Make money make sense
Make every penny count with expert, impartial advice for just £49 a year and get a £10 M&S voucher.
Join Which? MoneyJoin by midnight on 15 February 2026 and receive a £10 M&S gift card.
Best 0% money transfer credit cards 2026
If you need to borrow for a cash purchase or to clear an expensive overdraft, a 0% money transfer credit card can help. Find out how they work and the best deals
Holly covers personal finance topics from credit cards to wills. She enjoys turning complex money matters into clear, practical advice.
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
- What is a money transfer credit card?
- Best 0% money transfer credit card deals
- 0% money transfer credit card provider reviews
- How 0% money transfer credit cards work
- How to use a money transfer credit card effectively
- 0% money transfer credit card FAQs
- How we analyse credit cards
- Why should you trust Which? research?
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.
What is a money transfer credit card?
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:
- clear an expensive overdraft or payday loan debt
- get an interest-free loan for cash-only purchases.
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.
Best 0% money transfer credit card deals
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 15 January 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.
- Find out more: Best credit card deals
0% money transfer credit card provider reviews
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.
How 0% money transfer credit cards work
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.
- Find out more: How to pay off your debts
Search for deals to cut your bills
Use our advice, ratings and customer scores to help you choose with confidence
Compare and chooseHow to use a money transfer credit card effectively
1. Only borrow what you need
The 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.
2. Make the minimum repayment each month
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.
3. Don't use it to withdraw cash
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.
4. Have a plan to repay before interest kicks in
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.
Make your property more energy efficient
Find out about our free home energy planning service
See more0% money transfer credit card FAQs
How we analyse credit cards
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.
Customer score
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).
Which? Recommended Providers
To be a Which? Recommended Provider for credit cards, a credit card company must:
- have a provider customer score of at least 71% and achieve at least four stars in all categories in our latest customer satisfaction survey.
- have at least one top-10 card in one of the seven main categories available on the market.
- have an above-average product score.
- accept applications from everyone - not just existing customers.
- not have a representative APR of more than 35.7% on any of its mainstream cards at the time of the analysis.
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
Why should you trust Which? research?
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.