Best 0% Balance Transfer Credit Cards in the UK – Longest Interest-Free Deals

If you’re looking to reduce what you pay in interest on existing credit card debt, a 0% balance transfer credit card can be a powerful tool. These cards let you move outstanding balances and repay them over an interest-free period, which can range from around 24 months up to more than three years on some offers. Transfers usually must be made within a promotional window to qualify.

Below are some of the best balance transfer credit cards available in the UK, including links to each card’s official application or product page.

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1. Longest 0% Balance Transfer Periods (30+ Months)

TSB Platinum Balance Transfer Card – Up to 38 Months 0%

• Offers up to 38 months interest-free on balance transfers when the transfer is made within the promotional window.
• Balance transfer fee typically applies.
• Find out more and apply: https://www.tsb.co.uk/credit-cards/balance-transfers.html

Tesco Bank Balance Transfer Credit Card – Up to 36 Months 0%

• Up to 36 months 0% interest on balance transfers from the date the account opens.
• Balance transfer fee usually applies.
• Official page: https://www.tescobank.com/credit-cards/balance-transfer-credit-card/

HSBC Balance Transfer Credit Card – Up to 35 Months 0%

• Offers up to 35 months interest-free on balance transfers if made within the first 60 days.
• Balance transfer fee applies.
• See details and apply: https://www.hsbc.co.uk/credit-cards/products/balance-transfer/

NatWest Longer Balance Transfer Credit Card – Up to 35 Months 0%

• Provides up to 35 months 0% interest on balance transfers when the transfer is completed early in the account history.
• Balance transfer fee typically applies.
• Product info: https://www.natwest.com/credit-cards/longer-balance-transfer.html

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2. Other Balance Transfer Options

Barclaycard Platinum Balance Transfer Cards

Barclaycard offers a range of balance transfer deals. Some cards provide long 0% periods, and others offer shorter or combined features.

• General Barclaycard Platinum info (including balance transfer options): 

https://www.barclaycard.co.uk/personal/credit-cards/lead-bt-platinum-h

Virgin Money Balance Transfer Credit Cards

Virgin Money has 0% balance transfer options, though the interest-free period may be shorter than some of the longest deals above.

• Card details and application: https://uk.virginmoney.com/cards/products/balance-transfer-cards/

Co-operative Bank 0% Balance Transfer Credit Card

A balance transfer card that typically offers up to around 24 months 0% interest on transfers.

• See the product page: https://www.co-operativebank.co.uk/products/credit-cards/balance-transfer/

Nationwide Balance Transfer Credit Card – 24 Months 0%

Nationwide’s balance transfer card typically offers 0% interest on balance transfers for 24 months, as well as a short 0% period on purchases.

• Official card page: https://www.nationwide.co.uk/credit-cards/balance-transfer-credit-card

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How Balance Transfer Cards Work

A balance transfer credit card lets you move debt from one or more existing credit cards to a new card charging 0% interest for a defined promotional period. That gives you time to focus on repaying the principal without ongoing interest charges.

Key features to understand before applying:

• Transfer fee: Most balance transfer offers include a fee (commonly around 3%–4%).
• Eligibility window: You usually must complete the transfer within the first 60–90 days after opening the account to qualify for the full interest-free period.
• Representative APR: After the promotional period ends, a standard APR applies to any remaining balance.
• Credit check: Applying for a new credit card involves a credit check that may affect your credit report.

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Tips for Choosing the Right Card

• Look for the longest 0% interest period you can realistically use to repay your debt.
• Compare balance transfer fees — lower fees mean greater savings overall.
• Ensure your repayment plan fits within the promotional period to avoid interest once the offer expires.
• Check eligibility tools (offered by many lenders) before applying to minimise hard credit checks.

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Final Thoughts

Using a 0% balance transfer credit card can be a practical way to reduce or eliminate interest charges and pay down existing card debt more effectively. Some UK providers currently offer up to 38 months interest-free, which gives significant breathing room — especially for larger balances.

Just remember to review each card’s terms and conditions, transfer deadlines, and fees before applying so you choose the best solution for your situation.