Best Balance Transfer Credit Cards UK 2025

By Rob Evans, EyeOnYourCredit.com

Updated: | Comparison Guide

Which credit card is best for you — balance transfer comparison — A 0% balance transfer card can save you hundreds of pounds in interest while you clear your existing debt.

A balance transfer credit card is one of the most powerful tools available for clearing existing credit card debt. By moving your balance to a card offering a 0% promotional rate, you stop paying interest and direct every payment toward reducing the principal. The result is that you clear your debt significantly faster and save a substantial amount in interest charges.

The UK market currently offers some competitive 0% periods, but the best deals require a good credit score. Before applying, we strongly recommend checking your credit report to ensure there are no errors that might affect your eligibility.

Longest 0% Period

#1 Barclaycard Platinum

Up to 28 months at 0% on balance transfers

★★★★★

✓Up to 28 months 0% on balance transfers
✓2.99% transfer fee
✓0% on purchases for 3 months
✓Representative APR 24.9% variable after promo
✓Requires good to excellent credit

Barclaycard Platinum consistently offers one of the longest 0% balance transfer periods on the UK market. If you need maximum time to clear a large balance, this card gives you the breathing room to do so without paying a penny in interest.

Compare Barclaycard Deals →

Lowest Fee

#2 MBNA Long 0% Balance Transfer Card

Up to 24 months 0% with a low transfer fee

★★★★★

✓Up to 24 months at 0% on transfers
✓Transfer fee from 1.99%
✓No annual fee
✓Online account management
✓Representative APR 23.9% variable after promo

MBNA's offering is ideal if you want a long 0% period but want to minimise the upfront transfer fee. The combination of a competitive promotional period and a lower fee makes this one of the best value balance transfer cards available.

Check MBNA Eligibility →

Best for Purchases Too

#3 NatWest Balance Transfer Card

Competitive 0% on both transfers and purchases

★★★★★

✓Up to 20 months 0% on balance transfers
✓Up to 20 months 0% on purchases
✓No annual fee
✓Free credit score tracking in app
✓Representative APR 22.9% variable

If you need to make new purchases as well as transfer an existing balance, NatWest's card is a strong option. The matching 0% periods on both transfers and purchases make it a genuinely versatile card for managing your finances.

Check NatWest Eligibility →

Best for Bad Credit

#4 Aqua Balance Transfer Card

Balance transfer option for less-than-perfect credit

★★★★★

✓Available to those with limited credit history
✓Lower credit limits initially
✓Reports to all three credit agencies
✓Helps rebuild credit while clearing debt
✓Higher APR after promotional period

Most of the best balance transfer deals require a good credit score. Aqua is one of the few providers that offers a balance transfer option to those with a less-than-perfect history. The terms are less competitive, but it provides a genuine route to clearing debt for those who have been rejected elsewhere.

Check Aqua Eligibility →

Person checking credit score before applying for a balance transfer card — Always check your credit score before applying to ensure you qualify for the best 0% deals.

Disclosure: This page contains affiliate links. We may receive a commission when you click through and apply for a product. This does not affect our editorial independence. Product information is accurate at time of publication but rates and terms change frequently. Always verify current terms on the provider's website before applying.

Best Balance Transfer Credit Cards in the UK

Stop paying interest on your existing debt and clear it faster with a 0% balance transfer deal.

Best Balance Transfer Credit Cards in the UK

#1 Barclaycard Platinum

#2 MBNA Long 0% Balance Transfer Card

#3 NatWest Balance Transfer Card

#4 Aqua Balance Transfer Card