The best fee-free 0% balance transfer cards

Our pick of the best fee-free 0% balance transfer credit cards for those who want a truly free way to shift debt.

If you want to shift debt to a ‘0%’ balance transfer credit card, you're usually asked to pay a percentage of the debt upfront in the form of a transfer fee, which is the lender's way of guaranteeing it makes some money off you.

The longest interest-free deals on the market (34 months at the time of publishing) generally charge hefty fees of up to 3%. To put that in monetary terms, you could end up paying a fee of £90 if you’re looking to switch a £3,000 debt.

While using a balance transfer card is far cheaper than letting debt rack up costly interest, there is an even cheaper option out there.

Fee-free balance transfer cards allow you to move debt without paying a penny. But what's the catch?

The 0% periods on offer are understandably shorter than their fee-charging rivals but will buy you vital time to clear, or reduce, your debt without paying an extra penny.

In this article, we look at the truly free balance transfer cards on the market.

Please note that these cards are generally reserved for those with the best credit score and a minimum annual income is usually required.

We've teamed up with Compare the Market* to help you discover which credit cards you are eligible for without harming your credit score. Click here to find out more.

The best fee-free cards available right now

Credit card

0% period on balance transfers

Representative APR after 0% period ends

NatWest/RBS Balance Transfer Card (only existing customers can apply)*

22 months


Santander Everyday No Balance Transfer Fee Card

21 months


*No balance transfer fee applies to transfers in the first three months of account opening.

NatWest/RBS offers the longest interest-free period at 22 months, but the balance transfer card is only available to existing customers, and you’ll have to transfer any balances in the first three months of account opening to avoid a fee.

Elsewhere, Santander offers 21 months interest-free with its Everyday No Balance Transfer Fee Card.

Compare credit cards (Image: CTM)

Will you qualify for the best deals?

As you can imagine, you’ve got to have a stellar credit rating to get the best deal. 

If your score is poor, it’s a good idea to give it a boost. Find out more with this guide to improving your credit rating.

Still not found the right card for you? View our complete guide to credit cards to see all your options.

*While all content is completely editorially independent, loveMONEY has teamed up with Compare the Market to provide credit card price comparison services. Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

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