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Updated October 14, 2026 · SumCue Editorial Team

Top balance transfer cards compared in the United Kingdom

13 providers available in the United Kingdom, ranked for the United Kingdom.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top balance transfer cards compared in the United Kingdom
OrderProviderScoreFeaturesKey factsActions
1
Virgin Money logo
Virgin MoneyTop pickPartner
9.4/10
  • Travel
APR:
27.9%
Currency conversion fee:
0%
Rewards type:
Cashback
ReviewCompareSee alternatives
2
Virgin Atlantic Reward Credit Card logo
Virgin Atlantic Reward Credit CardPartner

0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee

9.3/10
  • Rewards
APR:
27.9%
Currency conversion fee:
0%
Rewards type:
Cashback
ReviewCompareSee alternatives
3
Santander UK logo
Santander UKPartner

Get 240 GBP for switching to Everyday Current Account

9.2/10
  • No annual fee
Annual fee:
£0
APR:
24.9%
Currency conversion fee:
2.95%
ReviewCompareSee alternatives
4
Ocean Finance Card logo
Ocean Finance CardPartner

0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee

9.1/10
  • No annual fee
Annual fee:
£0
APR:
39.9%
Rewards type:
None
ReviewCompareSee alternatives
5
Capital One logo
Capital OnePartner
9.1/10
  • No annual fee
  • Rewards
Annual fee:
$0
APR:
34.9%
Currency conversion fee:
0%
ReviewCompareSee alternatives
6
Aqua CardPartner

0% on balance transfers for up to 5 months on the Aqua balance transfer credit card: 0% interest for up to 5 months, 3% balance transfer fee (minimum GBP 3)

9.0/10
  • No annual fee
Annual fee:
£0
APR:
39.9%
Balance transfer intro period:
5 months
ReviewCompareSee alternatives
7
Barclaycard logo
BarclaycardPartner

Get 12 months Apple TV subscription on us

9.0/10
  • Rewards
APR:
24.9%
Currency conversion fee:
2.99%
Rewards type:
Cashback
ReviewCompareSee alternatives
8
Capital One UK logo
Capital One UKPartner

0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases

9.0/10
  • No annual fee
Annual fee:
£0
APR:
34.9%
Currency conversion fee:
2.75%
ReviewCompareSee alternatives
9
NewDay logo
NewDayPartner

0% on balance transfers for up to 5 months (3% fee) on the Aqua balance transfer credit card: 0% interest on balance transfers for up to 5 months, 3% transfer fee (minimum GBP 3)

9.0/10
  • No annual fee
Annual fee:
£0
APR:
39.9%
Balance transfer intro period:
5 months
ReviewCompareSee alternatives
10
TSB Bank logo
TSB BankPartner
8.6/10
  • No annual fee
Annual fee:
£0
APR:
24.9%
Currency conversion fee:
2.95%
ReviewCompareSee alternatives

Licensed in the United Kingdom

Virgin Money
Prudential Regulation Authority
Virgin Atlantic Reward Credit Card
Prudential Regulation Authority
Santander UK
Financial Conduct Authority
Ocean Finance Card
Financial Conduct Authority
Aqua Card
Financial Conduct Authority
Aqua Card
Financial Conduct Authority (Payment Services Regulations 2017)
Barclaycard
Financial Conduct Authority
NewDay
Financial Conduct Authority
NewDay
Financial Conduct Authority (NewDay Cards Ltd)
NewDay
Financial Conduct Authority under the Payment Services Regulations 2017

Other rankings

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Other countries

Virgin Money

Virgin Money

Top pick for the United Kingdom

9.4/10See alternatives