Our comparison table ranks the market's top 0% balance transfer deals based on how long your debt will take to pay off with realistic, regular monthly payments.
But it's not the whole story. Used correctly, 0% deals can significantly decrease the cost of paying off a credit card debt. Use them incorrectly, however, and their benefits swiftly decrease. For all the facts before you apply, read our article on the real cost of transfer fees and our full guide to using 0% balance transfers.
Compare deals by sorting column headers and apply online or view more details:
| 0% Period | Transfer Fee | Additional Information |
Suitable for Spending |
Applicable Standard Rate (variable) |
||
|---|---|---|---|---|---|---|
Barclaycard Platinum with Extended Balance Transfer![]() |
22 months | 2.9% | - | 17.9% p.a. | More details |
|
| Representative Example: 17.9% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. Barclays Bank, 1 Churchill Place, London, E14 5HP. | ||||||
Halifax Balance Transfer![]() |
22 months | 3.5% | You must have an annual income of £20,000 or more to apply |
17.95% p.a. | More details |
|
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ. | ||||||
Virgin Money![]() |
20 months | 2.99% | Includes transfers to a current account (4% fee) |
18.9% p.a. | More details |
|
| Representative Example: 16.8% p.a. variable on purchases. This is equivalent to 16.8% APR representative variable based on a credit limit of £1,200. Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ. | ||||||
Natwest Platinum![]() |
20 months | 2.9% | - | 17.95% p.a. | More details |
|
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. National Westminster Bank PLC, 135 Bishopsgate, London, EC2M 3UR. | ||||||
RBS Platinum![]() |
20 months | 2.9% | - | 17.95% p.a. | More details |
|
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. The Royal Bank of Scotland plc, 36 St Andrew Square, Edinburgh, EH2 2YB. | ||||||
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