Josh is an award-nominated journalist with nearly a decade of experience, including writing for national newspapers. A data whizz, he specialises in covering personal finance and investing.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
In this article
How our tests find you the best
Real customers
We asked 4,995 customers about the customer service they receive from their credit card provider.
Expert analysis
We compared the fees and interest rates of 137 cards to bring you the best deals on the market.
A money transfer credit card allows you to shift cash from your credit card to your current account. You'll often be offered an interest-free period, during which you can repay the debt without paying interest charges.
This type of credit card can help you:
Money transfer credit cards can serve a fairly similar purpose to balance transfer credit cards, but the key difference is that balance transfer cards only allow you to shift debt between credit cards.
We've picked out the current market-leading offers. The table is ordered by the length of the 0% period.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a credit card provider before committing to any financial products.
RECOMMENDED PROVIDER Tesco Bank Clubcard Credit Card All Round Mastercard | 79% | 14 months | 3.99% | £80 | 24.9%. Representative example: assumed borrowing of £1,200 for one year, at a purchase rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status. Terms apply. |
Virgin Money 24 Month Balance Transfer Credit Card Mastercard | 74% | 12 months | 0.0% | £0 | 24.9%. Representative example: assumed borrowing of £1,200 for one year, at a purchase rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status. Terms apply. |
Table notes: table correct as of 2 March 2026. The average provider customer score is 75%. For more information on our research and the terms we use in the table skip to how we analyse credit card providers and deals.
When comparing 0% money transfer deals, it's hard to know what a provider will be like to deal with or how quickly it resolves issues.
To help you choose the right card for your circumstances, Which? has reviewed 30 credit card companies and scored them on deals and customer service.
Find out how the top 0% money transfer credit card companies, such as Tesco Bank and Virgin Money, stack up in our guide to the best credit card providers.
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Your credit card provider may charge a one-off fee to transfer the money (typically around 4%) and will normally charge you interest on the balance, unless you get an offer with a 0% interest period.
Say you held a 14-month 0% money transfer credit card with a limit of £2,000. You could request a money transfer of £1,000 into your bank account. With a typical 4% fee, you would owe £1,040 on your credit card and have £1,000 in your bank account to spend straight away. You'd have 14 months to clear the credit balance before interest is charged.
If your current account was overdrawn, and the fees were costing you (for example) £30 a month, you could be better off clearing it with a money transfer and making repayments on your credit card, especially if you can repay it before interest kicks in.
Before you apply for a money transfer credit card, make sure it's right for you. Essentially, you'll need to establish whether you can afford to pay off the debts before the 0% period is up, or you risk hefty interest fees.
Use our advice, ratings and customer scores to help you choose with confidence
Compare and chooseThe credit limit on your 0% money transfer deal is not a target. Remember to only borrow what you need, to avoid taking on further debt. If you're struggling to manage debt repayments, you can contact organisations such as StepChange or the National Debtline for free, impartial advice.
You need to make at least the minimum repayment on your money transfer card. If you don't, the provider may take away the 0% money transfer promotional rate, so that interest will apply immediately. A missed payment could also be recorded on your credit report.
Withdrawing cash from an ATM on a credit card is a big no-no, even on a 0% money transfer credit card.
Cash withdrawals are classed differently from money transfers and will attract a higher rate of interest. Your 0% period for money transfers won't apply, so you'll start paying interest straight away on these transactions.
Make sure you have a plan for how to pay back your balance before the 0% period ends and you need to start paying interest. You can use our credit card repayment calculator to work out how much you'd need to pay off each month to clear the debt in time.
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Anna McClean, credit card market analyst, says: 'At Which? we scrutinise credit card products and providers to help you save time when shopping around for a new deal.
'We run a survey each year to gather the experiences of customers and help us find the best providers, and we keep a close eye on the credit card market to determine which deals are the best in their category.'
Here's some more information about our research and the terms we use in this guide.
Our provider customer scores for credit card companies are based on an online survey of 4,995 members of the public, conducted in November 2025.
Provider customer scores are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
We also ask these credit card customers to rate brands on six categories, including customer service, mobile banking and more, so you can get an idea before you sign up of the quality of service you might receive .
Sample sizes for customer score: Barclays/Barclaycard (801), American Express (379), Lloyds (364), Tesco Bank (350), NatWest (302), Halifax (292), Capital One (288), HSBC (281), Santander (229), Nationwide (205), M&S Bank (147), MBNA (135), Monzo (110), Amazon (by Barclaycard) (89), Virgin Money (including Clydesdale Bank and Yorkshire Bank) (83), Aqua (83), Royal Bank of Scotland (76), Vanquis Bank (73), John Lewis/Waitrose (71), Virgin Atlantic by Virgin Money (59), First Direct (58), Chase (56), Zopa (56), British Airways American Express (53), Bank of Scotland (53), TSB (51), Co-operative Bank (Co-op) (49), Asda Money (47), 118 118 Money (44), Klarna credit card (43).
To be a Which? Recommended Provider for credit cards, a credit card company must:
We only award Which? Recommended Provider status to the lenders that meet our benchmarks on customer service and product offering.
Find out more: Which? symbols, logos and ratings explained
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.