
Ulster Bankโ„– 4

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Royal Bank Of Scotlandโ„– 5

Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Tesco Bankโ„– 6

Balance Transfer Credit Card

Mastercard issued by Tesco Bank.

Balance TransferGas & Fuel
Annual feeNot confirmed
Top earn rateNot confirmed
Nationwide Building Societyโ„– 7

Balance Transfer Credit Card

With introductory offers of 0% interest on balance transfers for 30 months and 0% interest on purchases for 3 months.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Lloyds Bankโ„– 8

Balance Transfer Credit Card

Visa card issued by Lloyds Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Co Operative Bankโ„– 9

Balance Transfer Credit Card

Visa card issued by Co Operative Bank.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Barclaycardโ„– 10

Barclaycard Forward

Credit card issued by Barclaycard.

Balance TransferCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Santander UKโ„– 18

Everyday No Balance Transfer Fee Credit Card

Take control with 0% interest on balance transfers for 12 months

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
HSBC UKโ„– 22

HSBC Purchase Plus Credit Card

Visa card issued by HSBC UK.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
HSBC UKโ„– 23

HSBC Rewards Credit Card

Mastercard issued by HSBC UK.

Balance TransferPoints
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bankโ„– 24

Longer Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Royal Bank Of Scotlandโ„– 25

Longer Balance Transfer Credit Card

Mastercard issued by Royal Bank Of Scotland.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Marks & Spencer (M&S) Bankโ„– 27

M&S Credit Card Purchase Plus

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Marks & Spencer (M&S) Bankโ„– 28

M&S Credit Card Transfer Plus

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Marks & Spencer (M&S) Bankโ„– 29

M&S Rewards Credit Card

Mastercard issued by Marks & Spencer (M&S) Bank.

Balance TransferRewards
Annual feeNot confirmed
Top earn rateNot confirmed
NatWestโ„– 31

NatWest Balance Transfer Credit Card

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Capital One UKโ„– 34

Post Office Credit Card

Credit card issued by Capital One UK.

Balance Transfer0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
Ulster Bankโ„– 35

Purchase & Balance Transfer Card

Credit card issued by Ulster Bank.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Royal Bank Of Scotlandโ„– 36

Purchase & Balance Transfer Credit Card

Mastercard issued by Royal Bank Of Scotland.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Nationwide Building Societyโ„– 37

Purchase and Balance Transfer Credit Card

With introductory offers of 0% interest on purchases and balance transfers for 15 months.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Santander UKโ„– 38

Santander World Eliteโ„ข Mastercardยฎ

If youโ€™re a Santander Select or Santander Private banking customer, you may be eligible for ยฃ90 cashback when you open a Santander World Elite Mastercard credit card during the offer period starting 26 March 2026.

Balance TransferLounge Access
Annual feeยฃ15/monthยฃ180/yr
Top earn rateNot confirmed
Vanquis Banking Groupโ„– 40

Vanquis Balance Transfer Credit Card

Visa card issued by Vanquis Banking Group.

Balance TransferLow Interest
Annual feeยฃ0per year
Top earn rateNot confirmed
Virgin Moneyโ„– 42

Virgin Money Balance Transfer Credit Card

Get 0% interest on balance transfers for up to 36 months. Fees and terms apply.

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best balance transfer credit card in United Kingdom?

The best balance transfer card in United Kingdom depends on your spending and goals. We list every balance transfer card we hold โ€” 42 in total โ€” with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a balance transfer credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a balance transfer card with other cards?

Yes. Many people pair a balance transfer card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these balance transfer card details are current?

Each card's review page marks every figure it prints: โ€œCheckedโ€ with the month (and a link to the published document where we hold its address), or โ€œNot yet checkedโ€ with the issuer where no check is on record โ€” and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked โ€œNot published by the issuer where we checkedโ€ or โ€œIssuer restricts access โ€” check their siteโ€. The date beside โ€œAnnual fee checkedโ€ covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.