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Credit Cards - Balance Transfer

Move existing credit card balances. Pay 0% interest on a new card.

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aqua 0% Balance Transfer

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

marbles 0% Balance Transfer

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

marbles Classic

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 29.75% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.

Representative Example: 29.75% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.

opus Classic

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

Representative Example: 34.95% standard purchase rate p.a (variable). Representative 34.9% APR (variable). Based on credit limit of £1,200.

aqua Classic

info

Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Poor Considered

Mainland UK Resident

Minimum Age 18

Representative Example: 29.71% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.

Representative Example: 29.71% standard purchase rate p.a (variable). Representative 29.7% APR (variable). Based on credit limit of £1,200.
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Chrome Credit Card (24.7%)

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Most circumstances considered

Mainland UK Resident

Minimum Age 18

Representative Example: The standard interest rate on purchases is 24.70% p.a. (variable), so if you borrow £1,000 the Representative APR will be 24.7% APR (variable).

Representative Example: The standard interest rate on purchases is 24.70% p.a. (variable), so if you borrow £1,000 the Representative APR will be 24.7% APR (variable).

Origin Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating All circumstances considered

Mainland UK Resident

Minimum Age 18

Representative Example: The standard interest rate on purchases is 59.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 59.9% APR (variable).

Representative Example: The standard interest rate on purchases is 59.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 59.9% APR (variable).

Vanquis Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating All circumstances considered

Mainland UK Resident

Minimum Age 18

Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).

Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).

Asda Cashback Credit Card

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Terms & Conditions

Make sure you meet the following criteria:

Credit Rating Medium To Good Preferred

Mainland UK Resident

Minimum Age 18

warning

Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk

HOW A BALANCE TRANSFER TYPICALLY WORKS:

Eg: 12 months balance transfer card with 3% fee

  • Transfer a credit card balance of £2000 to a new card with a 3% transfer fee
  • The 3% (£60) fee is added to make an opening balance of £2060
  • You now have 12 months to fully pay off the £2060 balance
You now have up to 12 months to pay off the full balance - make sure you

  • make the minimum required monthly payment
  • clear the debt by the time the 0% deal has ended
  • resist any temptation to spend on the card

Pros

Cons

  • Gives you longer to pay off your credit card debt
  • Avoid paying interest on your credit card balance
  • Put all your credit card debts to one interest-free card
  • You usually have to pay a fee of around 3% of the amount you transferred
  • You usually need a good credit rating
  • Miss a repayment and you may lose the 0% rate and add to your debt
Question icon

Is A Balance Transfer The Right Option For Me?

You must be over 18 and a UK resident. You should also have a good credit rating/history.

It depends on the card issuer. Some companies set a limit.

Usually yes. But some companies do not charge a transfer fee. Others typically may charge up to 3% of the balance transferred and add it to the total balance.

No, usually not even within the same parent group, such as RBS and NatWest.

Yes, but try to avoid using it to buy things , although some come with a short-term 0% purchase period too. If you spend on it you’d probably be increasing the debt and may risk losing the 0% rate.

The lender sets a minimum repayment as a percentage of the balance, but paying more can help clear the debt before the deal ends. Pay at least the minimum amount when the monthly bill comes, otherwise you risk losing the 0% rate and moving on to a high APR.

Yes. Lenders like to see that you’re a reliable, responsible borrower.

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Find loans likely to say ‘YES’. All circumstances welcome. You could receive money today!